Muhammad Rifai

Muhammad Rifai

Computer Science ~ Learning to develop is a life changing experience

About Me

Hi, I’m Rifai Martin 👋

I’m an IT Middleware & Backend Developer at PT Bank BCA Digital, passionate about building robust, scalable banking infrastructure and payment systems that handle millions of transactions daily.

💼 What I Do

Experienced Software Engineer that focuses on Backend Services, Integration Engineering & System Design. A communicative person and eager to help and share to achieve particular goals. Interest in solving problems that are driven by all team members. I have a strong curiosity in Digital Services to serve and make a good impact on people.

🏦 Current Focus

At BCA Digital (March 2021 - Present), I engineer critical banking infrastructure and payment systems with a focus on:

  • Transfer & Payment Systems: Implementing national transfer integrations (RTGS, SKN, BI-FAST Phase 1 & 2) and multi-biller payment architecture supporting 10+ partners
  • QRIS Payment Solutions: Handling 100,000+ daily transactions with multi-switcher connections (MPM, CPM, NFC/TAP, Tuntas)
  • Event-Driven Architecture: Using Apache Kafka to reduce response time by 50% and enable real-time processing
  • Security & Integration: Implementing SNAP Bank Indonesia encryption standards and secure payment gateways

🛠️ Tech Stack

Backend & Architecture:

  • Java, Node.js, Go
  • Apache Kafka, Event-Driven Architecture
  • Microservices, CQRS Pattern
  • Redis, Elasticsearch

Banking & Integration:

  • SNAP Bank Indonesia
  • QRIS, BI-FAST, RTGS, SKN
  • Payment Gateway Integration
  • Mock Server Development

🎓 Education

Bachelor of Engineering in Computer Engineering Universitas Pelita Harapan (UPH) - GPA: 3.6

Research focus on DNA Storage and GPU CUDA computing - exploring how DNA molecules can become ultra-high capacity data storage media while leveraging GPU power for complex computational processing.

🌱 Community & Learning

Active volunteer in developer communities:

  • JakartaJs
  • Developer Circles from Facebook
  • Indonesia Cloud Computing Association

“Learning to develop is a life changing experience”

I believe in continuous learning, sharing knowledge, and growing together with the developer community.

📫 Get in Touch

Feel free to reach out if you want to discuss technology, backend architecture, payment systems, or just connect!