Global Speakers


Philippe Touati (Forum Chairperson)


Belmond Capital Limited

Previously, Philippe was the Head of Institutional Banking at ANZ and MD/Co-head of Standard Chartered Wholesale Banking a $1 billion business covering corporate, financial institutions and commercial clients in the region. His financial services experience also includes running Capital One Bank European operations functions.

Before financial services, Philippe had senior leadership positions in telecoms and technology where he designed a VLSI integrated circuit at Bell Labs, launched operations of New T&T, a HK telecom start-up, ran IT and operations for ICO, a satellite MEO company and managed 6 operation centres at France Telecom.

Philippe has a Bachelor of Science in Mathematics from Ecole Polytechnique as well as 2 Masters of Science in Electrical Engineering from Telecom ParisTech and Columbia University.

(Forum Chairperson, Fireside Chat & Panel Discussion Moderator)

Breakout Session – Room B: What Is The Impact Of Digital Bank License For Incumbent Banks?



Emmanuel Daniel


The Asian Banker

Emmanuel Daniel is the founder of The Asian Banker, Wealth and Society, and He is also the author of ‘The Winning Bank’, to be released in November 2021, and was recently rated one of the top 50 global influencers by Fintech Power 50.

The Asian Banker, founded in 1996, is a global research and consulting house on the financial services industry that operates across the Asia Pacific, the Middle East and in Africa. He set up in 2014 to reverse the financial services industry to be customer driven. He founded Wealth and Society in 2018 as a London-based programme that tracks impact investments, philanthropy, corporate social responsibility and social or environmental initiatives around the world.

Emmanuel has a background in management consulting and interviewed and has access to some of the leading chairmen, CEOs, policy makers and entrepreneurs around the world. He has designed and delivered numerous training and consulting projects around the world. He is a highly regarded confidante in leadership circles and continues to serve in several government advisory councils and consults with banks on their digital strategy formulation, investor as well as media relations.

Post-Forum Masterclass B: Creating A Roadmap For Future Digital Banking Strategies


Ernest Leung


WeLab Bank

Ernest Leung is the Group Chief Operating Officer at WeLab, a leading fintech company and one of the most important digital native brands in financial services in Asia with close to 50 million individual users and over 700 enterprise customers in Hong Kong, Mainland China, and Indonesia. The financial holding company operates one of the largest digital consumer finance businesses in Asia, a pan-Asia digital bank and a leading B2B fintech enterprise solutions business.

Ernest has over 25 years of experience in the banking and finance industry. Prior to joining WeLab, Ernest was the Singapore CEO and APAC COO at BNP Paribas Wealth Management. Ernest previously held a number of leadership roles across key Asia markets with extensive experience ranging from corporate strategy, business creation and transformation, to chief executive and board responsibilities across consumer & private banking.

Ernest holds a Bachelor of Commerce from the University of British Columbia, Canada.

Fireside Chat: How WeLab Bank Is Innovatively Driving User Growth And Engagement



Henry Nguyen


Timo Vietnam

Henry Nguyen is currently the CEO of Timo, Vietnam’s pioneer digital bank, and the Chairman of Phoenix Holdings, an investment company focused on operations in technology, retail/consumer, fintech, sports & media. Prior to Phoenix, he has also served as the Managing General Partner of IDG Ventures Vietnam, a private equity firm focused on consumer, technology, media, and telecom investments in Vietnam. In addition to these two roles, Henry is also the Developmental Licensee for all McDonald’s restaurants in Vietnam as well as a Founding Trustee of Fulbright University Vietnam (FUV), the country’s first private, not-for-profit institution of higher learning. In addition to his activities in Vietnam, he is the Founding Owner and Vice Chairman of the Los Angeles Football Club (LAFC), the newest club in Major League Soccer (MLS).

Henry Nguyen is a Young Global Leader of the World Economic Forum and an Asia 21 Fellow of the Asia Society. He has been bestowed with many honors including “Asia Game Changer” by the Asia Society for his leadership in bridging cultures through policy, business, arts, and education initiatives. He was also honored with the John Connor Humanitarian Award 2015 by Operation Smile due to his deep contribution in the role of the Chairman of the Board of Advisors for Operation Smile Vietnam. He has served on the Board of the American Chamber of Commerce in Vietnam, and he is currently a member of the Advisory Board of ASEAN Business Club, the regional business platform to support Southeast Asian economic integration.

Henry earned his B.A. (Magna cum Laude) in Classics at Harvard University, and his M.D. and M.B.A. from Northwestern University Medical School and the Kellogg School of Management.

Topic: Timo – 5 Years Of Lessons From Vietnam’s First Digital Bank 



Alexander Ngo


LexisNexis Risk Solution

Over the past 15 years, Alexander has been fortunate enough to work as a business development professional with organizations across various industries – most recently in economic forecasting, country risk assessment, and now with LexisNexis Risk Solutions, financial crime compliance and anti-fraud.

LexisNexis® Risk Solutions leverages advanced analytics, vast data resources and proprietary linking technology to help organizations transform opportunity and risk decisioning. Their solutions help customers across industries solve daily business challenges such as identity verification and authentication, fraud defense, compliance and due diligence while streamlining workflows, increasing productivity and maximizing revenue.

Topic: Streamlining Digital Onboarding Experience And Meeting Compliance Mandates & Fight Fraud With e-KYC 



Daphne Ho

Business Development Manager

LexisNexis Risk Solutions

Daphne has been engaging with APAC organizations in the global fight against Fraud Detection and Prevention, as well as Money laundering and the Financing of Terrorism. She is passionate about helping organizations across banking and other industries to solve daily business challenges such as fraud defense, identity verification and authentication, compliance and due diligence. Having a background in Six Sigma, Daphne is acutely aware of the need to streamline workflows for organisations to increase productivity and maximize revenue while still adhering to regulatory requirements and deterring Fraud for organisations.

Breakout Session – Room A.1: Growing Your Digital Banking Footprint While Deterring Fraud



Grace Kaddour

Business Development Manager

LexisNexis Risk Solutions

Grace Kaddour is the Business Development Manager in LexisNexis Risk Solutions. She has over 15 years of experience in the information technology and the digital cybersecurity space and currently working with various organizations within the APAC region.

With a keen interest and passion driven by the need to help clients in fighting fraud and mitigating risks through their digital journey coupled with cybersecurity experience, Grace provides a unique perspective to companies from a position of trust and strategic advisory capacity.

Breakout Session – Room A.2: Utilizing Digital Intelligence for Agile Banking & Fraud Management



Cameron Church

Director, Market Planning - Fraud & Identity, APAC

LexisNexis Risk Solutions

Cameron has over 10 years’ experience in Fraud and AML within Compliance and Investigations capacities across Banking and E-commerce sectors. For the last 5 years at LexisNexis Risk Solutions (LNRS), Cameron has worked with Multi-National customers across APAC, helping them to leverage Digital Identity Data to reduce fraud and maintain a positive customer experience. Prior to joining LNRS, Cameron worked at organisations such as ThreatMetrix, Citi, ANZ and William Hill.

Post-Forum Masterclass A: Understanding The True Cost Of Fraud In APAC



Vincent Wu

Chief Strategy Officer

Next Bank

Vincent is currently the Chief Strategy Officer for Next Bank, one of the three virtual banks in Taiwan. In his role, he is responsible for building financial services to target ecosystems and for orchestrating open banking and new businesses such as digital corporate banking for Next Bank. Prior to Next Bank, Vincent has served as Vice President of digital banking at Chailease Holding, the largest leasing company, and at CTBC Bank, top 3 commercial bank in Taiwan. Vincent is well known for building non-credit-card consumer instalment with Yahoo! Taiwan, the top 3 e-commerce platform, in 2018. He also worked for multi-functions such as online SME financing, M&A, venture capital, risk management in Chailease Finance, Cathay United Bank and Cathay Securities.

Topic: How Next Bank Drives Financial Inclusion And Boost Customer Journey To Be Taiwan’s Leading Digital Bank

Next bank Logo


Suleiman Barada

Head of UABdigital & Sr. Advisor

Union of Arab Banks

Suleiman Barada is an Independent Technology Business Strategist. A Sr. Advisor at the Union of Arab Banks, and Head of UABdigital where he spearheads the ecosystem digital transformation arm of the Union, with an ecosystem-wide vision and mission, and a mandate to leaving no financial institution behind in the Digital Economy within the Arab countries. Suleiman is also Chair of the Advisory Board at the Arab Banks Innovation Council (ABIC). In that capacity, and reporting into the Secretary General of the Union, Suleiman is leading a Pan-Arab digital banking agenda on FinTech Collaborations, Open Banking, CBDC, and other transformative initiatives affecting the Arab banking sector as a whole.

Suleiman is an Ecosystem Architect with focus on value creation and practices a purpose-driven approach to developing and executing Digital Business Transformation roadmaps while being entirely focused on Benefits Realization and the way they can be measured, attained, and sustained. Suleiman has worked with a wide variety of international technology vendors and possesses a thorough understanding of the global tech ecosystem and their characteristics.

Founder of S2E MEA, an affiliate of S2E Transformation Inc., a Strategy Execution consulting firm based out of New York, USA. .

Suleiman has acted in various capacities and has led and scaled several businesses in the region with a solid track record in significantly growing companies right from inception with evident turnaround capabilities. Suleiman is regarded as a trusted advisor to clients, partners, and peers and is adept at extending the most relevant advisory, independent of situation or industry.

Certified Digital Transformation Advisor, Six Sigma Yellow Belt, and a Project Management Professional (PMP) since 2005 — collective credentials indicative of his commitment to leveraging best practices and applying standards to his advisory engagements.

Suleiman’s cross-industry experience includes Defense, Government, Financial Services, Healthcare, Higher Education, Construction, Facilities Management, Telco, Utilities, and Retail sectors.

Post-Forum Masterclass C: The Role Of Fintech In Advancing Sustainable Development Goals

UABdigital LOGO


Ryan Fung

Chief Executive

Ping An OneConnect Bank

Ryan Fung is the Chief Executive at Ping An OneConnect Bank (PAOB). PAOB plays a vital role in the development of Hong Kong’s financial sector with a mission to create a virtual banking ecosystem and promote financial inclusion in Hong Kong.

Ryan has over 20 years of management experience in the banking and financial industries, with a solid track record of entrepreneurial leadership and delivering substantial and sustainable results. Prior to joining PAOB, he worked for Standard Chartered Bank, accumulating a wealth of experience and holding key positions in Retail Banking, Retail Products and Distribution Network functions across Hong Kong, Greater China and North Asia (GCNA) . Before Standard Chartered Bank, Ryan was Chief Executive Officer for PrimeCredit Limited.

Ryan constantly seeks to share his knowledge and gives back to the banking sector. To this end, he has served on the boards of some financial related institutions and organisations in Hong Kong. He was a board member of Hong Kong Mortgage Corporation from 2016-17 and also 2010-12, a board member of Joint Electronic Teller Services Limited from 2015-17, a board member of EPS Company (HK) Limited from 2013-17, and Chairman of DTC Association from 2010-2011.

Topic: Ping An OneConnect Bank Case Study: Providing Seamless, Flexible And Reliable Digital Bank Services To The Unbanked SMEs

Ping An OneConnect Bank_logo_Original_Aug_13


Calvin Ng

Alternate Chief Executive, Co-Head of Retail Banking

ZA Bank

Calvin Ng is Alternate Chief Executive and Co-Head of Retail Banking at ZA Bank, Hong Kong’s first virtual bank. Calvin currently manages the retail business for the bank, including strategic planning, product roadmap and go-to-market strategies.

Calvin has broad banking experience for formulating the innovation and digital strategy and product roadmap, including customer journeys.

Prior to joining ZA Bank in 2018, Calvin spent 11 years at DBS Bank (Hong Kong) with extensive experience across digital banking, credit card, payment and marketing, where he last held the role of SVP and Head of Innovation & Digital, Consumer Banking Group and Wealth Management.

Calvin holds a bachelor’s degree in creative media, and a master’s degree in advertising and marketing from the University of Leeds in the UK.

Topic: Fireside Chat: Building Trust In The Era Of Digital Banking

ZA Bank logo


Lynda Coker


Seed Space Venture Capital

Lynda is a Non-Executive Director and angel investor for Scale Investors Limited; an investor network that invests in female founder or female-influenced companies. She is also a Non-Executive Director of The Studio Limited; a media and creative tech incubator in the Sydney Startup Hub.

Lynda predominantly works with FinTech companies and is currently at Australian based neo: Volt Bank. Named in global 2020 and 2019 (#Standout35) Women in FinTech Powerlist (Innovate Finance); Winner of the 2018 Women in Finance Award: Mentor of the Year and volunteers as a mentor on a number of tech accelerator programs.

Lynda has 20 years of experience working as a corporate finance advisor to both financial institutions and private equity including working with Government and regulators on policy settings.

She has two bachelor degrees in Information Technology and Business and has completed studies in Innovation and Entrepreneurship at Stanford University Graduate School of Business.

Topic: Australia: FinTech – Growing The Market And The Opportunities For Collaboration

Panel Discussion: Embracing Disruption: Preparing For The Future Of Banking

Seed Space


Bryan Carroll

Chief Executive Officer


Bryan has extensive banking and digital experience in Europe, Russia, Middle East, US and Asia, holding senior roles at Rabobank International, Alfa-Bank Russia, Bank of Ireland, Royal Bank of Scotland, MSB Bank Vietnam, First Abu Dhabi Bank and Ernst & Young among others. He began his digital career in 1993 and over the years has received industry recognition for the expansion of Digital Only Banking, Digital Transformation, Data Science, Digital Marketing, InfoSec and Enterprise Architecture. Bryan in the past has helped co-found three fintechs and currently sits on the board of two fintech firms: Xtremepush, based in Ireland, and based in the US.

Bryan holds a BA in Political Science from University College Dublin and a Postgraduate HDip. in Information Technology from the National University of Ireland.

Topic: How Digital Bank TNEX Leverage On Cloud Technology In Enhancing Customer Experience And Drives Operational Efficiencies

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Osman Ershad Faiz

Chief Information and Operating Officer

AMTD Digital

Osman Faiz is the Chief Information and Operating Officer (CIOO) of AMTD Digital. AMTD Digital is the integrated digital platform arm of AMTD Group, covering four segments including digital financial services, digital media marketing and data intelligence, digital connectors and ecosystem, and digital investments.

Mr. Faiz has over 25 years of international banking experiences across different countries. He was previously the Chief Operating Officer of Standard Chartered Bank, Singapore. Prior to that, he served in a variety of roles for Standard Chartered, including Chief Information Officer in Singapore and Head of Wholesale Banking Operations in East region, Global Head of Core Banking Implementation, Chief Operating Officer in Bangladesh among others. Previously, he also served as Head of Operations at PermataBank.

Mr. Faiz has served as a director of Singapore Clearing House Association (SCHA) and was awarded the Institute of Banking and Finance (IBF) Singapore Fellow Award in technology and operations. He was also named as the Industry Co-Chair of KYC 2.0 by the Monetary Authority of Singapore (“MAS”) and the Association of Banks, Singapore. In his continuing work as a thought leader and ally for diversity and inclusion, Mr. Faiz was recognized Yahoo Finance, Financial Times and INvolve as a global Top 50 Champion of Women in Business and Top 40 Male Advocate in 2018, 2019 and 2020 respectively.

Topic: Tapping Into Data Vital To New Entrants To Build A Sustainable Digital Bank

AMTD logo


Joe McGuire

Co-Founder & CEO


Joe McGuire is the Founder and CEO of emerging Malaysian Fintech MyMy. This is Joe’s second fintech after a senior leadership role at Airwallex, a Sequoia and Tencent backed business who recently raised a B round of US$80 million. A recognised leader with 10 years of experience in the financial sector, he has developed a broad set of skills across sales leadership, capital raising and financial regulation. Prior to joining Airwallex, Joe was the youngest State Manager for Australia’s largest bank CBA, an area covering roughly 30% of Australia’s population. Outside of his core role he is the head of fintech mentoring at Australia’s YBF incubator and regular commentator on all things Fintech.

Topic: The Right And The Wrong Way To Build A Digital Bank

MyMy Logo-03


Timothy Chen

Managing Partner

ICH Group

Timothy is a Managing Director of ICH Group, a full-fledged financial services group established since year 2000. The diversified group includes asset management, investment banking, wealth management and fund management services, with over 8 private equity and venture capital funds of AUM of over $800mil. Timothy spearheads the technology investment banking division and oversees the venture capital deployment.

Timothy was also Co-Founder of Shenton Financial, which includes Shenton Asia Pac Holdings, Shenton Ventures and Shenton MaxFinx. Shenton MaxFinx is a financial technology company that develops cloud-based digital banking core services architecture to enable traditional banks to become full digital banks.

Prior to his current role, Timothy served as a Board Director, investor and advisor to Crystal Link technology, a Chinese unicorn technology supply chain cloud and IOT platform. Timothy led the strategic development of expanding the business outside of China and oversaw the Fintech solution division to provide trade financing to companies utilizing the trade cloud platform.

Timothy Chen graduated from NUS with an Honors degree in Computer and Electrical Engineering, specializing in artificial intelligence and machine learning in 2013. Timothy has a post graduate Masters degree in Applied Finance (Dean’s List and Valedictorian) and an Executive certificate in Fintech from the University of Oxford. Timothy has also completed the NTU Business China Advanced Leaders Program.

Timothy started his career as a Management Associate in Frasers and Neave, and became the youngest manager in the history of the 103 year old company. He oversaw investments and business strategic division, and was based largely in Shanghai. Subsequently, he took the role of asset management and investments for Great Eastern Holdings, overseeing a $3 billion portfolio of AUM.

His next role was an investment banker in DBS, specializing in mergers & acquisitions, where he closed over $1.6 billion of deals, mostly in the technology and electronics space. He subsequently moved to an American private equity firm (GIC backed) as an Investment Director, where he was in charge of reviewing and acquiring real estate assets and companies.

Timothy was also Co-Founder and CEO of AFI Inc, an investment holding group of technology and media companies based in Singapore, Malaysia and Indonesia, where they focused on B2B and B2C e-commerce platforms, mobile application solutions, payment and e-wallet, BPM applications and digital media solutions. 2 of the companies were subsequently acquired for a 7 figure sum.

Panel Discussion: Embracing Disruption: Preparing For The Future Of Banking (Moderator)

ICH Group


Calvin Foo

Chief Executive Officer


Calvin is currently the CEO of Fundaztic. Calvin was part of the pioneering team and has been with the company since 2017.
He started off with the development and implementation of business and marketing strategies for Fundaztic. Subsequently, moving on to lead the team as acting chief executive officer.

His previous experience covers a variety of industries e.g. banking, insurance, and IT services.

Calvin currently serves as an EXCO member and treasurer of the Fintech Association of Malaysia (‘FAOM’).

Topic: Easy Financing For MSMEs With P2P Financing



Puneet Gupta

Co-Founder & CTO


Puneet is an acclaimed CTO and deep-tech innovator with 80 US patents to his credit. Extensive experience across Silicon Valley, Europe & Asia in build cutting edge digital platforms. Rated by Enterprise IT world as among top 100 C-suite leaders that are re-defining the tomorrow using digital. Puneet is currently building UNO, an AI first full spectrum digital bank and is also the co-founder and managing director of Neofy which is a financial cloud for a Neo banks that helps provides operationally ready digital banking in a box.

Topic: UNObank Case Study: Reshaping Customer Onboarding, Transaction Authorizations, Alternate Data Based Credit Scoring, Product & Interface Personalization With AI Technology

UNO bank


Vikas Jain

Senior Commercial Director

Funding Societies

Vikas Jain is a fintech professional with over 15 years of experience in financial services. At Funding Societies he is responsible for end to end investor segment including marketing, CX, investor relations, debt fundraise as well as PR and communications. He has held diverse roles with Citigroup, ING and Singtel before joining Funding Societies as one of the first team members. Vikas is passionate about Fintech and is a regular speaker at Fintech, Lending, Investment, and SME events.

Topic: How Funding Societies Can Improve Banking Facilities Access For The Underserved And Unbanked Market Segment

Funding Societies


Arivuvel Ramu



Mr. Arivuvel Ramu working for TONIK Bank as Chief Technology Officer and Heading the Group IT. He brings over 17+ years of information technology enterprise architecture and innovative product development experience in both banking and telco having been held various positions in SI’s/Fintech involved in Digital banking, microfinance and digital transformation programmes.

Arivuvel is currently heading the Bank IT Security, Ops, Innovation and Product development for the TONIK Digital bank, Inc Philippines. He is also responsible for Group Technology, Security and Operation, Digitalization of the bank, and vendor/partner selection.

Prior to joining TONIK, he was an IT Director (Digital Transformation and Enterprise Architecture) for Capgemini Pte Ltd, Singapore and manages the Large Digital Transformation programme for a leading telco in Malaysia.

He used to work with Banking CXO’s around Asia over Digital Enterprise IT Modernization Strategy, Digital Transformation and DevOps implementation as part of the Next Generation Technology Roll-out which includes selfie banking, video calling, contextual (text/chatbot), conversational (voice) banking, biometric authentications and microservices based API Economy.

He knows the central banking compliance, security, risk management framework and requirements from the digital banking perspective. His past experience includes being involved in building the architecture of almost a dozen award winning digital banks across Asia, Middle East, and Canada. He has also experience in building digital banking platforms for retail/personal banking, business banking, agent banking and lifestyle banking.

He holds a Bachelor’s Degree in Mathematics and Master in Computer Application, as well as professional organization certifications such as TOGAF, ITIL, Six Sigma, Scrum, Cloud etc.

Topic: Tonik’s Journey In Building Philippines’ First Digital Bank To Accelerate Financial Inclusion



John Kane

Chief Innovation Officer


John was a founding member of Tyme in 2012, focusing on operations and innovations in hardware, software, channels and distributions. John’s team played a critical role in the development and deployment of the hybrid physical digital model that Tyme has deployed within Tyme Bank and now beyond. John has experience in innovation and operations across manufacturing and financial services businesses, of which 10 years are specifically in banking, bringing the of automation and standards of manufacturing into relevant parts of financial services.

Topic: Tyme Bank Case Study: Digital Banking Integration Into Retail Infrastructure



Subramanian Viswanathan

Digital Transformation Specialist

Subramanian has over 18 years of industry experience in Banking & Financial services and specialises in Digital Transformation. He has worked with leading institutions including Citibank, Bank of America, Royal Bank of Canada wherein he was responsible for planning and execution of the Digital Transformation roadmap.

In his most recent role at Standard Chartered Bank, Subramanian was the Director for Innovation & Partnerships within the Digital banking business and worked on leveraging modern technologies such as AI, Blockchain, Cloud computing and Predictive Analytics to deliver innovative solutions to the business.

Subramanian is passionate about Digital Transformation with special interest in Blockchain, AI and Cloud computing. He has an MBA and a certificate in Business Strategies involving AI from MIT Sloan, in addition to other accredited certifications in Project Management, Process Improvements and Cloud Computing.

Panel Discussion: Embracing Disruption: Preparing For The Future Of Banking


Steven Wong Weng Leong

Chief Digital & Global Banking Strategist

China Construction Bank (CCB) Malaysia

Steven WONG Weng Leong is currently the Chief Digital & Global Banking Strategist at China Construction Bank (CCB) MalaysiaJust prior to this, he was the Chief Operating & Financial Strategist (COO, CIO/CTO, CFO & Chief Strategy & Business Development Officer roles combined) and before that, the Chief Business Development Strategist. At CCB Malaysia, Mr Wong spearheads bank-wide business growth and provides strategic leadership for Global Banking & Markets and Wholesale & Retail Digital Banking (Cash Management, Retail Banking), which includes catalyzing FinTech initiatives in delivering product, technology and digital innovations for the Malaysian and ASEAN markets.

He is well regarded in the financial services industry as an all-rounder and go-to-individual, having held several senior executive leadership positions across various leading financial institutions over the last 27 years. He has held strategic leadership roles in the Front Office (FO)Middle Office (MO) and Back Office (BO) at Western UnionAlliance Financial GroupMaybankMayban Life AssuranceMIDF Amanah Investment Bank and Citi.

Panel Discussion: Embracing Disruption: Preparing For The Future Of Banking

China Construction Bank Malaysia


Arvid Swartsenburg

Head of Partnerships & Strategy, TMRW Digital Group

United Overseas Bank (UOB)

Arvid Swartsenburg is a senior banker with over two decades experience as a financial services practitioner and consultant across Europe, US, Africa and Asia. Arvid currently is Head of Partnerships & Strategy for TMRW Digital Group (TDG) by UOB, a mobile only bank focused on the digital generation across Southeast Asia.

From 2010 to 2020, Arvid was a Principal at Arete Financial Partners, a boutique Management Consultancy focused on supporting financial services clients manage change. In this role, Arvid led a wide range of complex projects across Asia and Africa focused on Strategy, O&T, digital transformation, risk management and M&A.

From 2000 to 2010 he worked at Citi’s Global Consumer Business across the US, Europe and Asia, where he held a variety of senior roles across product, channel, sales & distribution, wealth management & strategy. Arvid is passionate about digital transformation & innovation and how this is increasingly changing the way we work, live and play. He has gained extensive experience in working with a wide range of FinTechs and startups in his consulting role and remains an investor, mentor and advisor across various startups globally.

Arvid holds a Bachelor of Business Administration (BBA) and a Bachelor in Arts (BA) degrees in both Economics & Finance from the College of William & Mary in the US and a Masters in Business Administration (MBA) from Melbourne Business School in Australia.

In his spare time he competes in triathlons and Ironman competitions, balancing his training time between swimming, cycling and running. He lives in Singapore with his wife and two daughters.

Topic: TMRW By UOB – Connecting The Dots In Digital Banking



Quang Nguyen

CEO, Cake Digital Bank

BeFinancial, a subsidiary of Be Group

Mr Nguyen Huu Quang has 20 years of experience in fintech, finance and banking and has a deep understanding of financial technology models, digital banking and financial and banking services. He currently holds the position of General Director of beFinancial, the business that coordinates the operation and management of Cake digital bank. Before that, he used to be the CEO of Trusting Social Vietnam fintech company, Deputy General Director of Retail Banking, MSB and Sales Director of Visa Inc. in Vietnam, Cambodia and Laos.

Trusting Social was established in June 2013 in the US. This is one of the leading fintech companies in applying AI and big data to the credit risk assessment model, making credit rating faster and more accurate. Before Trusting Social, customers need a few days to be approved for a credit loan, and only 20% of customers have a credit history that meets the requirements from financial institutions and banks. Now, through Trusting Social technology, tens of millions of “unbanked” customers (who have never/or had difficulty accessing banking services) can now borrow money and the time from making loan applications to disbursement is only about 7 minutes.

Particularly at Cake, although it has only been established for more than 6 months, Cake has grown rapidly in both the number of customers and payment transactions every month. Cake’s strength is to help spread financial inclusion to the group of technology drivers – who are unskilled workers, have limited in time and often hesitate to make transactions at traditional bank branches, as well as serving customers in Be group’s ecosystem quickly and conveniently. Besides, many young customers who love technology and new changes in banking services have come to Cake. Cake’s monthly growth of new customers is among the top banks in Vietnam.

Topic: How Vietnamese Ride Hailer, Be Group Is Developing Cake, A Digital Only Bank, To Serve Their Driver, Rider And Young Vietnamese Consumers