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About

Hi, I'm Kiki.

I'm a software engineer in Greater Jakarta. By day I build payment systems; the rest of the time I'm bringing AI, data and design into what I make.

Moh. Zulkifli Katili

Introduction

My full name is Mohammad Zulkifli Katili, but most people call me Kiki. I'm originally from Gorontalo, now based in Tangerang, in Greater Jakarta, Indonesia. I like problems where engineering, data and design meet, and I care as much about why something should be built as how.

Engineering journey

I studied Information Systems at Universitas Negeri Gorontalo, graduating as the best graduate of the Faculty of Engineering. My undergraduate thesis became Sindasi, a decision-support system using AHP-TOPSIS.

While studying I built production apps for real clients: Raisa, an inflation early-warning system for Bank Indonesia's Gorontalo office during my internship, then TimeMarket, a workload-management PWA for the same office. Project work followed — a nearest-mosque API and admin panel for Digimosque, a scheduling system for IAIN Sultan Amai Gorontalo, backend modules for Contag School, and spatial sales intelligence for PT. Makassar Raya Motor.

Current focus

I'm working on payment systems — payment gateways, B2B/B2C flows and the APIs around them — where correctness, idempotency and consistency matter more than anything clever.

As a Senior Fullstack Developer at Singapay I help maintain a payment gateway core that handles hundreds of thousands of transactions a day, on infrastructure that runs on Huawei Cloud with Alibaba Cloud as the disaster-recovery site. Day to day that means:

  • Bank integrations under SNAP — Bank Indonesia's open-API payment standard, including the access-token and request-signature layer. Six banks directly, dozens more through vendors.
  • One way to add a biller. I standardised the PPOB biller integrations — hundreds of service types and thousands of products — behind one internal schema and one abstract interface. Adding a new service went from about two weeks to about three days.
  • Splitting the monolith. Busy transaction jobs moved onto asynchronous message queues, and new services are built in Go as parts of the PHP monolith are split out.
  • Releases without a downtime window, using blue-green deployment.
  • Tooling that keeps the ledger honest — nightly integrity checks, dry-run-first data patches that can always be reverted, and dispute-resolution tools that turned a 3–5 day case into a matter of hours.

I now handle the PPOB project, working from Indonesia with a team that is almost entirely in Shanghai.

Outside the day job I contribute to Anveesa, a suite of open-source developer tools (a database studio, database management, an AI retrieval tool and cloud storage), on both the front end (in Vue) and the back end. I'm involved in Anveesa Aras, Anveesa Vestra, Anveesa Nias and Anveesa Workflow.

AI, knowledge graphs & RAG

My master's in Computer Science at IPB University (Computational Intelligence & Optimization, GPA 3.83) focused on knowledge graphs and network analysis. The thesis became VektorPedia and a Scopus-indexed paper. Knowledge graphs are one of the most useful ways to give language models real context, which is why I keep exploring retrieval-augmented generation and LLM tooling. That interest turned into production work at Bank Indonesia, where I led two AI projects — see Leadership below.

Design background

Before I wrote much code, I designed. I led the multimedia division of the campus Linux Study Group, reached the finals of a national graphic design competition, and have designed logos and brand systems — HEXSTUDIO, Katili Corp, Kotaluwuk.com, and the GenBI Gorontalo identity. That habit shows up in the interfaces I build, including this site.

How I work

  • Start from the problem. Understand who is affected and what "better" looks like before choosing a stack.
  • Meet users where they are. Sometimes that's a PWA on the phone they already carry; sometimes it's an Excel import instead of an API.
  • Be clear about ownership. On team projects, I say what the team built and what I built.
  • Leave it maintainable. Conventions, small modules and readable code outlive clever ones.

Leadership

I have led the development of an AI application twice, both for Bank Indonesia's Regional Department in Jakarta:

  • TIARA v3 (2025) — Bank Indonesia's AI policy chatbot. I led it end to end: architecture, features and deployment. Retrieval-augmented generation over PostgreSQL + pgvector with Gemini; a tool that lets the model query tabular data with pandas and return a summary; and a small self-hosted classification model (GLiClass, served on CPU) that screens every incoming prompt for injection attempts before it reaches the main model. Plus user and admin portals in React / Next.js and full technical documentation. The knowledge base reached 88% response accuracy, with 100% of feature tests passing, out-of-scope questions included.
  • RAISA (2024–2025) — a risk-assessment system for transaction data reported by payment service providers (PJP) and money changers (KUPVA). Machine-learning prediction for the Net Risk Assessment (NRA APU) reaching 95% accuracy, an analytical dashboard over 50+ million transactions a month, and automation that cut manual analysis time by up to 30%.

Earlier, outside work, I chaired Generasi Baru Indonesia (GenBI) Gorontalo (2020–2021): 6 departments and 3 university commissariats, 60+ activities in a year, a rebuilt member scoring system that raised active membership to 80%, and the community's 2025 vision.

Publications

  1. Katili, M. Z., Herdiyeni, Y., & Hardhienata, M. K. D. (2024). Leveraging Biotic Interaction Knowledge Graph and Network Analysis to Uncover Insect Vectors of Plant Virus. JISEBI. Link
  2. Katili, M., Amali, L., & Tuloli, M. (2021). Implementasi Metode AHP-TOPSIS dalam Sistem Pendukung Rekomendasi Mahasiswa Berprestasi. Jambura Journal of Informatics, 3(1), 1–10. Link

Awards

YearAward
2023Best Team & Best Local Participant — IPB International Summer Course (AI for Smart Agriculture)
2021Best Trainer — SIAPIK (Financial Information Recording System), Bank Indonesia
2020Best Idea — Startup Building Competition, BuatStartup COVID-19 Edition
20191st Winner — Software Engineering, Smart Fest, Gorontalo Regency KOMINFO
20193rd Winner — UKSW FIT National Web Programming Competition
20186th Winner — UKSW FIT National Web Programming Competition
2017Finalist — National Graphic Design Competition UNITY-UNY

Experience & education

The timeline.

  1. Building payment systems — payment gateway, PPOB, B2B/B2C flows and APIs.

    • Maintain the payment gateway core, handling hundreds of thousands of transactions a day.
    • Bank integrations under SNAP (Bank Indonesia's open-API standard), including the access-token and request-signature layer.
    • Standardised PPOB biller integrations behind one schema and one interface — adding a new service went from about two weeks to about three days.
    • Moved busy transaction jobs onto asynchronous message queues; new payment gateway and PPOB services in Go as parts of the monolith are split out.
    • Handle the PPOB project with a team almost entirely in Shanghai.
    • Zero-downtime releases with blue-green deployment, on Huawei Cloud with Alibaba Cloud as the disaster-recovery site.
    • Ledger integrity checks, revertible data patches and dispute-resolution tooling.
    • Payment Link front end; code review and onboarding new engineers.
  2. A suite of open-source developer tools — database studio, database management, AI retrieval (RAG) and cloud storage.

    • Contributions on both the front end (Vue) and the back end.
    • Involved in Anveesa Aras, Anveesa Vestra, Anveesa Nias and Anveesa Workflow.
    anveesa.com
  3. Led development of TIARA v3, Bank Indonesia's AI policy chatbot — architecture, features and end-to-end deployment.

    • RAG over PostgreSQL + pgvector with Gemini, plus a pandas table-query tool the model can call.
    • Self-hosted GLiClass classifier screening incoming prompts for injection attempts.
    • 88% response accuracy and 100% feature-test success, including out-of-scope handling.
    • User and admin portals in React / Next.js, with full technical documentation.
  4. Led development of RAISA, a risk-assessment system for transaction data from payment service providers (PJP) and money changers (KUPVA).

    • Net Risk Assessment (NRA APU) prediction reaching 95% accuracy with machine learning.
    • Analytical risk dashboard over 50+ million transactions a month.
    • Cut manual analysis time by up to 30% through automation.
  5. Spatial sales intelligence for a Daihatsu dealer group across three provinces.

    • Spatial analysis of sales across 3 provinces, 54 districts, 709 sub-districts and 7,394 villages.
    • Plotly dashboards, FastAPI spatial backend and a Livewire web app.
    Read the case study
  6. API modules for a university academic-affairs SaaS.

    • 20+ NestJS API modules and 800+ commits, following SOLID principles.
    • Written in TypeScript, backed by Supabase.
    Read the case study
  7. Computational Intelligence & Optimization. GPA 3.83 / 4.

    • Thesis on biotic-interaction knowledge graphs and network analysis (Scopus indexed).
    Read the case study
  8. Built TimeMarket, a workload-management PWA, then its second version.

    • v1 in 6 months of full-stack development; v2 in 3 months plus 6 months of maintenance.
    Read the case study
  9. Led the Bank Indonesia scholarship community — 6 departments and 3 university commissariats.

    • 60+ events and routine activities in one year.
    • Rebuilt the member scoring system; active membership rose to 80%.
    • Formulated the 2025 vision and designed the chapter's visual identity.
    Read the case study
  10. Nearest-mosque search API and the full admin panel.

    • 15-module admin panel in under two months with Livewire.
    • Unit tests with PHPUnit.
    Read the case study
  11. Best graduate of the Faculty of Engineering. GPA 3.53 / 4.

    Read the case study
  12. Built Raisa, a web app to monitor regional inflation with early warnings.

    • Built in 3 months of full-stack development.
  13. Weekly IT-sharing sessions on graphic design and video editing, plus campus workshops with national speakers.

  14. Personal design studio taking brand and interface briefs from clients and organisations.

    • Brand identities from brief to final mark — Katili Corp, Kotaluwuk.com and the HEX Studio mark.
    • Responsive interface design for Kongkong, delivered as working front-end code.
    Read the case study

Capabilities

Capabilities, grouped.

01

Backend

APIs, services, transaction flows

  • PHP / Laravel
  • Go (GoFiber, Gin, go-zero)
  • Node.js / NestJS (TypeScript)
  • Python / FastAPI
  • C++ (CLI utilities)
  • REST APIs · SNAP bank integration
  • Kafka · Redis queues
  • PHPUnit

02

Frontend

Interfaces that stay maintainable

  • React / Next.js
  • Vue / Nuxt
  • TypeScript
  • Livewire
  • Tailwind CSS
  • PWA

03

Data

Storage, analysis, visualization

  • PostgreSQL
  • MySQL
  • MongoDB · Neo4j
  • Redis
  • SPARQL / RDF
  • Pandas · psycopg2 · Plotly
  • Ledger reconciliation

04

AI

From research to usable tools

  • RAG (pgvector)
  • LLM apps (Gemini, LangChain)
  • Tool calling
  • Prompt-injection guardrails
  • Hugging Face open-weights models
  • Knowledge graphs
  • Network analysis
  • Classic ML

05

Infrastructure

Shipping and keeping it running

  • Docker
  • CI/CD (GitHub Actions, Jenkins)
  • Blue-green deployment
  • Huawei Cloud · Alibaba Cloud (DRC)
  • Kubernetes (deploy & operate)
  • Linux
  • Git

06

Design

Brand, UI, and illustration

  • Brand identity
  • Figma
  • Illustrator
  • Photoshop
  • Design systems

Contact

Let's build something.

Chat with me