Notes

Notes on payments and travel

Short, sourced explainers on how money and bookings actually move. Written the way I write product specs: the mechanism first, then the trade-offs.

Payments · Remittance · Nov 2026 · 8 min read

Anatomy of a Saudi–Indonesia remittance

Where SAR 500 goes between a phone in Riyadh and a wallet in Indonesia, and which of the four costs the sender can actually control.

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I’m based in Indonesia and open to relocating. I’m looking for product manager roles in consumer apps, marketplaces, payments and travel, and I’m also open to digital delivery roles.