Head of Financial Solutions
WSO2, Sri Lanka
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Ong Ron Nee is the Former Country Head of Financial Crime Risk Assurance in HSBC Bank Malaysia. He possesses over 31 years of experience in banking, internal auditing, operational compliance and financial crime compliance in Malaysia and Singapore. He is also a Chartered Member of Institute of Internal Auditors Malaysia (CMIIA), a Member of Malaysian Institute of Management (MMIM) and Associate Member of Asian Institute of Chartered Bankers (AICB). Besides that, he has obtained certifications in Internal Auditing for Financial Institutions by AICB, Anti-Money Laundering & Counter Terrorism Financing by AICB with International Compliance Association (ICA).
Glenn Tasky is the Director of Financial Stability, Supervision and Payments at The SEACEN Centre. He holds years of acquaintances being in the financial sector regulatory and a supervisory expert. He comes with 22 years of experience as an advisor to central banks in 6 countries and 3 years in Malaysia as the Director in a Research and Training Centre serving 19 member central banks and monetary authorities in the Asia-Pacific.
Janet is a disruptive tech advocate with over two decades of experience in banking risk and technology, and a long-term enthusiast in artificial intelligence with a recently completed Master’s degree in AI at the University of Essex. Her professional experience extends across commercial and investment banking. Combining her published research on Explainability and Accountability of AI, with her special brand of technology, risk and conduct expertise, she has established herself as a thought leader in AI Risk and Ethics in banking.
Mitchell Smart is the Team Leader of the Anti-Money Laundering Operations at Bank of Queensland, Australia under the Financial Crime Risk (FCR)/Group Risk Division.
Neelima Fernandes is the Chief Risk Officer at Deutsche Bank in United Kingdom. She is an experienced Risk Management professional who has worked in Financial Services industry for over 15 years.
Hakimi is the Maybank Group’s Head of Group Financial Intelligence Unit. He has an extensive background in financial crime compliance with extended experience in AML Transaction Monitoring and customer name screening. His past experience includes the group AML Head in Maybank, Asia Pacific Head of FIU Program, Procedure and Training in Citi, Asia Pacific Head of Investment Banking AML in Credit Suisse based in Singapore and Asia Pacific Monitoring and Surveillance Head in Bank of America (also Singapore). An engineer by qualification, he worked as a systems engineer post his graduation in Tokyo University of Agriculture and Technology before making a move into banking sector.
Dimitri is an international consultant with holistic experience in cybersecurity and information risk management. Instead of advocating cybersecurity through FUD (Fear, Uncertainty and Doubt), his approach is focused on how to leverage IT and information security combined to create value, operate digital transformation, decrease operational costs and streamline operations. Dimitri has held roles in various financial institutions in Switzerland and Ukraine, where he currently supervises the operational and digital transformation of the third largest Ukrainian bank in a corporate turnaround context. He is a regular keynote speaker at information security conferences.
Mr Dhananjaya Tambe was the Deputy Managing Director & Chief Information Officer in State Bank of India, India’s largest bank, till November 2020. He joined the Bank in 1987 and moved to the IT vertical in 2009 for leading the Integrated Payment Hub Project. In 2011, he became the head of Internet Banking. From 2013 to 2014, he served as General Manager, first of Payment Systems and then of IT-Infrastructure. In 2015, Mr Tambe was elevated to the rank of Chief General Manager for IT-Operations and later for IT-Transformation, Collaboration and Marketing.
With over 25 years of experience across North America, East Asia and South Asia, Harish Bhonsle has led large and diverse teams in the development and execution of corporate strategies. His key skills include risk management, thought leadership, change management, and achieving targeted outcomes. His experience with HSBC, BlackBerry, Dell and the World Bank includes lead roles in Commercial / Retail Banking, relationship management with P&L responsibility, establishing and executing strategic objectives, providing risk advice to key stakeholders, collaborating with business partners in implementing policy, cost management and governance.
David is the Senior Advisor for Data and Artificial Intelligence at UnionBank Philippines. Concurrently David is an external advisor to Singapore’s Corrupt Investigation Practices Bureau (CPIB) in the capacity of Senior Advisor (Artificial Intelligence) and to Singapore’s Central Provident Fund Board (CPF) in the capacity of Senior Advisor (Data Science). Prior to his current roles, David was Monetary Authority of Singapore (MAS) first appointed Chief Data Officer and Head of Data Analytics Group reporting to the agency Deputy Managing Director for Financial Supervision and subsequently Special Advisor (Artificial Intelligence) reporting to Deputy Managing Director for Markets and Development. In these roles he led the development of the AI strategy both for MAS and Singapore’s financial sector as well as driving efforts in promoting open cross-border data flows.
Sumit Gupta is the Chief Risk Officer of YES Bank. As a part of the initial start-up team in 2004, Sumit was instrumental in establishing the Commercial Banking in YES BANK. He has played a pivotal role in establishing and scaling up of the rural businesses, micro finances and SME businesses by enhancing systems and processes to yield in a higher productivity and reduction in risk. With a focus on assessing and managing risks based on data-backed analysis and having managed the Sales and Marketing role for the past over 15 years in various leadership positions, he is now responsible for managing the overall Risk function (Enterprise Risk, Credit Risk, Market risk, Operational Risk and Information Security Risk) of the bank.
Agus Sudjianto is the Executive Vice President, Head of Model Risk and a Member of Management Committee at Wells Fargo, where he is responsible for enterprise model risk management.
Dipanjan is the Former Managing Director and Head of Credit Risk at Marcus by Goldman Sachs. As the founding member of Marcus by Goldman Sachs, he has built and launched Goldman’s consumer business from initial concept to flagship products and rapid business growth. He had multiple leadership roles in the area of advanced analytics, product design and risk management across global organisations like Commonwealth Bank of Australia, Discover Financial and GE Capital.
Neil Bartlett is the Former Senior Vice President of Data and Analytics of the Royal Bank of Canada and Scotiabank. He is a finance industry veteran with over 30 years of experience. Prior to that, he was the Chief Technology Officer of Algorithmics – a start-up focused on risk management. He is currently writing a book on finance and retirement for Canadians called “The Doctor and The Dog Walker.”
Steven WONG Weng Leong is currently the Chief Operating & Financial Strategist (COO) at China Construction Bank (CCB) Malaysia. Just prior to his expanded responsibilities, he was the Chief Business Development Strategist. At CCB Malaysia, Mr Wong drives bank-wide business development, information technology, operations, finance, and digital bank strategies to accelerate business and transformation growth, including catalyzing FinTech initiatives and delivering product, technology, and digital innovations. A seasoned banking and financial services executive with in-depth knowledge of the industry and an unblemished track record of more than 26 years. He has held strategic leadership roles in Front Office (FO), Middle Office (MO) and Back Office (BO) at Western Union, Alliance Financial Group, Maybank, Maybank Life Assurance, MIDF Amanah Investment Bank, and Citi and he well regarded in the financial services industry as an all-rounder and go-to-guy.
Bryan is the Strategy and Special Projects Head of the UnionBank Fintech Group. He has had extensive professional experience working in energy, telecommunications, and gaming; focusing on sales, marketing, and product management. Bryan also served as an Associate Director for Tech-Up Pilipinas – a movement launched at the Singapore Fintech Festival in November 2018 that seeks to help small and medium enterprises (SMEs), individuals, and large corporates benefit from technological advancements in order to “tech up” the Philippines and pave the way for inclusive prosperity.
Wong Wai Ken, is StashAway Malaysia’s Country Manager. He has also accumulated asset management experience in the Investments division of Khazanah Nasional Berhad and gained capital markets experience at Affin Hwang Capital. As Country Manager of StashAway Malaysia, he led the launch of the local business by establishing partnerships and channels.
Sreepathy Iyer was previously Executive Director, Head of Wholesale Business Technology and Operations at United Overseas Bank (Malaysia). Prior to that, he had worked for Accenture and Avanade for 27 years in major technology and business consulting delivery execution and strategic roles and consulting leadership positions in South East Asian countries and in the United Kingdom, primarily in Financial Services and Oil & Gas industries. Sreepathy has deep experience in strategic business solutions, digital innovation, program management, transformation, mergers and consulting practice management.
Prior to joining IBM, Devabalan was the head of transformation for a large regional bank based in Malaysia (multi-year program with a budget of RM2.3 billion). He was also the head of the innovation lab for a large regional bank based in Malaysia.
Michael is currently the first vice president and group head of operations and shared services at UnionBank of the Philippines. He was awarded for UBP as The Digital Banker’s Global Retail Banking Innovation Awards: Highly Acclaimed Chatbot Service and Asia-Pacific Stevie Gold Medal Award for Innovative Use of Technology in Customer Service – Financial Services in 2019.
Jasmine Ng joined iPay88, an NTT Data company, as the Chief Revenue Officer. iPay88 is a leading payment gateway provider in South East Asia, providing innovative solutions to accept payments online and offline, offering one of the most comprehensive omni-channel payment solutions in the region. Presently, Jasmine is also serving on the advisory boards of an online fintech school, a venture capital company and also a prop-tech start-up. In Jasmine’s last position, she was the Chief Executive Officer of Razer Fintech, a subsidiary of Razer Inc. Razer Fintech is a leading offline-to-online digital payment network in Southeast Asia. And just launched its e-wallet in Malaysia called RazerPay and has an established payment network to facilitate B2B payment capabilities across the region.
Deepak Sharma heads Kotak Mahindra Bank’s digital initiatives where he drives digital transformation, business model innovation, and future-ready initiatives of the bank. He is responsible for efficiency, productivity, customer experience, and growth of the business through digital intervention across digital channels, lending, payments, investments, insurance, trade & forex, for the Retail, SME, Private Wealth, and Institutional Banking segments. Deepak also leads Digital IT & Product engineering, Innovation Lab, Design Studio, Fintech partnerships, and the Start-up ecosystem participation for the bank.
Segar is currently Head of Transaction Banking Sales for Standard Chartered Malaysia. He is responsible for the strategy and delivery of the Bank’s cash and trade finance capabilities in Malaysia. He joined Standard Chartered in 2007 as a Management Associate and has held various positions within Standard Chartered in Singapore, Qatar, and Malaysia.
With more than 15 years in banking, Aizuddin Danian has been at the heart of digital tech and media convergence. He believes that innovation is the key for progress, in banking and any other part of life. Innovation is doing things slightly better, every single day.
Dewi Rengganis is an Industry Analyst with Frost & Sullivan ICT practice. Her current research focuses on Telecoms and Payments notably in the areas of Financial Technology Services, Mobile & Wireless Communication, Mobile Payments, and Digital Wallets. She has spent over a decade working in the Financial Technology and Telecommunications industry and has worked with leading organizations such as Indosat Ooredoo and XL Axiata to develop and execute their growth strategies. Projects she has worked on include those related to the payment gateway, Big Data, and e-KYC process.
Mr. Alex Perera brings with him over 14 years of experience collectively in the Quantitative Finance sector and the Capital Markets sector. Previously he served as an Assistant Director at Moody’s Analytics Knowledge Services where he specializes in Risk Management, Data Analytics, Bank Regulatory Capital Management, Asset Management and Stress Testing. Well versed in both local and global financial markets, he entered the Capital Markets domain through his former role as a Senior Business Analyst at Millennium IT, a London Stock Exchange Group Company, where he focused on Global Trading Platforms, Market data Dissemination Systems and Market Surveillance Systems. Throughout his career he has also been involved in Software Development, specifically mastering trading and portfolio analytics technologies. Mr Perera holds a Master’s Degree in Quantitative Finance and Financial Engineering from the University of Manchester (UK) and a Bachelor’s Degree in Computer Science and Engineering from the University of Moratuwa. He is a Chartered Financial Analyst (CFA) and is also a Microsoft Certified Professional.
Pramith De Zoysa is a Network Engineering graduate and holds an MBA and a CISSP with more than ten (10) years of experience in Information Systems Security domain. He was an Information Security specialist at TechCERT, where he specialized in Penetration Tests and other Managed Security services. Joined the Banking industry and provided technical expertise in the areas of Network Security, Systems Security, Application Security and Regulatory Compliance. Pramith served as the Information Security Manager of Commercial Bank of Ceylon PLC and lead the bank towards achieving ISO 27001 :2013 upgrade and initiation of PCI DSS compliance. Currently he is the CISO of National Savings Bank where he commenced the Information Security Unit and established Information Security Management System, Regulatory Compliance and managed the PCI DSS compliance project at NSB where NSB is the only state bank with PCI DSS compliance to date
Joined State Bank of India in 1994 as probationary officer and has worked in different assignments for last 25 years which includes general banking, personal and retail banking, human resources, tech processes and various positions in administrative offices. Has a wide experience in processes and procedures and is an ardent follower of digital developments in banking sectors. With his specialized education in electronics in post graduation level, he shows keen interest in digitalization. During this four years stint as Country Head, State Bank of Sri Lanka he has focused on digitalization of existing processes and has introduced various tech enables to increase customer convenience.
Harsha Wanigatunga is the Chief Information Officer at Seylan Bank PLC. His expertise spans diverse industries such as Aerospace (NASA, Lockheed Martin – USA), Banking (JPMorgan Chase – USA and Seylan Bank), Payment Systems/Networks (LankaClear / LankaPay), Software Engineering, Enterprise IT Services (Virtusa) and Healthcare Management (Owen Healthcare Inc.). Possess over 26 years of extensive global experience, inclusive of 9 years in the USA and 7 years in multinational organizations. Proven experience of 17 years at Senior Management level, out of which 11 years are at CXO level. He was instrumental in architecting and leading the modernization of national retail payment systems in Sri Lanka, that are in par with global standards. This includes LankaPay – CEFTS (the real-time payment system), national ATM network (LankaPay – CAS), batch mode payments (SLIPS), Cheque Clearing System (CITS), etc. He is actively engaged in research, design and development of enterprise scale digital banking systems that create significant value and convenience for users, merchants, businesses and banks alike. He holds a BS and MS in Computer Engineering from University of Houston – Clear Lake, is a member of The Honor Society of Phi Kappa Phi and Certified Payment Card Industry Security Implementer (PCI DSS).
29 years’ experience in the Information Technology field including 24 years in the Banking Industry, 4 Years in Retail / Super Markets / Manufacturing. Currently CIO of NTB , previously Group CIO – Cargills Group, Head of IT – Pan Asia Bank, Head of IT – Cargills Bank, Senior Manager – HNB.
An experienced man in the banking industry. Dr. Amal Illesingle has experience from around the world and he puts it all to good use being part of National Savings Bank as the Chief Information Officer! Before he joined the work force, he carried out his doctorate in IT in Malaysia University of Science and Technology. With experience as an educator before joining the banking industry, he has a lot of knowledge to impart to everyone in BankTech Asia 2020!
Counting more than 30 years’ experience in banking industry covering Financial reporting, Financial Management, taxation, banking operations and Risk management. Former CFO of HNB and DFCC. Serving as a Director in group companies and as a member in Board sub committees.
Dilani presently works as the Head of Compliance of Seylan Bank PLC a leading commercial bank in Sri Lanka. She also serves the compliance community in her country as the President to the Association of the Compliance Officers of Banks of Sri Lanka. Dilani is an Attorney -At –Law and also Fellow members of the Institute of Bankers of Sri Lanka [FIB] and the International Compliance Association of the United Kingdom [FICA].
Kanchana Hewavitharana is the COO of HSBC Sri Lanka and Maldives. He was appointed to the COO role in September 2018. Prior to taking on his current role, Kanchana served as the Chief Financial Officer of HSBC Sri Lanka and Maldives since 2012. Kanchana joined the HSBC Group in 2004 from Nestle Sri Lanka. During his illustrious fourteen year career with HSBC, Kanchana has covered a number of senior management roles across the Asia Pacific region including HSBC Hong Kong, Vietnam and Sri Lanka. Kanchana was instrumental in driving transformational change in finance across three HSBC markets. He was a key member of the HSBC groups Finance cloud strategy development team.
Ruwan Bakmedeniya leads IT Services at Hatton National Bank PLC as Chief Information Officer and is responsible for enterprise technology, cybersecurity and integrated solutions across finance, human resources, and internal contact centres — as well as driving the organization’s digital and technology transformation strategy. Bakmedeniya talks passionately about ensuring digitalization is unswervingly directed at creating business value. A key focus of Ruwan is developing strategies for improving infrastructure and support tech to support business growth and new revenue lines in digitalization.
Prior to joining NDB, Mr. Deepal Akuretiyagama served as Senior Vice President/Head of Operations at HSBC Philippines, Sri Lanka, Jalan and Indonesia. In addition he was attached to HSBC Hong Kong Regional Office and project managed one of the largest organizational effectiveness programmes of HSBC Group and also provided leadership to many other Group/Regional projects. He served as the Lead subject matter expert of the HSBC Regional Account Reconciliation Project for eighteen countries. He has been instrumental is designing the HSBC Global E-Statements Project. He has held the position of Chief Information Officer (CIO), HSBC, Sri Lanka & Maldives. He started his banking career at HNB in 1994 where his last posting was as the Manager – System Implementation prior to joining HSBC, in 1998. Mr. Akuretiyagama possesses an MSc in IT from Keele University, UK with a First Class, where he was adjudged the worldwide best student in 2002. Furthermore he possesses British Computer Society (BSC) and Australian Computer Society (ACS) qualifications. He is an Associate Member of Chartered Institute of Management Accountants (CIMA). He is also a Six Sigma Green belt expert.
Teran Pasindu Dharmasiri is a digital, transaction banking / cash management specialist. He has held key positions in the Transaction Banking and Cash Management domains as well as in global Trade Services, Corporate Banking and in IT, covering both global and local banks such as: Standard Chartered (Colombo, Sri Lanka), Nations Trust Bank, Union Bank of Colombo. Currently, Teran Pasindu heading the Payments and Cash Management at the Hatton National Bank, Sri Lanka. In his current role, his main focus is to combine retail digital banking space with wholesale banking – through digital led transaction banking eco system thus, enabling clients to enjoy end to end value chain regardless of the client segments. Pasindu’s previous stint at the Union Bank of Colombo, he founded the first cash management value proposition among Sri Lankan local banks and eventually launched a fully-fledged Payment and Cash management (PCM) channel led product proposition as the first local bank to have successfully rolled out an end to end PCM solution with a time to market of 08 months.
Mark Bantigue works where technology can improve daily lives. Recently at Security Bank, he headed digital channels to provide better banking through customer experience and convenience. Previously, he worked at Globe Telecom’s mobile commerce ventures and various regional mobile-first start-ups
Manuel Joey A. Regala currently serves as EastWest’s Chief Information Security Officer, Information Security Officers Group President, and the Philippine National Police Anti-Cybercrime Group Council Chairman. With over 35 years of experience in information security and IT security on financial systems, Regala is one of the leading pioneers of cybersecurity in the Philippines, having proven himself with an impressive track record of implementing effective and world-class security systems and infrastructures to protect important personal data and bank assets. Regala is also recognized and awarded by ASEAN as one of the most outstanding Chief Security Officers in the region.
Frederick “Eric” Faustino is Assistant Vice President and Head of Digital Channels Business Development and Onboarding. Prior to this, he shepherded the mobile banking channel of BPI. Eric joined the Bank’s IT Group in 1998. He later moved to the Bank’s then-Emerging Markets Group to head mobile banking. Since 2008, he has been managing mobile banking and payments. Throughout his stint, the Bank’s mobile channel continuously trailblazed the Philippine banking scene – offering SMS banking with both Globe and Smart, and mobile apps for banking and shopping. BPI Mobile Wallet, BPI’s foray on mobile NFC payments, was launched to the public in 2012. In 2018, with Eric’s initiatives, the bank partnered with Lazada and GCash for seamless payments via open banking. Today, the BPI Mobile app is one of the top banking apps in App Store and Google Play in the Philippines. Eric received his Bachelor of Science in Computer Science at De La Salle University in 1993.
Dodge is currently the Head of FinTech Synergies & Integrations in the FinTech team of UnionBank of the Philippines. He comes from a diverse background of both corporate and startup companies in gaming, HR tech, telco, and banking. In those companies, he has had over a decade of experience in various roles: Product Development, Product Management, QA Management, and Business Development and Partnerships. He has led partnerships that led to new product offerings to new markets and grew users for both partners. Dodge has a degree in Psychology from De La Salle-University, but is adept in code and user experience design.
Recognized by the Singapore Fintech Association as among the top Fintech Influencers in Asia and a Champion of Fintech in the Philippines by various international and local media and organizations, Arvie spearheads the key digital transformation initiatives of UnionBank as the Senior Vice President and Head of its Fintech Business Group, and Board Member of its subsidiaries PETNET Inc. and UBX, the bank’s fintech arm. Arvie also serves as a Trustee of the Fintech Philippines Association and the Distributed Ledger Technology Association of the Philippines. He has been invited at international conferences as a thought leader in innovative financial services, particularly on topics such as Fintech, Blockchain, and Organizational Digital Transformation. As a firm believer of financial inclusion, Arvie is the Co-Founder and Director of Tech-Up Pilipinas, a movement that seeks to help SMEs, individuals, and large corporates benefit from technological advancements to “tech up” the Philippines and allow inclusive prosperity.
Aiyappan is the Head of Information Services at CIMB Bank Singapore, responsible for Transformation programs and IT Applications supporting Consumer, Wholesale, Commercial, Corporate, Islamic and Private Banking businesses. Prior to that, over a period of 15 years at ANZ bank, he led several technology delivery portfolios and programs across Transaction Banking, Retail banking and Enterprise Technologies. He was also a part of Citibank’s Technology Infrastructure division building a data centre for Asia Pacific and EMEA regions. Having worked with different businesses and customer segments across multiple geographies, Aiyappan continues to enjoy delivering business value through technology transformation and innovation.
Shanti Gnanapragasam is Vice President – Group Risk Management & Chief Risk Officer of NDB Bank PLC. She was also NDB’s Vice President – Shared Services, and Chief Credit Officer earlier. Previously at HNB, Shanti was the Chief Risk Officer, and prior to that was Head of Treasury & Markets. Shanti re-joined HNB in April 2010 after a previous stay of over nine years at the beginning of her career. She was Chief Dealer when she left HNB in 1993. Her Banking experience is extensive. In addition to Treasury Management her experience includes Treasury Systems evaluation and implementation, leading specific projects such as IFRS, providing training for bankers, auditors and accountants in Credit, Risk Management, Treasury-related technical subjects, Accounting, Leadership and Mentorship. Her higher education comprises a BSc (Honours) First Class in Zoology from the University of Madras and Fellowship of the Chartered Institute of Management Accountants UK as well as the Chartered Global Management Accountants (conferred). Shanti holds Dealer Certification from the ACI Financial Markets Association Paris, Omega (USA) certification as a Credit Risk Professional and the Professional Diploma in Integrated Risk Management in Financial Services from The Chartered Institute of Securities & Investment (UK). Shanti has also previously held the positions of Group Treasurer of Hayleys PLC (2007 to 2010), Deputy Head of Treasury at People’s Bank (2002 to 2007) and Director Treasury & Country Head of Global Markets of American Express Bank Ltd Sri Lanka (1993 to 2002).
Peter Leong has over 30 years of working experience in Banking & Finance, mainly in Shared Services, Financial Services, Oil&Gas and Manufacturing in a Regional/Global IT role, inclusive of Business Processes(BPI) & Continuous Improvements(CI), Digitisation, CyberSecurity, FinTech and Blockchain. He has been in Senior Management team since 2010 engaging Gartner, Pikom & CIO World for Technology solutions. Having strong People, Leadership and Team Management skills, Resources and Talent Development plus Relationship, Service Delivery and Account Management; Projects/Program, Tender/RFI/RFP, IT Roadmap & Architecture Strategy.
Rana is the Director, Innovation & Digital Services at Barclays. Prior to this, Rana was the Head of Innovation and Digital Financial Services Technology (Asia) for the Commonwealth Bank of Australia. Rana has over 20 years of experience in banking and financial services in Australia, Asia and Africa.
Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific, with the responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem. Reporting to Visa’s Chief Enterprise Risk Officer, the RRO is also responsible for strategic risk management for the business, credit settlement risk, brand protection, fraud management and data security across Asia Pacific.
Seshika is a Senior Technical Lead at WSO2 and focuses on the applications of WSO2’s middleware platform in financial markets. Throughout her career, she has had extensive experience in providing technology for stock exchanges, regulators and investment banks from across the globe.
Software engineer by trade, Maciej joined Comarch over 7 years ago. As a developer, and later on project manager, he has accumulated a vast amount of hands-on experience in the area of corporate internet banking – in terms of both technical competence and business knowledge. Passionate about user experience, Maciej now serves as an expert in the field of new technologies and their practical application in the banking industry.
Paolo J. Baltao is a Senior Vice President of Union Bank of the Philippines and the Head of the Digital Transformation Group, the team spearheading Union Bank’s continuous product innovation using digital and mobile technologies and building its digital business utilizing digital channels and solutions. He also heads Global Filipino, the remittance arm of the bank. He has more than 20 years of experience in product management and business development.
Dr Sampath is a seasoned professional who has been working in CIMB for the past since 2009. He is currently the Managing Director and heads the Group Enterprise Architecture and Solutioning division. His technical and management expertise spans a wide range of areas including strategic planning and enterprise architecture among others.
Aaron Tan Dani has been actively involved as the Founder and the Chairman of IASA Asia Pacific, the global professional body of IT Architects since 2004 and was actively involved in setting up and leading IASA Chapters across the Asia Pacific countries. Aaron’s close connection with the industry leaders and government bodies in the respective APAC countries gives him the edge in the latest technology landscape.
Mr. Tuahta Saragih is currently the Director of Enforcement within the Financial Supervision Directorate. Mr. Tuahta is actively involved in developing the Fintech ecosystem in Indonesia. He is part of the Fintech Expert Forum which was set-up by OJK to facilitate co-ordination between fintech startups and agencies.
Rajnish is a senior Banking Professional, having 20 years of experience with HDFC Bank, Citibank, Standard Chartered, Reliance Retail and ICICI Bank. He is currently Head Digital Transformation, Social Business & New Media and Mobility Banking and is responsible for Digital, Social & Mobility Strategy for HDFC bank and inculcating innovation as a culture & using innovation as a strategic differentiator to gain leadership position in chosen markets.
Markus Gnirck is Partner & Co-Founder of tryb and prior to tryb, Markus co-founded Startupbootcamp FinTech. It is the largest innovation program in the FinTech industry with startup accelerator programs in London, Singapore and New York. He led investments in more than 20 FinTech startups worldwide and sits on the board of multiple companies in Europe and Asia.
Deepak Sharma heads Kotak Mahindra Bank’s digital initiatives and is responsible for digital transformation and digital-led businesses of the bank. He is also responsible for digital initiatives across lending, payments, investments, insurance, SME & Institutional banking segments along with website, social and digital banking channels. Deepak also leads Innovation Lab, Fintech partnerships and new product development.
Terence is a Fintech Lead at Matchi, the global fintech innovation matchmaking company recently acquired by KPMG. He worked as a scientist for a decade in various roles from mining to FMCG. Post a stint at a global consulting house, he spent 12 years in various roles in investment banking, including M&A and research, eventually becoming the Executive Head of Strategy for a large South African bank.
Sachin is currently Senior Vice President at DBS bank and leads digitisation of SME banking. He has 15-year diverse work experience across Digital Banking, Research & Consulting in ASEAN, US, Denmark & India. He has been Ranked Best Telecom Analyst in Asia by Wall Street Journal (WSJ) based on accuracy of recommendations and has won several awards from Starmine & Asiamoney.
Vipin has over 7 years’ experience in strategic research within the financial services sector with past stints in firms such as EY and Jardine Lloyd Thompson. He has worked on developing market entry strategies for multiple financial services in Europe and the US. His core competencies include an in-depth understanding of the financial services industry with a focus on areas such as payments, emerging fintech and insurtech.
Dzuleira Abu Bakar is the CEO of Cradle Seed Ventures (CSV) and the General Partner of the Fund. Dzuleira is tasked at identifying and investing into high growth businesses in the digital & tech sector both within Malaysia and regionally. Dzuleira has over 12 years of experience in VC & PE investing, corporate finance, legal & governance, deal structuring, stakeholder management as well as government relations.
Roy leads the FinTech ecosystem development work at the Monetary Authority of Singapore. The team’s efforts are focused on connecting, collaborating, and co-creating with the FinTech and financial services to grow Singapore’s financial sector and to foster a conducive environment for innovation to flourish.
Rohan Krishnalingam was appointed as Group Chief Operations Officer of the RHB Banking Group on 6 January 2014. His primary responsibilities include overseeing of Group-wide Technology and Operations functions, ensuring accurate and timely Technology and back-office operations and services support for the relevant business/functional units, overseeing the implementation of the transformation projects and taking a lead role in driving RHB Banking Group to be a Digital Bank.
Remy is the Head of Digital Innovation & Strategy at Maybank tasked with innovating the bank’s digital sales and service channels in-line with its ambitions to be the Digital Bank of Choice. Passionate about enriching lives via technology, he has spent the last 15 years with leading market innovators such as webe, Maxis and LG.
Kunal has over 10 years’ experience in product development, innovation & strategy across corporate organizations and FinTech start-ups. Kunal has experience in building B2B and B2C products for mobile and e-commerce, digital payments, mobile wallets, payment acceptance, point-of-sale. He is a business mentor for FinTech accelerator programmes, Startupbootcamp (Singapore/Mumbai, India), Supercharger (Hong Kong) and part of the advisory panel for YES Bank’s, YES FinTech programme (Mumbai, India).
Krishnadas is currently Director (Product Management) & part of the Digital Payments & Labs team at Mastercard. He is a passionate product management professional with a focus on the mobile payments domain. He leads the Masterpass wallet payments initiative for Asia Pacific and is based in Singapore, Mastercard AP HQ.
Jeremy Thomas is the Co-Founder and Director of Geniusto, a smart technology provider and reseller of innovative, digital solutions. In founding Geniusto, his current focus is working with Banks to unlock their full potential in digital channels around the use of innovative solutions such as LiveBank, a leading Virtual Branch technology to ensure they remain competitive in the fast-paced digital banking age.
Igor Pesin is a Partner and Investment Director at Life.SREDA VC, a global fintech-focused venture capital fund, headquartered in Singapore. Being responsible at Life.SREDA for the investments throughout their entire life cycle, Igor has executed more than 20 fintech deals across the world – in the US, Europe, CIS and Asia. Among them are Simple bank (sold to financial group BBVA), Moven, Fidor, Anthemis, SumUp, Allset, Lenddo etc.
Dilip Rao heads up business development and operations as Managing Director, Ripple Asia-Pacific. In this role he engages with leading banks, regulators and central banks to enable innovation on the Ripple platform. Mr. Rao has over 25 years of experience in senior management with technology multinationals in technical, sales and marketing roles in Asia.
Mr Felix Tan is the Managing Director of The Finlab, Singapore’s 1st corporate fintech accelerator, and a Joint Venture company between United Overseas Bank (UOB) and Singapore Innovate (SGInnovate). Given his background and passion for mentoring, startups will have much to benefit from an accelerator programme like The FinLab’s under Felix’s charge.
David co-founded iSpring Capital, an investment management and advisory group which managed a technology focused venture capital fund for Malaysia Venture Capital Management (MAVCAP). He has served the Malaysian Venture Capital & Private Equity Association in various capacities including as Chairman between 2008 and 2010. He continues to work with technology start-ups and was involved in the setting up of the Fintech Association of Malaysia where he is currently Chairman.
Clarence is a technology risk and regulatory specialist within the Risk Assurance Services practice in PwC Malaysia. He is currently active in helping many local clients – including fintech companies – to address regulatory requirements in the area of cyber security, data privacy, business continuity and financial crime. He also leads a team of penetration testers providing threat and vulnerability services to local and regional clients.
A user experience and product design professional with 20 years of experience designing world-class software/mobile application and digital products in e-commerce, financial services, payments and banking & wealth management. Currently overseeing the design of every touchpoint at the DBS Consumer Banking Group, solidifying a fluid visual narrative that can maximize efficiency and purpose as well as building a solid UX & Design team.
Mr. Chin Wei Min is the Executive Director at the Malaysian Securities Commission (SC). He leads the Innovation and Digital Strategy division, and also oversees the data management, strategy and risk departments. Wei Min led some of the recent digital transformation initiatives at some of the FIs including digital blueprint for one of the largest brokers in ASEAN and advanced analytics capability design for one of the largest sovereign wealth fund in Asia.
Brad’s background and experience in the Payments and Expense Management industry spans 25 years across North America and Asia Pacific. Currently, Brad is leading the sales and business development initiatives with Irdeto, a Naspers group company, in the APAC region to deliver digital platform security solutions to the financial services industry.
Bert Lim is a Dell EMC Solutions Consultant who focuses on next generation services such as Big Data, SDx, IOT amongst others. Combined with his experiences gained over the last 16 years in operations, solutions, engineering and management, he helps Dell EMC customers implement the next generation solutions today to ensure they are future ready.
Aznan Abdul Aziz is the Director of Financial Sector Development Department of Bank Negara Malaysia. The department is responsible for developing strategic plan for the overall development of the financial system and coordinate policy direction and initiatives involving financial institutions, infrastructure, legislation and financial market. He is also the Chairman of the Financial Technology Enabler Group.
Amit in his current role has been instrumental in creating a strong “YES” brand and his responsibilities include all aspects of Business Strategy, Planning & Analytics, Marketing, Communications, Branding, Digitalization, Public & Social Policy Advocacy, CSR Strategy & Responsible Banking initiatives. Amit has been acknowledged for transformational leadership in building high performance organizations, partnering with businesses for breakthrough & sustainable business results.
Adrian is the Co-founder, Chairman and CEO of Fintonia Group (“Fintonia”). He has a strong strategy, mergers & acquisitions and corporate finance background with over 10 years’ experience as a C-level executive. Fintonia invests in FinTech companies in ASEAN and HK, partnering with entrepreneurs to rapidly grow their businesses and improve the efficiency of financial services in the region.
Aditya leads the digital strategy and transformation agenda for OCBC Bank’s consumer banking and wealth management franchise. He is responsible for realising the full consumer and business potential of digital solutions and services across all customer touchpoints. In this role, he has led the radical transformation and simplification of digital platforms and pioneered many market-leading, award winning digital innovations leveraging analytics, human-centred design thinking and fintech ecosystem.
Jaspreet Singh has been working in the area of digital economy with UNCDF. Engaging with public and private sector stakeholders with focus on contributing to SDGs. He joined UNCDF in 2015 and worked on expanding the portfolio on digital across Asia. Having worked in banking across various portfolios agriculture and rural banking, SME and investments with ICICI Bank during mid-2000. He continued the role as advisor in space of digital finance and financial inclusion, working with various international organizations viz, World Bank, UN, IFC, other global consulting firms and implementing organizations including bank, telcos, tech companies across Asia, Africa and Pacic on variety of engagements ranging from customer research to strategic implementation.
Vishwanath has well versed 12 years’ experience across Loyalty & Relationship Management Platforms, Digital Transformation, and Customer Experience & Communications. With his wide scope of expertise, he manages consulting and presales engagements for Aurionpro’s Interact DX CCM Platform for Asia Pacific region. Vishwanath received master’s degree in Computer Science with Data Mining focus from University of Nebraska Lincoln. He has built loyalty & relationship management platforms for India’s largest Automobile Manufactures & FMCG companies. He currently works closely with leading BFSI and Telecom companies within Asia Pacific to transform their Customer Communications and help them to transform digitally.
Alison Grün is the Business Development Director for Asia Pacific at Software Group, a global technology company specialized in delivery channels and integration solutions for institutions that
provide financial services. Alison has 10 years of experience in marketing, public relations, customer service and sales, 8 of them in the telecom industry. Before joining Software Group, she was
heading the South East Asian Sales for Sofrecom, an Orange Group’s subsidiary specialized in consulting services for telecom operators and regulators. Alison has consistently envisioned international development strategies and implemented them efficiently, achieving higher revenues for the organizations she was working in.
Ajay is an engineering graduate with over 15+ years’ experience across Platform Digitization, Unified Communications, and Customer Service across Banking, Telecom and Insurance industry. With his wide scope of expertise, he manages consulting and presales engagements for Aurionpro’s Interact DX CCM Platform for EMEA from past 5 years. Ajay has successfully spearheaded sales, presales and channel management functions in the EMEA region. He plays a leading role in driving innovations and the product roadmap. As a role of regional manager, Ajay has established a strong channel network to expand the footprint of Interact DX in his region.
Jasmine Ng is the Director of Investments and Special Project at NEM Malaysia, which is a wholly owned subsidiary of NEM io Foundation. NEM.io Foundation is a non-profit IT foundation that owns the NEM blockchain technology. They are pioneers of an open source & community based blockchain technology that is now used by enterprises, universities and governments utilizing advanced cryptography in executing transactions that spans across the internet. In Jasmine’s last assignment in the banking industry, she was head of Group Digital, Strategic Digital Alliances and Project Management Office for Maybank Group. Amongst her functions, she use to oversee the bank’s strategic digital alliances like AliPay and Samsung Pay, implementation of the bank’s digital projects and was instrumental in the launches of Maybank Pay, Samsung Pay and AliPay for the banking group.
CS Gill is a country manager for APAC and one of the pioneers who assisted in Infobip’s expansion to the far east. He brings with him 25 years of experience in Sales and Management. In the past 8 years’ with Infobip, he has opened the regional market to Infobip’s solutions and is currently focused on the enterprise market in Malaysia. Working with most of the local banks as well as other large enterprise he has carved a 40% market share in Malaysia for Infobip’s solutions.
Senior Banking technology professional with over 12 years of technology innovation expertise with heavy dose of Artificial Intelligence and machine learning together with experience in Infrastructure and Risk management.
John Wong joined Fidelity Asia Bank Ltd (FAB) in May 2018 as the CEO for Asia. His responsibilities among all include managing the strategic growth in the business for Asia where the bank focuses on Wholesale Banking and Private Banking. Prior to his appointment, John was the MD Head of International, Global Banking based in Maybank Hong Kong. He held key roles in Group Transaction Banking, Maybank and was a Director of Global Corporates in Standard Chartered Bank; and Head of Personal Banking for Malaysia. John started his career in RHB Bank in information Technology and operations.
Victor Navaranjan Antonypillai, is the Country Officer for Sri Lanka and a part of the country management team since June 2016. He has been with IFC for over 10 years and has experience working with the advisory and investment teams to strengthen business development and build relationships with multiple stakeholders including the government. His knowledge of the local market along with his strong relationship skills has helped him play a strong role in the Financial Institutions Group (FIG) Advisory team over the last few years. He led the FIG Advisory Services in Sri Lanka and Maldives. Prior to joining IFC, he worked as a teacher, journalist, lawyer and banker. Victor is an Attorney at Law and holds a Masters in Law specializing in International Trade.
Altona has more than 12 years of experience in Financial Services Technology, Consumer Banking and Strategy in the region. He co-founded The Open Vault at OCBC, the Fintech and Innovation arm of OCBC Group where he oversees the development of Fintech and Innovation including business unit engagement, acceleration programme, Fintech solution development and Innovation culture building for OCBC Group. He drives projects in areas of KYC, AML, Trade finance, Blockchain and Machine learning. Before that he led and delivered multiple projects from technology deployment to retail banking management and during his time as the Senior Program Manager in Group COO Office, he oversaw several bank-wide strategic projects. Today, Altona heads up New Digital Venture at Bank OCBC NISP to help the bank with their digitization effort. A coder by training with Bachelor of Computer Engineering and Masters in Knowledge Engineering from National University of Singapore, Altona is passionate about technology as an enabler and challenging status quo.
Ahmad Shukri has over 27 years of experience in banking and finance, focusing on areas of risk management and Islamic Finance. He is at present the Chief Risk Officer of Bank Kerjasama Rakyat Malaysia Berhad. Prior to his current appointment, he was the Head of Risk Management , OCBC Al-Amin Bank Berhad. Among others Banks that he had also served are Al-Rajhi Bank Malaysia and Bank Muamalat Malaysia. Shukri holds a Master (Executive) in Islamic Banking and Finance from Asia E University and a Bachelor’s Degree in Business Administration majoring in Finance from Texas A&M University-Commerce, USA.
An accomplished and experienced professional with huge experience and solid records in the payment and banking industry with hands-on experience in Product Management, Business Development, Pricing, P&L Management & Budgeting, Innovation Development, Client Strategy, and Project Management. Having an extensive background in both Payment and Collection Products, include Cash Management System, Collection and Disbursement System, Host to Host Payment, Tax Management Payment, Supply Chain Financing Management and Trade Finance System.
Victor heads the rollout of Citi Ventures’ new product Incubation program (D10X) in APAC. His focus is on building the infrastructure needed for the continuous origination of ideas and teams, and delivering the support necessary for their lasting success. Victor is a seasoned entrepreneur, global citizen, and systems thinker focused on business model innovation and automated decision support. He has over a decade of experience in building and scaling technology startups across the globe. His venture involvements range from intelligent content curation and discovery through forestry tokenization to HR automation and talent analytics. He holds an MS in Decision Sciences from the London School of Economics, a double MS in System Dynamics Modelling from the University of Bergen in Norway and Radboud in the Netherlands, and a BSc in International Business from the Copenhagen Business School.
Andreas has 16 years of banking experiences in Indonesia and Singapore. He currently heads UOB Indonesia’s Transformation Office, reporting directly to CEO, with mandate to transform Credit Operating Model across the bank’s segments. Prior to UOB, he spent 5 years in CIMB Niaga where he set up Credit Portfolio Management and Model Validation teams. He came back to Indonesia after 10 years with DBS Bank in Singapore, where he was part of the teams that set up Consumer Telesales, SME & Factoring in Indonesia, and Western Multi-National Corporation (MNC) desk, among other roles across the bank. He is an engineer and lawyer by training, from Nanyang Technological University and University of London, respectively. To help him in finance career, he picked up CFA, FRM and CAIA certifications along the way. To sharpen his business and leadership skills, he was sent to leadership training at INSEAD.
Michel as the Chieft Transformation Office in Rabobank international Indonesia mandated to accelerate changes through 4 pillars which are business strategy transformation, process excellence improvement, digital & automation transformation as well as data & analytics creation. He works closely with the entire unit in the bank to make the bank to be more simple, nimble, flexible, agile and digital. His current focus is to significantly improve the bank’s operation effectiveness and efficiencies, transform into a data-driven organization and develop various new business strategy utilizing digital as one of the key differentiator.
Michel was the Chieft Transformation Office in Rabobank international Indonesia mandated to accelerate changes through 4 pillars which are business strategy transformation, process excellence improvement, digital & automation transformation as well as data & analytics creation. He worked closely with the entire unit in the bank to make the bank to be more simple, nimble, flexible, agile and digital. He is now the Chief Strategic Planning & Project Management Officer at Maybank, Indonesia.
Devabalan Theyventheran is currently the Head of Innovation in CIMB Fintech. He moved into this role in October 2017 to be part of a new division tasked to champion the digital aspirations of CIMB Group. Prior to this role, he was the Head of Group Information Services, responsible for the end-to-end IT application value chain for the entire Group. This encompassed a strategic regional portfolio covering enterprise architecture and solutioning, IT strategy blueprint, executing the Group’s IT strategic transformation programmes, and managing regional shared service centers that support and maintain the core IT applications across the region.
Dominic is the Managing Director and Senior Risk Manager with BNY Mellon for APAC. He has 20+ years of experience in banking, securities, assets management and consultancy. Dominic is a qualified accountant, fraud examiner and professional risk manager and did his MBA from University of Hull, UK. He is sought out speaker in risk management and provides training to the regulators, universities, financial institutions and professional bodies. He is the Founding Chairman of the Hong Kong Chapter of the Institute of
Operational Risk (IOR) and Asia Financial Risk Think Tank.
Ramesh Pillai is the Chairman of the Board of Governors of the International Institute of Enterprise Risk Practitioners (IERP) as well as being the Group Managing Director of Friday Concepts, an International ERM (Conventional and Islamic), BCM, Governance, Risk Management and Compliance boutique consultancy. He is currently a Director of three leading Financial Institutions and a former Director of one Developmental Financial Institution.
Mohammad Ridzuan Abdul Aziz is a serial speaker and the President of FinTech Association of Malaysia. Ridzuan joined Sedania As Salam Capital Sdn Bhd in 2017, a patented FinTech solution provider that utilizes mobile airtime as one of the commodities for Islamic funding with over 23 financial institutions in Malaysia. Under his visionary leadership, the company expanded its presence in the financial industry with the introduction of digital banking hub. He was also
included on the “Islamica 500” list of people to watch.
Kanags is the Head of Digital Banking for CIMB where he is leading a team of very passionate individuals in transforming the channel into the most preferred real estate serving CIMB’s customers. Kanags is a passionate fintech professional who operates at the confluence of design, business and technology with a broad skill set having operated across strategy, product management, operations and technology functions. Skilled at creative problem solving and in delivering rapid and sustainable impact, has a track record as a leader who thrives on inspiring and developing talent, driving change, and in bringing together cross-functional teams to launch
disruptive & innovative solutions.
Dennis Koh is the Head of Mobile and Digital Products in the Retail Digital Bank of United Overseas Bank (UOB). In this role, he manages a team of product owners that are tasked to re-define the customer experience across Internet Banking and Mobile platforms. Working closely with the UX, development and IT security teams, he is keen to provide the best user experience to UOB’s customers without compromising on security. Dennis has launched Mighty Pay, Mighty Secure, Apple Pay, Google Pay, Fitbit Pay and contactless ATM among many first in the market for UOB Singapore.
Kalyani Nair is the Head of Virtual Banking & Payments, Community Financial Services in Maybank Malaysia. She is responsible for all digital sales & service channels, including Online, Mobile, ATMs & Customer Care. Her team also manages customer service on social media, as well as the payments products of the firm such as QRPay. She is a strong advocate of innovation in digital banking and has pioneered a number of innovative, award-winning services in the online & mobile space. She is focused on accelerating digitization to transform the way customers engage with the bank. Kalyani graduated with a Masters in Corporate Communications and has
over a decade of experience in Digital Banking.
Azrul joined RHB Group in May 2017 to lead the Digital IT Delivery chapter under the newly formed Digital.RHB. He is responsible to set the technology vision of Digital. RHB and subsequently execute on that vision – by delivering quality, timely systems, apps and software. With close to 50 people under him with various specialty – apps developers, digital architects, business analysts and digital delivery managers – he is poised to deliver the best of digital banking to the world. Nowhere is this more prominent than the number of awards won by both the apps developed and the team itself. Prior to RHB, Azrul was the Enterprise Data Architect at Maybank where he worked on award winning Architecture Blueprints where he specializes in Regional Big Data and Analytics initiatives.
Laetitia Moncarz is a Director for Payments Markets with the ASEAN countries. Her main focus is on SWIFT’s strategic payments initiatives related to Correspondent Banking and Renminbi Internationalisation. Laetitia has undertaken various positions in the banking and consulting industries. Prior to join SWIFT, she was the Head of Correspondent Banking for Asia-Pacific at BNP Paribas.
Achalanka Dalawella is a Lean Certified Black Belt who has turned his passion and experience in process improvement to helping organizations effectively connect and align their operations to their overall strategy and road map. After having worked for major academic hospitals systems in the United States on Lean Implementation and targeted projects to reduce costs, increase productivity, customer experience and back office re-structuring using a customer centric, process driven approach, he came to Sri Lanka to offer the unique solutions the Sri Lankan private healthcare industry. After two years of impact in Agile Supply Chain development, productivity enhancement and service oriented process optimization Achalanka joined Sach Consultancy Group to offer the an integrated model of Process Improvement, Business Analytics and Machine Learning to a diverse set of industries including banking, manufacturing, retail and etc. Achalanka holds a BSc from Rutgers University, United States, Lean certification from GE Performance Solutions and a Lean Six Sigma certification from Villanova University, United States.
Mr. Sooriyaarachchi is currently working as Head of Risk Management of the Sri Lanka Savings Bank; a fully owned government bank and leader in Micro Financing of the Country. He has been instrumental in establishing Risk Management Division of the Bank through formulating Policies, Procedures and Risk Management Frame Works of the Bank on Credit, Market and Operational Risk Management. Mr. S A K A K Sooriyaarachchi possessed eighteen years of total executive and managerial experience in Banking, Risk Management, Finance and Research with post graduate qualification in Economics, Statistics and Accounting. He started his career at State Bank of India, Colombo as a graduate trainee in 2000 and from 2003 his experience was extended to Corporate Planning, Annual Budgeting, Performance Management, Research, Risk Management and Treasury Middle Office Functions at Seylan Bank Plc; a premier commercial of the country. He has double Masters MSC in Applied Statistics & Master of Economic both from the University of Colombo and Graduate in Economic from the University of Perdeniya.
Amran Hassan is the Head of Innovation at Maybank. He is responsible for raising the bar on innovation across the Maybank group. Amongst other programmes, he launched the regions first bank-run fintech accelerator program. Whilst keeping an eye on the latest developments in innovation and technology he continues to engage the eco-system to explore new ways for innovation to strive. He was formally the CIO for international operations at Maybank. Prior to Maybank, he was a Partner at Accenture, leading Technology Consulting in Malaysia and Infrastructure in South East Asia. He graduated from Imperial College, University of London. He was recently voted as one of the Top 200 Fintech Influencers in Asia by Fintech Asia / Lattice80.
Innovationist of Kaffeine Labs by Nations Trust Bank PLC which is Sri Lanka’s first Innovation lab in financial sector and a council member of Sri Lanka Association of Artificial Intelligence (SLAAI). Former chairman of Council for Industrial Application of Artificial Intelligence (CIAI) and currently working as the Secretary of CIAI of SLAAI. An entrepreneur of MIT – Massachusetts Institute of Technology Global Startup Labs.
Nissanka is passionate about building banks of the future with fintech innovation capturing the possibilities emerging from the convergence of AI, big data and experience design to bring financial inclusion for 2 billion unbanked and underbanked people globally who don’t have access to financial services. He has designed and co-developed DEX, a fintech product to digitise the communication between customers and back office teams leveraging chatbot technology to introduce cognitive automation in banks. The product has reduced calls, improved conversion rate, brought in new customer insights and enabled digitisation of other key adjacent manual processes. Nissanka brings to the table insights gained from his cross industry consulting experience intersecting technology, design and innovation enriched with senior leadership experience as a former banking sector CIO and Head of IBM Services to help business leaders to define and communicate their digital transformation vision to technical and operations teams working in multiple global locations to execute programs of change.
Mrs. Fernando was appointed as the Director/CEO of Nations Trust Bank PLC on 15 September 2012. She joined the Bank in September, 2001 as AGM-Corporate Financial Solutions and thereafter held the positions of DGM-Retail Banking and DGM-Consumer Banking. In June, 2011 she was appointed as the Deputy CEO of the Bank. Prior to joining the Bank she was with ABN AMRO Bank N.V, Sri Lanka, where she held the positions of Vice President/ Head-Global Transactional Services and Head of Consumer Banking. During her banking carrier spanning 36 years, Mrs. Fernando has also worked at Banque Indosuez, Sri Lanka Branch and Nederlandsche Middenstands Bank – Hong Kong Branch, Mrs. Fernando is an Associate of the Chartered Institute of Bankers, UK and an AMP Graduate of the Harvard Business School. She also currently holds the positions of Chairperson – Sri Lanka Banks’ Association (Guarantee) Limited and Chairperson – The Financial Ombudsman Sri Lanka (Guarantee) Limited.
Rohan Muttiah is the Chief Operating Officer at Cargills Bank Limited. He has a wealth of experience spanning 37 years working across 4 countries including 18 years in Australia. Rohan is the founding Chairperson of the Banks’ CIO Forum, and a past Chairperson of the Lanka SWIFT User Group. He is also a past Director of Lanka Financial Services Bureau Limited, and a past Alternate Director of the Credit Information Bureau. He was a member of the Procurement Committee for selecting the Lanka Pay National Payment Switch. Rohan was a key partner in developing the Baseline Security Standard, and the Cloud Adoption Guidelines for the Banking Sector. Prior to joining Cargills Bank Rohan worked at NDB Bank, Commercial Bank of Ceylon, and John Keells Holdings.
Sahil Gupta is the ASEAN Fintech Manager at EY covering emerging technology and business models in financial services across ASEAN. Sahil has more than 7 years of work experience in the Transaction Banking and Payments domain. Prior to EY, Sahil was a Senior Functional Analyst at Deutsche Bank working on the integration of banking systems with faster payments systems in India (UPI), Hong Kong (FPS) and Europe (SEPA). Sahil has also worked in BNP Paribas and Citi across Payments, Receivables and Client Channels domains. He holds an MBA from National University of Singapore.
Seshika heads the financial solutions team at WSO2 where she builds financial industry-specific solutions using WSO2’s middleware platform. She also works closely with potential customers looking to deploy a financial solution, providing ongoing consulting. Throughout her career, she has had extensive experience in providing technology for investment banks, regulators and stock exchanges from across the globe.
Aidil is a financial technology executive who believes in leveraging data as a way to disrupt the delivery of banking and financial services products and services to the emerging markets of Southeast Asia. He believes that banking and financial services model will eventually be unbundled so that consumers will enjoy a more cost-effective, efficient and transparent financial experience.
Hendro has more than 15 years of professional experience in the area of product development, wealth management and technology. His main industry knowledge is in technology consulting and banking. He has developed world-class wealth management platform for Indonesia-based consulting company and used by more than 8000+ branches in ASEAN region. He’s a recreational runner with passion in digital technology and credit union.
Dr. Amiruddin has over 25 years of banking experience and is a serial entrepreneur with a passion for education, social entrepreneurship and philanthropy. During his banking career, Amir held senior management positions in international banks in Capital Markets, Investment Banking and Wealth Management divisions in Singapore and Jakarta at SMBC, Deutsche Bank, Nomura, and AAA Securities. Amir’s own academic journey reflects his commitment to education and life-long learning across 3 continents, 3 decades, and encompassing 2 full international scholarships and 3 post-graduate degrees (Masters in Economics, Business Research and a Doctorate in Business Administration) from the University of Western Australia, Erasmus University Rotterdam and UWC Atlantic College UK. Amir’s solution, an online media aggregator for the millennial and early-childhood education. Amir is also the Chairman of Pascal Montessori in Bandung, on the Board of Advisors to UWC’s National Committee for Indonesia and the father of 3 young men. Amir was a co-founder of and sits on the Board of Trustees for Ksatria Airlangga Foundation, a floating hospital that provides free medical services and surgeries to the underserved population of remote islands in the eastern Indonesia. The floating hospital was dispatched to Lombok and Palu-Donggala in 2018 to provide relief following the August and September earthquake respectively.
Citra Paramita is currently Senior Vice President – Digital Business Head for Commonwealth bank Indonesia, responsible for Digital Business acquisition, portfolio management, and developing digital ecosystem through partnership. Before joining Commonwealth bank in 2014, she worked in Citibank N.A for 13 years with her last position as Vice President – Strategic Management Head. She has over 17 years experience in sales and marketing strategy development, banking system development, analytics and digital in banking industry. She led integrated banking system enhancement project implementation in Citibank Indonesia and Citibank Hong Kong. She also successfully developed telesales automation system, developed new credit card product/channel and developed analytics and digital capability in banking industry. Citra holds Bachelor of Science in Industrial Engineering from University of Indonesia and Master of Management in Business Management from Prasetya Mulya Business School. In 2013, She was selected as Top 3 – Indonesia Young Woman Future Business Leader from SWA Magazine.
Shafique Dawood is a 16 year technology veteran who received his Bachelor of Computing from National University of Singapore and graduated magna cum laude before pursuing his Masters of Technology 2 years later in which he was awarded the Deans List. He is forward thinking and is a subject matter expert in National Security and Intelligence having worked with companies such as BAE Systems and many government agencies throughout Asia Pacific. Shafique is committed to educating the next generation of technologists in both the areas of National Security and Intelligence along with Digital Transformation in Banking. He embraces forward-thinking and mission-critical oriented applications that will serve in the next generation of Cyber Security on all levels ranging from a National Security mid-space level of protection, Counter Terrorism Financing to FinTech and cryptocurrency. His personal interests range from inter-Aseanic regulatory frameworks and seeking to improve bilateral cooperation between nations and reducing friction whilst seeking a consortium based approach to FinTech and banking as a whole. He is consulted by many global banks and universities on matters of Digital Transformation and now heads up the whole of Asia for Threatmetrix, the Digital Identity Company which prevents financial fraud through its Digital Intelligence Network using a unique method of Risk Based Authentication and has been independently called a sole leader by Forrester Wave and many other distinguished awards held.
Emma Cabochan handles all legal documentation and non-litigation legal matters of the bank, including regulatory compliance related to data protection. Prior to joining Asia United Bank, she has worked in several reputable law firms in the Philippines, concentrating her practice in Project Finance, Banking and Corporate Law.
Mr. Delos Reyes has more than 21 years of work experience in engineering, general banking, investment banking, treasury, financial markets, marketing, information technology and project management, mostly with DBP. He is currently the head of the ICT Planning and Project Management but previously held positions in Property Appraisal, FX Trading, Product Development, Treasury Marketing, Fixed Income Trading and Capital Markets. Mr. delos Reyes is a graduate of University of the Philippines, with a Bachelor of Science in Civil Engineering. He took his post graduate studies in Niigata, Japan at the International University of Japan with an Master of Arts in Economics where he received Certificates of Distinguished Service as the President of the Graduate Students Organization and as International Relations Councilor. He is a licensed civil engineer, Certified Treasury Professional, Certified Fixed Income Market Salesman, Certified Securities Representative, Certified Project Management Professional and ITIL Certified.
Gerry is from the school of design in New York. She moved back to the Philippines in 2017 to rebrand Security Bank. In her success, she has set up the Security Bank’s e-commerce.
Sriram leads Digital Servicing for Standard Chartered’s Consumer Banking Globally. In this role, he is responsible for driving a suite of initiatives to bring complex customer service issues to the Digital Era, as well as driving resultant operating efficiencies. He is a veteran Digital Banker with experience in leading Global Consumer Banks such as Citi & HSBC, Sriram is passionate about the power of Digital in bringing transformational customer experience and step-changes in business models. In prior roles, Sriram headed the Digital Platform & Channel Operations at HSBC. He was also driving Digital Engagement and the regional Digital COE for Citibank Asia Pacific Consumer. Sriram has extensive experience across Asia, with stints in Japan, Vietnam, Hong Kong and Singapore.
Atty. Marianne M. Guerrero (“Ianne”) has had almost thirty years experience as both practicing lawyer and as General Counsel in various companies such as United Overseas bank and SM Investments Corporation. She was listed as among the top 500 General Counsel in Southeast Asia 2017 by the by the GC Powerlist Publication. She has conducted lectures related to legal risk and compliance both here and abroad.
Paolo J. Baltao, Senior Vice President of Union Bank of the Philippines, heads the EON Banking Group. EON is the first fully digital, award-winning neo banking platform in the Philippines. Through its focus on users’ security and convenience, EON has become a partner of choice to communities requiring innovative banking solutions. Paolo was the President of G-Xchange, Inc., a wholly-owned subsidiary of Globe Telecom which operates and manages its m-commerce product, GCash. With almost 3 decades of experience in product management and business development, Paolo champions the digital banking revolution.
Sheryl Fernando was given the leadership Award of Leading Business Management Support and Strategic Change by JP Morgan Chase. She is the team lead of Migration of New Process in Financial Reporting for JP Morgan Chase Mumbai India. She formerly was attached with P Morgan Chase & Co. as a fund accounting specialist, Metropolitan Bank & Trust Co. as a business banking specialist and East West Banking Corporation as a payment specialist.
He currently heads the Card and Electronic Banking Group where he oversees the conceptualization, development, implementation, marketing, and management of LANDBANK’s electronic banking, debit and credit cards, and other alternative products and service delivery channels. Before his assumption as CEBG Head, Randy was the Head of the IT Project Management Office, where he spearheaded the establishment and implementation of a consistent and superior approach to project management.
Raffie led a platform provider MatchMove, one of Singapore’s fintech digital money mover. As a country manager she led the team of sales, operations, tech and customer delivery. She was also responsible for actively promoting products and services that are customer-oriented business models. Prior to this role, she was part of the driven local team of Visa Philippines handling global and local bank partners driving card issuance, product development, acquiring and operational efficiencies. Her vast experience in project management with Citi paved way to her leading the Non-traditional business of BDO heading the early digital projects for Consumer Lending Group. She first launched the country’s first e-Commerce platform in the banking industry. Currently she manages her own venture to broaden the acquiring landscape by introducing new technologies in the market.
Jids is a banker, an innovator and a leader. Started his career in Philippine Savings Bank focusing on delivering solutions for digital banking and innovations. He’s currently working as a Head of Systems Development for Digital Channels for EastWest Banking Corporation and one of the key person in driving the Bank’s Digital strategy especially projects related to payments and financial inclusion. Some of his claims are the implementation of ATM cardless transaction for EastWest Bank in 2016, first to implement Pesonet via API in the Philippines and implemented the first Cash Recycling Machine in the Philippines.
Fandhy has more than 20 years of career experience in the areas of Internal Audit, Governance and Risk Management & CyberSecurity. He is now working as Head of Internal Audit at PT. Bank Resona Perdania. As a professional, he has 11 prestigious professional certifications including Certified Information System Auditor (CISA), Certified in Risk and Information System Control (CRISC), Certified Information Systems (CISM) from ISACA, Certified Internal Auditor (CIA), and Risk Management Certified Assurance (CRMA), Certification in Self-Assessment Control (CCSA) from IIA, and Certified Information System Security Professional (CISSP) from ISC2.
Peter is the Head of Digital Banking at PT Bank Tabungan Pensiunan Nasional “BTPN”. He was hired to build BTPN’s “stand-alone” digital bank, Jenius, which was launched to market in Indonesia in August 2016. Jenius has proven very popular with its target segment—the mass affluent, digitally savvy—and Peter’s focus is now on scaling this new offering rapidly. Prior to joining BTPN, Peter started his career at McKinsey & Company, where he spent almost 10 years advising clients across Europe, North America, Southeast Asia and Africa, especially on financial services and IT topics. He subsequently became COO at VPBank in Vietnam, before briefly running a digital banking start-up in Saigon. Peter graduated from Pembroke College, Cambridge University, in 2003, having read Mathematics, and also holds an MSc in Computer Science from the University of Twente in the Netherlands.
Chandralal Wickramapathirana is currently working as the Head of Technology Transformation at Bank of Ceylon, Sri Lanka’s largest licensed commercial bank. As an IT Professional he counts over 25 years of experience in IT Leadership and Digital Transformation. He has held several IT management positions in banking & finance and other diverse business sectors. Prior to his current appointment, Chandralal was the Chief Information Officer at a Sri Lankan commercial bank. He has previously served as the Chief Executive Officer for a Software/Solutions company and as the Group IT Director for a large Colombo based conglomerate too.
Currently, building MYMY, an ASEAN-based Fintech focused on digitising payments and financial Inclusion which is headquartered in Malaysia, Jenna specialises in regulated tech and is a Fintech & Innovation expert. She was also named as one of the Top 14 Fintech Influencer in Malaysia & Top 100 Women in Fintech (Global), Jenna has experience in Entrepreneurship experience & has been sharing her experience as a Speaker (Global) (Eg: Silicon Valley & Most recent IMLC 2018) Jenna was from the Fintech team in MDEC (Malaysia Digital Economy Corporation), building the fintech ecosystem in Malaysia working with experts, regulators, financial institutions, accelerator, investors, startups/scaleups and academic institutions. She was an Advocate and Solicitor (Partner) previously with experience of running a law firm such as in the fields of corporate, litigation, human rights and family law. She has also dabbled into the startup field and project management to understand the bridge between the tech world, legal arena and lawtech.
Sonny is a seasoned professional whose previous experience has been assigned to various Pricing and Data analytics initiatives in Asia, Europe and North America. These include leading transformations to optimize existing or newly established departments, which focuses on developing People, Process and System. Sonny’s past engagement with pricing analytical tools include utilizing predictive analytics and machine learning to improve revenue and profitability. Sonny has worked for large MNCs including Parker Hannifin and Luvata, following this he worked as a Consultant at Virrata. Sonny returned to Indonesia in June 2019 after spending 20 years living and working in the UK. His current responsibility at Maybank Indonesia includes initiating and establishing a PDA (Pricing and Data Analytics) Division.
With more than 15 years in banking, Aizuddin Danian has been at the heart of digital tech and media convergence. He believes that innovation is the key for progress, in banking and any other part of life. Innovation is little more than doing things slightly better, every single day.
Roberto has over 20 years of experience in complex transformation initiatives for large organizations. He has worked in over different countries across 3 major regions in the areas of Credit and Risk Management, Operations Excellence, Digital Transformation and Data Strategy Management. He is currently part of the Retail Risk Management team for Citibank, where he currently leads the introduction of CECL, currently the most important risk reporting regulatory initiative in the financial services industry.
Vrinda is a banking professional who started her career in IT Consulting. She works with AmBank as Head of Digital Business. In the former portfolio, she is responsible for all large technology projects of the bank and in the latter, she drives digitalization of the bank, especially in Consumer Internet Banking via AmOnline. She has lived in Malaysia for about 9 years since she started working first at CIMB and then later at AmBank. She was exposed to Lean Six Sigma as a vendor first, as part of Quality Consulting and again more directly when she held the position of Head, Group Operations at CIMB, responsible for driving cost efficiencies and quality improvement. She continued to draw inspiration and see relevance of Lean Six Sigma in every portfolio she has held since her initial experience with the method, twenty years ago.
As Head of Payments and Cash Management, Amol is responsible for Wholesale Payments, Cash and Liquidity Management solutions. Furthermore, he also heads E-commerce and Physical Acquiring business for GREs, Corporates, Commercial and Financial Institutions. Under his leadership, Commercial Bank of Dubai has developed several capabilities and many new to the country to facilitate and optimize corporate and institutional clients’ treasury and payments. In this role, Amol carries full P&L responsibility and accountability for end-to-end business, and product related governance and regulatory responsibilities. With nearly 22 years of professional experience in managing relationship building functions, including over 14 years in delivering significant growth in payments, cash and liquidity management across diverse customer segments. Amol having held several positions across South Asia and the Middle East has been instrumental in the strategic development and growth of the bank’s cash management proposition. Under Amol’s leadership, Commercial Bank of Dubai has won several awards including: Best Cash Management Bank in 2017 and 2018 from Banker Middle East and Best Online Cash Management in 2018 from Global Finance World’s Best Digital Bank Awards and Excellence in Payments from Finnovex Middle East Awards in 2019. He was the driving force behind publishing a Treasury and Cash Management Best Practice Handbook, first in the country.
A passionate technologist working on Mobile Money, Digital Payments and Digitization. Having worked in Leading telecom operator, Banks and Technology provider for over 12 years, I have developed my expertise for empowering people of Pakistan through Financial Inclusion and digitization. Leading the innovation by developing people-centric and user friendly digital solutions. Experienced in launching digital financial services along with having people leadership, developing strategy, developing products for highly competitive markets like Pakistan. A highly diversified experience, with two complete launch experiences of branchless banking portfolios and a wide range of synergy management across the banked and the unbanked segment of the country. Coordination among all the stakeholders of the industry including competitors, facilitators, donors and regulators etc remains one of the main strengths I have in this field. Expertise in management of multiple sales channels including the self owned, third party and aggregator based model for running financial services across country. Highly capable of managing developments related to financial switches, core banking and branchless banking systems including inov8, SAP and Fundamo. Product development, product pricing, product promotion, access channel management, Sales channel management, creating partnerships and synergies along with working on first in the industry, many to many models provides me with the distinction in my career.
Sandeep heads the DBS Innovation Group (DIG) in India. In this capacity he works closely with the regional team to build a culture of innovation and experimentation within the teams at DBS India. Sandeep brings over 19 years of experience in consulting, operations, project management, business development and venture capital. In the past Sandeep has been an entrepreneur as well as help leadership positions with companies both in India and abroad. He was most recently the Regional Manager – Asia at Ennovent, an impact focused innovation company and prior to that he was Country Head(India) for ALTIS, European center for impact entrepreneurship and sustainability. Sandeep holds a MBA from University Cattolica del Sacro Cuore, Milan, Italy and a BA(Hons) from University of Huddersfield U.K.
Attained the Master’s degree and Doctor of Philosophy (Ph.D.) in Information Science and Control Engineering from Nagaoka University of Technology, Japan. I love generating ideas, building practically useful products and knowledge sharing. I am an enthusiast of new technologies, especially those related to information retrieval, machine learning, and big data analytics. I have more than 20 years of working experience in Software Development and Information Technology, across multiple industry segments – Publication, Advertisement, Market Expansion Services, Software Services, Education, Research & Development and Banking. I have been lead on a wide range of high-impact projects, resulting in 4 patents, with another 3 pending. I am currently involved in several big data and machine learning projects and is appointed as external supervisor for some undergraduate and postgraduate students.
Ariadi Nugroho is the Head of IT Strategy and Planning at BTPN. During his tenure at BTPN, Ariadi oversaw digital transformation initiatives in BTPN IT across technology, process and organization. In addition, Ariadi is in charge of technology delivery of a new digital product innovation based on mobility. Prior to this role, Ariadi was a technology strategist at Accenture, where he advised clients from financial services industry on IT strategic agendas. Before relocating to Indonesia, Ariadi spent over nine years in the Netherlands. He was a research consultant at the Software Improvement Group (SIG) and Logica (now CGI). Ariadi holds a PhD degree in software engineering from Leiden University, the Netherlands.
Dmitry possess 15 years progressive experience in retail banking & product development, agile product management, product service design, web & mobile app development. Passionate about the fusion of traditional & digital banking. Held different position in Raiffeisenbank, Swedbank, HSBC in product development and sales management. Since 2011 is involved in different fintech initiatives. As a product lead managed new product line development for spin of of major telecom operator in Russia. As a country manager Ferratum, led development of one of the worlds mobile microlending leaders in Russia. In 2014 joined VPBank, Vietnam. As head of lending products played important role in rapid transformation of the bank. In January 2017 took forward the initiative of building new innovation center of the bank – Digital Factory. Digital Factory is an Innovation Centre that serves as incubator and accelerator for new ideas and services of one of the top financial institutions in Vietnam. It is a center of excellence that has a target of incubating VPBank’s cultural transformation towards digitization through an ‘internal startup’ model.
Vishal is driven by growth loves removing obstacles & making things happen! Vishal’s enthusiasm & commitment is to find unique solutions to unlock business potential, develop and position its growth to the next level. He focuses on turning risk volatility into opportunities with over 20+ years of career as a financial expert and entrepreneur, Vishal has worked in several executive functions in large Corporations, within a strong multinational environment: 6 years in India, 9 years in Estonia, and 2 years in Singapore, currently 5+ in Indonesia. In addition, work related experience in Africa.
Roger currently heads Transaction Banking for Standard Chartered Sri Lanka. He is a member of the bank’s Executive Committee and is responsible for strategy formulation and execution of Trade Finance, Cash Management and Custody Services. He has been instrumental in expanding the Transaction Banking business and introducing a number of value added capabilities including digital transactions and supply chain finance platforms. Roger has over 20 years of experience in Banking and Finance, and holds a Master’s degree in Business Administration from the University of Southern Queensland and is also a Postgraduate Member of the Chartered Institute of Marketing (U.K.).
Antonius is the Director of Compliance and Risk Management of Panin Bank. He has a Masters in Business Law as well as a Masters in Public Notary.
Jessica is a Board Member of the FinTech Association of Hong Kong (FTAHK), an independent association of members who are representing Hong Kong’s fintech community globally. Jessica is the Group Head of Strategy at WeLab – a leading fintech company in Asia with one of the first virtual banks established in Hong Kong. Jessica drives the group’s overall strategy which includes spearheading the rollout of the WeLab virtual bank. Prior to joining WeLab, Jessica spent over 12 years at Goldman Sachs in the areas of Investment Banking as well as Private Wealth Management.
15 years experiences in banking technology, especially in banking e-Channel, digital banking, and service oriented architecture (SOA) and API Management.
Has over 18 years of experience in financial institutions. He has worked the areas of IT, Strategic Performance, and amongst key member of Digital Transformation and Data Strategy Management project. He is currently oversee IT Division, where he currently leads the Information Technology Initiatives in the Bank.
More than 20 years’ experience in banking industries and an expert in Trade Finance (Structured Trade) and Supply Chain for Corporate, Commercial and SME (Sales, Product and Operation.
15 years’ experience in capital market & financial planner.
Vishal Tulsian is the founder of first fintech in Indonesia – Tunaiku. He is also the President Director of a commercial bank – PT Bank Amar Indonesia. He is a keynote speaker and author. Vishal is an MBA, Chartered Accountant, and Harvard Alumni. The bank recently awarded as TOP BANK 2019 by Top Business Magazine, and Bank with Healthy Predicate at 24th Infobank Awards.
Boost is a homegrown lifestyle e-wallet that aims to revolutionise the way consumers transact on a daily basis. Combining lifestyle needs and cutting edge digital technology, Boost strives to make transactions easier, faster, more secure & overall a more rewarding experience for consumers. Boost allows users to pay via their mobile phone at participating locations without the hassle of using physical cash or cards. More than 4.4 million Boost users can now pay at over 90,000 merchant nationwide. Key features include, among others, instant rewards through our signature “Shake” feature; paying utility bills with partners such as Telekom Malaysia, Astro and Syabas; paying for on-street parking in selected areas; booking and buying public transport rides on KLIA Ekspress, KTM intercity, EzCab, CatchThatBus and Firefly; cashless donations to charity organizations; buying and gifting digital vouchers for online and offline merchants; splitting bills; free money transfers; and food delivery through DeliverEat.
Lend.In is Kuliza’s flagship lending product, a new-age lending system for banks and lending institutions to increase the overall efficiencies while decreasing the cost and go-to-market time for customers. Lend.In has enabled digital loan journeys for many NBFCs like Aditya Birla Finance Limited, Svakarma Finance and Magma Finance in India and has implemented digital solutions to global financial institutions like Standard Chartered, Singapore and FE Credit in Vietnam.