Reza Fian
Defrianto

A bank, a fintech business and a hospital can ask the same financial question. The useful answer depends on knowing what makes each one work.

Reza Fian Defrianto brings sector experience across banking, financial technology, hospitals and healthcare, and technology, media and telecommunications (TMT).

Those sectors have different operating rhythms. Financial services put funding, credit and regulation in the foreground. Fintech brings questions about scale and unit economics. Hospitals connect financial performance with capacity and service delivery. TMT adds another set of business models, investment needs and growth assumptions.

Reza’s perspective helps keep those differences in the conversation. At HAKA, it is a reminder to understand the business model before deciding what the numbers mean.