Kusuma Ayu Kinanti joined Bank Indonesia in 2007 and has held various roles throughout her career, spanning monetary policy, communication, fintech and innovation, and currently, payment systems. An economist with an IT background, she played a key role in shaping the Indonesia Payment System Blueprint 2025 (BSPI 2025) with major initiatives such as National QR standardization (QRIS), fast payment development (BI FAST), API payments standardization (SNAP), and regulatory reform.

In her current position as a Deputy Director, Ayu oversees the evaluation, assessment, and formulation of policies related to wholesale payment systems, including BI-RTGS. She also co-leads the project Garuda team which explores the Digital Rupiah or Indonesia's Central Bank Digital Currency initiative.

From 2021 to 2024, Ayu served as an adviser at the BIS Innovation Hub in Basel, Switzerland. During her time with the BISIH, she led the operation of the BIS Innovation Network, and managed BISIH flagship events such as BIS Innovation Summit and various outreach programs.

Prior to joining Bank Indonesia, Ayu worked as a programmer in Gadjah Mada University and as an IT helpdesk and system analyst at the Federal International Finance, a subsidiary of ASTRA International Tbk, one of Indonesia's largest multifinance companies.

Ayu holds a bachelor's degree in computer science from Gadjah Mada University, Indonesia and a master's degree in economics from Warwick University, United Kingdom.