Welcome to AZF

We Are A Global Business Solutions

We provide business solutions in new ways to achieve growth and secure a strong and profitable business, while safeguarding the future it deserves.


Who We Are

We are an independent company, owned only by our partners and one of the leading representatives of our industry. We are committed to three basic values: entrepreneurship, excellence and empathy, which are the basis of our professional work as a consultant, our interactions with clients, business partners and the community. Our partners and consultants have competence and expertise in finance, technology, media and telecommunications.

Our Services

We will provide the best service with the support of a professional and experienced team. We provide services in finance, banking, technology, media, telecommunications and business.


Retail Banking

Adjust sales, service models and product portfolio to reflect the new era of Retail Banking.


Consumer Finance

We provide guidance for areas that can strategically change a business to stay ahead of market trends.



With a proven track record, we are excited to shape the future of the payments industry with you.


Corporate Banking

We assist in identifying the right path for you, adapting your organization and product portfolio.


Captive Finance & Leasing

By providing tailor-made and pragmatic solutions, we help you find your way forward.


Wealth Management

We are here to support you in adapting the best strategy to serve your clients.

Our Other Services

What Are Our Values

We understand entrepreneurial challenges, and know what makes successful entrepreneurs. This means actively exploring unconventional ideas, taking risks and blazing new trails, but also willingness to assume responsibility.

We achieve excellent results and develop global best practices to ensure both measurable and sustainable success. Our goal is excellence in our work with clients, in the way we develop our knowledge and in our interaction with each other – externally and internally. 

We place ourselves in your position to be able to act as insightful, respectful and responsible advisors. AZF employees offer a unique combination of intellectual and emotional competence to meet our clients’ aims and needs.

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Client Consultations
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Successful Business
Financial Services
Technology Services
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Business Functions

Our Team

Eka Sjarief
Senior Partner
Robin Hattari
Gatot Trihargo
Teddy W. Worotitjan
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