JPMorgan, ICBC and Bank of America led global corporate, investment and wholesale banking revenue in FY2024, underscoring a competitive shift as institutions prioritise growth, efficiency and innovation to redefine global banking leadership.
JPMorgan, ICBC and Bank of America led global corporate, investment and wholesale banking revenue in FY2024, underscoring a competitive shift as institutions prioritise growth, efficiency and innovation to redefine global banking leadership.
Kotak Mahindra Bank is the most profitable bank in India, while State Bank of India reports the largest net profit. Indian banks place fourth globally in net profit share, surpassing France.
Chinese banks dominate the world’s top 10 banks by net profit, but their profit growth lagged behind US and UK banks, mainly due to rate cuts, narrowing profit margins.
The Middle East and Africa lead in bank profitability, benefiting from considerable non-interest-bearing deposits and elevated oil prices in the Middle East, along with high interest rates and foreign exchange gains in Africa, according to the TAB Global 1000 Strongest Banks Ranking.
Bank boards globally lack enough technology experts to influence strategy decisions, though North American banks are better at integrating such experts into their boards
From 2019 to 2023, the share of consumer finance relative to total retail lending declined in Hong Kong and South Korea, but increased significantly in the Philippines.
South American banks led with the highest average loan-to-deposit ratio at 109%, followed by Europe at 96%, with around 50% of South American and 42% of European banks with ratios exceeding 100%
Philippine digital banks saw rapid growth in 2023 alongside mounting concerns over credit quality as gross NPL ratios soared
Rising borrowing costs, reduced demand, and stringent credit barriers have dampened growth prospects, and these factors are unlikely to shift given the current economic climate
In 2023, China’s domestic systemically important banks grew to 20, led by China Merchants Bank in the TAB Global 1000 World’s Strongest Banks 2023 ranking, but some still require more capital despite improved capital ratios
While India led in fintech funding between 2020 and 2022, Singapore outpaced India in the first half of 2023, driven by the digital lending and insurtech segments
Despite efforts to cap financial sector pay, 17 out of the 25 largest commercial banks in China saw a rise in average remuneration for their directors, supervisors and other senior executives in 2022
Softening bank loan growth in some markets but Asia Pacific expected to sustain momentum in 2023 with post-COVID-19 recovery in China boosting lending demand
Regulators in African countries are exploring the role of open banking in financial services. This push is reflected by the diverse opportunities that open banking can provide to financial services and end-customers.
Alternative credit is flourishing in Thailand as big technology platforms fill in the lending gaps left by traditional financial institutions. Known for fast and efficient end-to-end services, these challengers are drawn to the country because of the large market for unsecured lending and higher profit potential.
The rapid digitalisation of MSMEs, emergence of new digital-native business models and niche segments have become a key focus area for financial technology companies to serve.
Banks have not experienced a significant deterioration in asset quality of their MSME exposure, supported by various policy measures. An uptick in the non-performing small business loans is expected with the expiry of these measures.
The weak sales growth for this year’s Double 11 shopping festival was largely driven by the depressed consumer sentiment and logistical disruptions under the zero-COVID policy, along with the regulatory scrutiny.
DBS CEO Piyush Gupta, Public Bank CEO Tay Ah Lek and UOB CEO Wee Ee Cheong are the top three highest-paid bank chief executives in Asia Pacific in FY 2021. The combined total remuneration eared by the top ten reached $56.5 million in FY 2021, up from $53.6 million in FY 2020
Despite the impressive figures, the banking industry has been slow in partnering with the United Nations Environment Programme Finance Initiative to set, implement and achieve its sustainability goals. The industry’s response to the climate change crisis is neither proactive nor pre-emptive. The vast majority of the estimated 25,000 licensed banks remain outside.
Tay Ah Lek saw a 6.5% rise in total remuneration to $9.2 million in 2020 despite the pandemic, which was 250 times the average pay Public Bank’s employees received.
Indian banks still dominate the list of the top 10 banks with the highest nonperforming loan (NPL)ratio among the 500 largest banks in Asia Pacific, despite the improved asset quality. In addition, the list also includes two banks from Bangladesh and one each from China, Japan, and Pakistan.
Some countries in Asia Pacific posted stronger growth in bank lending to small businesses between 2019 and 2021 as compared to the period from 2017 to 2019
Qatar Islamic Bank is the most efficient bank in the Middle East and Africa, emerging first among the largest 100 banks in the MEA 200 rankings in 2021. Notably, five of the 10 banks on the list are Qatar banks due to their emphasis on digital transformation.
Hong Kong's banking industry has remained resilient amid the pandemic, and its retail banking sector is expected to grow slowly but steadily until 2023.
All the top 10 most efficient banks in Asia Pacific are from China. Bank of Shanghai is the most efficient in the region, followed closely by Bank of Tianjing and, Bank of Beijing.
Banks in most Asian markets booked lower provisions to cover potential loan losses as economies recover, which has contributed to the improved profitability in 1H 2021
Ethereum, Terra and Binance Smart Chain (BSC), the top three largest DeFi blockchain networks, represented 76.5% of all DeFi activity. Ethereum is facing stiff competition from other DeFi blockchains and is moving to Ethereum 2.0.
China is cracking down on big techs’ monopoly in financial data to curb abuses of power and protect consumers’ privacy, according to the country’s banking and insurance watchdog.
In the recently released Global Fintech Hub Report 2021, Beijing was named the best fintech hub, followed by San Francisco, New York, Shanghai, Shenzhen, and London.
The number of unicorns has increased dramatically amid a surge in venture capital investments, making 2021 a record year for privately held startup companies achieving unicorn status.
China’s pilot of the central bank digital currency has made promising progress. However, the digital RMB system collects and shares less transaction information than traditional electronic payments according to a PBOC digital RMB white paper.
In June 2021, Chinese ride hailing giant Didi and digital freight platform Full Truck Alliance made their debuts in the US amid the volatile initial public offering (IPO) environment.
Some companies have acquired cryptocurrencies for their corporate treasuries despite the volatility. MicroStrategy, the public company that holds the most bitcoin on the balance sheet, remains bullish on bitcoin.
Standard Bank of South Africa gained market share in home loans, while FirstRand Bank only grew its home loans by 0.2%
Crypto markets have seen recent spikes and increased volatility as more mainstream companies and speculators continue to join the digital asset trading and investment bandwagon. The impressive rise of other cryptocurrencies beside Bitcoin has dented its market dominance.
Chinese banks well positioned on this year’s strongest banks ranking while performance varied by categories
Provincial banks accounted 9 out of 10 on the list
The COVID-19 pandemic has exerted substantial impact on the profitability of banks in Asia Pacific, although most are better positioned to weather this crisis than during the global financial crisis
In addition to leading their institutions to support customers and communities, some bank bosses are also taking pay cuts or making charitable donations to support the fight against the COVID-19
Digital banks in Asia Pacific witnessed improving overall profitability in FY2019. Although some digital banks’ net profit in FY2020 has been affected by COVID-19 pandemic, their growth outlook remains optimistic.
The US Net International Investment Position (NIIP) has posted a deteriorating trend for over a decade now, raising concerns of the financial condition and creditworthiness of the US as a habitual debtor nation
Countries are eager to strike a balance between mitigating the economic damage from lockdowns and keeping the coronavirus outbreak under control.
With the COVID-19 pandemic in full swing, many people are staying at home and doing their shopping through mobile phones and computers. As a result, e-commerce and cashless payments have seen growth and spread further across different markets.
The hiring activity in the banking and financial services market will be driven by factors such as continuous digital transformation, new regulations and the issuance of digital banking licences
The market for charitable giving is evolving like other forms of commerce and establishing a firm digital presence
Vietnam is likely to emerge as a significant consumer-driven market, placing it in the Asian consuming class of Indonesia and the Philippines with a gross domestic product (GDP) per capita between $2,800-$3,500 by 2020, in which mass automobile ownership takes off.
Big four banks to tidy up various messes coming from renewed pressure from regulators
ING and Suncorp emerge as victors from the fallout in regards to net promoter score while smaller banks are in danger to lose the most with the entry of new players in the market.
Australian households are struggling with the record amount of outstanding debt, and the sliding housing market fuels concerns over shrinking economic growth in the country. In addition, the rapid build-up of household debt in China continues to attract attention
Asian stock markets attracted less investible funds in 2018 and more went into bond markets, banking institutions and managed funds
Overall economic growth prospects for the Africa region are favourable. Most banks will raise capital base and maintain stable profitability, but weak asset quality will remain a key concern
In the Asia Pacific region, skilled and experienced tech professionalsand regulatory compliance specialists will find themselves well-positioned in the banking and financial services market
These are the leading countries where new payment options are creating new opportunities and disrupting the incumbents
Retail banking sector has been the main growth driver for Indian banking sector during the past few years, as banks’ exposure to corporate banking sector has been reduced due to bad loans problems. Their retail lending has grown at a compound annual growth rate (CAGR) of 16.2% over the FY2013 to FY2018 period, making India's retail banking one of the biggest among emerging markets.
As the race towards digitalisation intensifies, the relationship between banks and “big tech” companies is increasingly marked by collaboration and synergy, not just competition
Chinese banks’ mortgage loan growth dropped the most in 2017 and will continue to be affected by property cooling measures and relatively tight liquidity conditions. Hong Kong banks’ mortgage loan growth, on the other hand, increased, but they are not expected to maintain it due to tough operating conditions.
Technological disruption is reshaping the payment landscape, creating a tight mobile wallet business environment. Banks must reshape their strategies that will help enhance their competitiveness in this market.
Digital-only banks pose serious challenges to the traditional financial services industry with their entirely new banking experience. However, for most of them, licensing, scale and profitability are the three key issues they must face going forward.
Household indebtedness has been on the rise, which is putting future economic growth and financial stability in jeopardy. Thus, many central banks have unveiled measures to curb high household debt. In Asia Pacific, Australia and South Korea are facing the most serious household debt problems.
Increased utilisation of financial technology is setting the stage for further digitisation of the Philippine’s consumer banking industry, which is slowly transitioning into a “cash-lite” economy.
The Top 100 banks in consumer banking in Asia Pacific, the Middle East and Africa is the result of The Asian Banker International Excellence in Retail Financial Services Programme, the most rigorous, prestigious and transparent audit programme for consumer banking.
Piyush Gupta, chief executive officer of DBS Singapore, received the highest remuneration among bank CEOs in the Asia Pacific region in 2016, while top executives of many Chinese banks had high reductions in their compensations.
Brian Lo is a seasoned risk professional with nearly 30 years of experience across global financial institutions. Based in Hong Kong and Singapore, he has led teams in managing market and liquidity risk, counterparty risk, and asset and liability management. His expertise encompasses quantitative modelling, risk governance, stress testing, and regulatory compliance. Brian has also played a critical role in developing internal risk models, driving strategic initiatives, and advising on cutting-edge risk solutions, including AI and machine learning applications. Throughout his career, he has served on multiple risk committees, providing strategic insights to senior management and boards, and has been instrumental in implementing Basel reforms and risk management innovations. Brian’s approach integrates deep technical knowledge with practical leadership, making him a valuable contributor to banking risk management education and practice.
Urs Bolt is a seasoned professional with over 35 years of expertise in wealth management, investment banking, and technology. He helps individuals achieve financial well-being and advises senior leaders in financial services and technology on refining business strategies, developing markets, and forging impactful partnerships. Recognised as a global thought leader in digital banking, WealthTech, and decentralised finance, Urs is an active speaker, author, and jury member for esteemed awards and panels. A passionate advocate for sustainable progress, he champions energy policies that balance economic growth and ecological preservation through scientific solutions.
Sina is Chief Data Officer at Unique AG – a rising European startup providing a GenAI-driven platform called Unique.AI to better understand customers and build more meaningful client relationships. Unique.AI is a tailored solution for the financial industry that aims to increase productivity by automating manual workload through AI and ChatGPT solutions.
Sina is a proven GenAI and data transformation specialist for financial applications with over 20 years of experience. Before Unique AG, Sina led data strategy projects at Credit Suisse AG and worked as a consultant at Accenture AG. She lectures on GenAI, AI Governance, and Data Protection at top universities like HSG St. Gallen and HEC Paris, inspiring future tech leaders. Sina also mentors startups on GenAI applications and serves on the ISO expert council in Switzerland. She was recently honored with the “Women in Banking and Fintech 2024” award for her Thought Leadership on Data Protection and AI Governance for GenAI applications for Financial Services by Handelsblatt (#1 business newspaper in Germany). Sina holds a PhD in Financial Modeling from the University of St. Gallen (HSG, Switzerland) and a Diploma in Economics from the University of Mannheim (Germany).
John Januszczak is a seasoned fintech leader and the President & CEO of UBX Philippines, the fintech venture studio and fund of Union Bank of the Philippines. He was appointed to this role after joining UnionBank as a Consultant in 2018. Prior to this, he served as the Chief Operating Officer of Manulife Philippines and held leadership roles such as Head of Global Business Process Management at Manulife Financial and Vice President of Product Management at Meta Software Corporation. His extensive experience in operations, technology, and financial services has positioned him as a key driver of digital transformation in the fintech space.
Under John’s leadership, UBX has grown into Southeast Asia’s fastest-growing fintech, building a robust ecosystem that helps startups and fintech founders access expertise, funding, and customers. He has spearheaded the incubation of award-winning ventures such as i2i, SeekCap, and BUX, while also managing a corporate venture fund that successfully invests in and scales fintech startups. By leveraging corporate ecosystems, open finance, and embedded finance, John continues to drive financial inclusion, innovation, and strategic growth in the Philippine fintech landscape.
Jonny Fry led initiatives around blockchain and digital assets within the regulated banking environment at ClearBank. With over three decades of experience in financial services, Jonny is widely recognised as a thought leader in digital innovation. He is currently the CEO of TeamBlockchain, Chairman of Gemini Capital UK, and author of Digital Bytes, a weekly publication analysing blockchain developments. At ClearBank, he focused on integrating digital asset strategies to support institutional-grade infrastructure for next-generation financial services. In 2022, he was named CryptoAM’s “Influencer of the Year.”.
David Parsons is an accomplished technology executive with over 25 years of experience leading digital financial infrastructure initiatives across the US and Europe. As Chief Technology Officer at NiftyOne, he drives innovation, technology strategy, and platform development. His expertise spans go-to-market strategies, business development, and regulatory frameworks, underpinned by a strong track record of working with global technology providers, hardware manufacturers, and software developers. David’s strategic vision and hands-on leadership have consistently enabled the successful deployment of scalable, secure, and compliant digital solutions in the financial sector.
Helen Child is the Founder and CEO of Open Banking Excellence (OBE), the world’s leading community of Open Banking and Open Finance pioneers. With a legacy of innovation rooted in her family’s 400-year history in banking, Helen’s journey includes founding the UK’s first e-Money Licence Issuer to be awarded licences by Mastercard and Visa. She has played a pivotal role in the development of the UK’s Open Banking ecosystem and has become a global ambassador for the movement, advising governments and regulators in emerging markets like Brazil and Saudi Arabia.
Sandeep Deobhakta is a veteran financial services leader and design innovator with over 35 years of experience spanning banking, wealth management, and bancassurance across ten countries. He has held senior roles at major institutions including Citibank, Shinsei Bank in Japan where he helped transform it into an award-winning digital retail bank using Human-Centered Design and VP Bank in Vietnam, where he drove significant retail banking growth. Most recently, he served as President & CEO of Manulife China Bank Life Assurance Corporation in the Philippines, steering innovation in bancassurance and strategic partnerships.
A champion of innovation at the intersection of finance and design, Sandeep is currently pursuing PhD research focused on AI and Design Thinking in financial services. He is the author of Banking by Design (2024) and teaches fintech at Dai Nam University in Vietnam.
With over 25 years of experience in strategy, finance, banking, and innovation, Rafiza Ghazali currently serves as the CEO of KAF Digital Bank, where she is responsible for the development and operationalisation of the retail/consumer digital bank. She brings deep expertise in corporate finance, Islamic finance, and fintech to her leadership role.
Previously, she was the Group CEO of Cradle Fund, where she played a key role in transforming Malaysia’s early-stage funding and venture capital ecosystem. Her extensive C-suite experience spans across various sectors including consumer products and services, energy, property, and media—where she has contributed to enhancing performance, governance, and sustainability. Rafiza is a Chartered Accountant with the Australian Institute of Chartered Accountants. She also holds a Postgraduate Diploma in Strategy and Innovation from the University of Oxford and a BSc in Economics from the London School of Economics. She is passionate about creating meaningful impact through digital innovation in banking and advancing financial inclusion. She is also deeply committed to fostering a culture of collaboration, diversity, and excellence across her teams and stakeholders.
Tiravat Assavapokee is currently the Executive Vice President and Head of Data Intelligent and IT Integration Division at KASIKORNBANK Public Company Limited, one of Thailand’s leading financial institutions. He is recognized as a pioneer in data science and AI transformation in the Thai banking sector, with more than two decades of international and domestic experience in data strategy, analytics, and operations research.
Prior to joining KASIKORNBANK, Dr. Assavapokee held several key leadership positions, including Executive Vice President for Data Innovation at Krung Thai Bank, and Executive Vice President for Business Intelligence at SCB. He also served in various leadership and senior analytics & data science roles at Capital One Bank ,Walmart and Manhattan Associates in the United States.
Dr. Assavapokee began his career in the U.S., where he also served as Assistant Professor in the Department of Industrial Engineering at the University of Houston. With over 21 years of studying and working in the United States and 8 years in Thailand, his career reflects a deep integration of global best practices with local business innovation.
He holds a Ph.D. and M.Sc. in Industrial and Systems Engineering from the Georgia Institute of Technology, another M.Sc. in Industrial and Manufacturing Engineering from Oregon State University, and a B.Sc. in Computer Science from King Mongkut’s Institute of Technology Ladkrabang (KMITL), Thailand.
Dr. Assavapokee is passionate about building data-AI driven organizations, fostering data-AI talent, and advancing responsible AI adoption in financial services.
John Januszczak is the former President and CEO of UBX, the fintech company originally established by UnionBank of the Philippines. Since assuming leadership in 2018, he has transformed UBX into a leading force in open and embedded finance across Southeast Asia. Under his guidance, UBX has processed billions in transactions, empowered more than 250,000 businesses, and forged strategic partnerships with global leaders such as SBI Holdings.
With a career spanning over three decades, John brings a wealth of experience in financial services, technology, and operations. Prior to UBX, he served as Chief Operating Officer at Manulife Philippines and held senior roles at Manulife Financial, MAXIMUS, and Meta Software Corporation. His expertise encompasses global business process management, product development, and digital transformation.
John is also a prominent advocate for financial inclusion and open finance. He chairs the European Chamber of Commerce of the Philippines' Special Committee on Open Finance and Financial Inclusion and has served on the boards of leading fintech and energy firms including PETNET, FinScore, Dragonpay and Solviva.
A native of Canada, John holds a degree in Astrophysics from the University of Toronto. His unique blend of scientific rigor and business acumen positions him at the forefront of fintech innovation in the region. John is a sought-after speaker at major industry events such as InsureTech Connect Asia and the Future Bank Working Group, where he shares insights on digital transformation, embedded finance, and the evolving fintech landscape.
With over 22 years of experience in transaction banking, treasury, and finance across Asia and the USA, Ankur Kanwar drives strategic growth and innovation in his dual leadership roles. As Head of Transaction Banking for Singapore and ASEAN, he oversees business growth and operational excellence in one of the region's most dynamic markets. In his global role as Head of Structured Solutions Development for Cash Management, he leads a team of experts in creating advanced cash management solutions for clients worldwide.
Ankur has helped large corporates optimise cash and treasury operations and spearheaded the adoption of transformative digital solutions to meet evolving industry needs. Before joining Standard Chartered, he held senior roles at JP Morgan Chase in Singapore and New York, leading transaction banking regulatory products and enhancing liquidity structures for corporate clients. His expertise in regulatory insights, treasury management, and balance sheet optimisation makes him a key influencer in transaction banking across ASEAN and beyond.
Allen Ng is Group Head and Principal Economist at the ASEAN+3 Macroeconomic Research Office (AMRO). He leads the Regional Surveillance group, which is responsible for the annual flagship ASEAN+3 Regional Economic Outlook and related updates.
He was previously the Chief Economist of Securities Commission Malaysia (SCM), where he was also a member of the International Organization of Securities Commissions’ Committee on Emerging Risks and a board member of the Institute for Capital Market Research Malaysia. Prior to SCM, Allen was Director of Research at Khazanah Research Institute, and before that he spent more than a decade in the Central Bank of Malaysia.
Sebastien joined Deutsche Bank in 2010 and currently leads Institutional Cash & Trade for APAC, based in Singapore. He oversees cash and trade businesses for institutional clients across the region, supported by a team of 50. Previously, he headed Trade Finance Distribution for APAC and led the Distribution franchise for the Middle East & Africa. With experience spanning Europe, Russia & CIS, and MEA, he has managed syndications and trade finance across major markets. Before Deutsche Bank, he spent nine years at BNP Paribas, focusing on loan syndications in the oil, gas, and commodities sectors.
Christo Georgiev is a seasoned financial technology executive with a strong track record in driving business growth and operational excellence across Southeast Asia. He is the founder and CEO of LenderLink, a company focused on advancing credit and lending innovation.
From 2019 to 2024, Christo served as Group COO and Country Manager (Philippines) at FinScore, a leading alternative credit scoring company. Under his leadership, the firm achieved 100% year-on-year revenue growth, forged strategic partnerships with over 30 top-tier financial institutions, and significantly broadened its market footprint and data capabilities. He led initiatives that processed millions of alternative data points monthly, advancing financial inclusion for the underbanked and unbanked.
Christo played a key role in raising $1.9 million from investors, including UBX Ventures (UnionBank of the Philippines’ CVC arm), and co-led FinScore’s successful exit to CTOS Digital of Malaysia in 2023. Following the acquisition, he remained with the company through its transition before stepping down in 2024 to launch LenderLink. Since 2012, Christo has held leadership roles across Operations and Business Development in Southeast Asia, building a reputation for strategic impact and execution in emerging fintech markets.
Frankie Shuai is the APAC Chief Information Security Officer (CISO) at DWS, Deutsche Bank Asset Management, with over two decades of experience in Financial and IT industries. As a seasoned leader, he previously directed cyber and technology risk at UBS for Singapore, Australia, and New Zealand, and has held positions at Citibank, Microsoft, and HP. Frankie is renowned for bridging the gap between cybersecurity and business agendas, evidenced by his frequent speaking engagements at industry events. His commitment to digital transformation and innovation is underscored by a patent for next-generation wireless networking filed with the United States Patent and Trademark Office, where he serves as the sole inventor. In his current role at Deutsche Bank Asset Management, he leads regional Information Security, contributing significantly to the institution's cybersecurity resilience.
David Gee is a distinguished former Global Head of Technology, Cyber, and Data Risk at Macquarie Group, celebrated for his transformative leadership across multiple industries and geographies. With over 25 years at the helm as CIO and CISO, including pivotal roles at HSBC Asia Pacific and MetLife, David has been instrumental in driving major digital transformations. He is notably recognized as the CIO of the Year 2014 for his strategic overhaul at Credit Union Australia, significantly enhancing their core and digital banking platforms. His latest book, The Aspiring CIO & CISO, published in July 2024, is a comprehensive guide for emerging leaders aiming to excel in top IT roles, offering strategies to develop leadership skills, build personal brands, and navigate executive challenges effectively.
Stephen Tjokro is a Business Development Director, Global Fraud Solutions at GBG. He has a keen interest in fraud management, cybersecurity, digital risk protection and enterprise software. With deep expertise in fraud management, he helps businesses navigate fraud risk challenges in an evolving digital landscape. Beyond his professional expertise, Stephen prioritises fitness and stays informed on emerging technology advancements, ensuring he remains at the forefront of innovation.
Patrick Schueffel is an adjunct professor at the School of Management Fribourg (HEG) in Switzerland, where he specialises in fintech, entrepreneurship in banking and finance, and innovation. His academic work is complemented by extensive professional experience in the financial services industry, having held senior and C-level roles at institutions in Switzerland and Liechtenstein, including Chief Operating Officer positions at Sora Bank and Saxo Bank (Switzerland). Earlier in his career, he served as a senior manager at Credit Suisse’s headquarters in Zurich, where he led a global innovation team.
Dr Schueffel also represented HEG Fribourg internationally during a three-year assignment in Singapore. His research has been widely published in leading academic journals and practitioner outlets, making a significant contribution to the fields of financial innovation and international business. He holds a doctorate from the University of Reading/Henley Business School, and postgraduate degrees from the Norwegian School of Economics (NHH), the University of Mannheim, and Henley Business School.
Kelvin Teo is the co-founder and Group CEO of Funding Societies | Modalku. He has been a key member of the Singapore FinTech Association’s Digital Finance Subcomm since 2018 and recently named by the Association as among the Top 12 Fintech Leaders in Singapore in 2020. As one of the Top 200 FinTech Influencers in Asia, Teo has spoken at major conferences such as LendIt Shanghai, Boao Hainan and Money20/20. He has also been featured on Bloomberg, BBC and Business Times. Prior to this, Teo served as a consulting professional at KKR, McKinsey and Accenture.