Christian Kapfter is managing director of TAB Insights, the research arm of The Asian Banker and TAB Global. He has been the head of the Excellence in Retail Banking programme since 2008. TAB Insights, which has developed a rich repository of the data on the global digital banking industry, publishes the annual Digital Banking Ranking, the key findings of which will be shared in this programme. Christian also provides banks with internal benchmarking consulting services and help with their vendor selection exercises.

Other subject matter specialists are brought into the programme from time to time to tap their respective areas of specialty.

Axel Winter is a highly experienced technology leader with strong hands-on experiences in the banking, retail and start-up worlds. He was previously Global Head of Enterprise Architecture & Technology Strategy for Standard Chartered Bank and had similar roles at GE Money and Cisco Systems. He is currently the Chief Digital Officer for a luxury mall operator and advises start-ups in asset tokenization and eCommerce. His expertise in technology infrastructure for banks and large businesses makes him a valuable contributor.

Wilson Chia is one of the most experienced digital bankers in the world with over 30 years as a career banker, mostly with Standard Chartered Bank in international positions. He currently advises CEOs of leading banks in emerging markets on digitalising traditional business lines. His strong financial background and expertise in balance sheet, funding, and product disciplines make him a valuable contributor to the program's operational areas.

Internationally renowned banking industry expert Emmanuel Daniel designed this programme for leaders entrusted with defining new frontiers in banking and responding to new technologies as they evolve. He is the author of "The Great Transition - The Personalization of Finance is Here" and the founder of TAB Global, which includes The Asian Banker, The Banking Academy, and TAB Insights amongst others. Emmanuel also advises leading banks in Asia and serves on government committees focused on the future of finance.

Barry Katz has authored eight books, including "Change By Design" with Tim Brown (Harper Collins, 2009/2019), which explores design thinking as a business strategy; "NONOBJECT" with Branko Lukic (MIT, 2010), a conceptual exploration of "the space between person and product;" "Make it New: The History of Silicon Valley Design," translated into Japanese, Chinese, Korean, and Spanish; and "Healthcare by Design" (University of Toronto Press). He is currently working on his new book, "The Architecture of Information: Structure and Symbol for the Age of Data." His writings on design as a strategy for innovation have been featured in numerous academic, professional, and popular journals. Additionally, Katz serves as a Professor of Industrial and Interaction Design at the California College of the Arts and is a Fellow at IDEO, Inc., a global design and innovation consultancy.

Shawn Flynn brings a wealth of experience as a seasoned mid-market investment banker. Having established himself as a successful business owner in Beijing, China, Flynn returned to Silicon Valley to immerse himself in the dynamic startup ecosystem. His roles have been diverse, ranging from Head of Incubation for an AI and blockchain-focused incubator to President of the second oldest Angel group in the Valley. With an extensive background spanning various business stages and sectors, Flynn currently holds the position of Principal at Global Capital Markets, a premier middle-market investment bank. This bank specializes in services such as mergers and acquisitions, growth capital raising, and secondaries. Flynn's global perspective is further enriched by his proficiency in Mandarin and Spanish, languages he acquired during his nearly 8 years of living abroad.

Bill Barry stands out as an exceptional GTM (Go-To-Market) leader in the technology sector, boasting a proven track record of driving revenue growth for both established tech giants and high-potential startups. His unwavering pursuit of excellence, coupled with his talent for uniting diverse teams, has yielded staggering triple-digit growth trajectories and successful exits. By harnessing cutting-edge analytics and automating processes, Bill has earned a reputation as a revered advisor and mentor, renowned for consistently delivering exceptional results with an upbeat tempo.

With his robust technical background, strategic acumen, and remarkable interpersonal skills, Barry emerges as the top choice for businesses aiming to turbocharge their go-to-market capabilities and cultivate revenue engines. His profound grasp of the market landscape, combined with his ability to engineer and implement highly effective processes and systems, has established a pattern of unwavering success throughout his career.

With a career spanning over 25 years as a registered investment banker and strategic consultant, Harold Graham is motivated by his commitment to supporting high-potential founders and connecting them with the most suitable capital partners. His expertise encompasses various industries, including technology, healthcare, and finance. Graham possesses a distinctive approach to fundraising that involves aligning the individual mission and goals of each startup. He understands that the success of fundraising extends beyond mere capital infusion; it involves a trifecta of strategic mapping, precise execution, and the cultivation of enduring alliances with investors. Throughout the intricate journey of fundraising, Graham expertly guides startups, helping them navigate the complexities, and securing the necessary resources to fuel their growth and innovation.

Drawing from 25 years of industry experience in the telecommunications sector, Mark Yin has held esteemed leadership positions at renowned companies including Infinera, Ciena/Lightera Networks, Cisco, and Stratacom. Before co-founding Platina, Yin operated his independent consulting firm based in Asia, specializing in shaping strategies and investment directions for local Original Design Manufacturers (ODMs). Notably, he played a pivotal role as the inaugural VP of Marketing at Infinera (NASDAQ: INFN), a global pioneer in optical networking systems. During this tenure, he was instrumental in defining both current and future product lines, successfully launching the company, and subsequently establishing its influential presence in the Asian market.

Marla is a fintech founder, keynote speaker, and former executive at traditional wealth and asset management firms and leading transformational fintech providers. She led operational partnerships at BlackRock and J.P. Morgan quantified in the billions of dollars before leaping into fintech to improve customer experiences. She has built and scaled integration, channel, and corporate development partnerships at high growth fintech companies including Carta, Jemstep, Xignite, and Lending Club, innovating in the areas of private equity, digital advice, financial market data, and fixed income. She has experience as a client, a vendor, and a partner leading digital transformation in banking and capital markets, and as a change agent driving diversity and inclusion. She founded two women’s networks and speaks frequently on topics related to the evolution of financial services to broader audiences. In 2020, she was selected as a Silicon Valley Business Journal Woman of Influence, and was recognized in 2021 as a Woman in Wealth Tech to Watch.

Régine David's diverse expertise spans strategic partnerships in venture capital, finance, tech, art, non-profit, public, and private sectors. Prior to BLAM Retail, she directed business development at on-demand financial services firms, focusing on FinOps for private and public sectors. Her role emphasized revenue growth, retention, partnerships, and strategic branding. Régine also consults for startups on strategic partnerships, brand strategy, and business development. With a finance background, she built partnerships with advisors, founders, investors, and cohorts in the venture capital and tech ecosystem, offering guidance on internal and external business development.

Brian Sathianathan’s career kicked off at Apple, initially chosen for his prowess in software development and encryption. During his 6-year tenure, he spearheaded iPhone and Intel Mac endeavors within the discreet New Product Introductions (Secret Products) Group. His key teams crafted the security and activation framework for the inaugural iPhone, resulting in his patent achievements. Subsequently, after an 8-year association, Brian departed Apple to establish Avot Media, which developed a video transcoding software used by major entities like Warner Bros. This venture culminated in its acquisition by Smith Micro [NASDAQ: SMSI]. At Smith, Brian ascended to head of the video division, steering strategy, vision, and integration.

Post his roles at Avot and Smith, Brian assumed a position on the seed-stage investment squad at Turner Media. Here, he scouted startups in Social, Consumer, Advertising, and Recommendation sectors, participating in 13 investments and a key acquisition (BleacherReport) across two years. Remarkably, two of his backed startups were subsequently acquired, including one by Apple.

Currently, Brian serves as Co-Founder and Chief Technology/Digital Officer at Iterate.ai, an innovation ecosystem initiated in 2013. Revered companies such as Ulta Beauty, The Pampered Chef, Driven Brands, and Circle K harness the "intelligent low-code" capabilities, a concept devised and patented by Brian and his team. This innovation, known as Interplay, significantly expedites and streamlines digital and AI-driven innovation. Notably frugal and highly efficient in capital usage, Iterate's revenues surged by 287% between 2017 and 2020.

Bob Karr is the CEO/Founder of Link Silicon Valley (LinkSV.com). He has been an active angel investor, an advisor to emerging internet companies, and a co-founder of the Angels Breakfast Club. Bob retired from a 30-year career in the corporate liability insurance business, during which he spent 15 years as a Partner at Dinner Levison Company and another 15 years as Senior Vice President of the Sedgwick Group. In these roles, he spearheaded business development and client services, exclusively focused on emerging and pre-IPO companies in Silicon Valley. Many of his emerging clients have transitioned into successful IPOs.

A three-time entrepreneur with twenty plus years of business development, sales and marketing, Dawn currently leads day-to-day operations and product vision for Link Silicon Valley. She joined Bob in 2016 and led a total rebuild and relaunch of the website and SaaS offerings. Dawn started her career selling system software to Fortune 5000 firms and OEMs as chief rainmaker in her first company and went on to build a nationwide network of VARs and developers that doubled annual sales 3 years in a row. Dawn earned a BA in Economics at the State University of New York at Buffalo. She and her family now live on the San Mateo Coast.

Sherry Gubera is the senior managing director at the San Jose office, specializing in tenant representation for Silicon Valley tech companies. With vast industry experience, she optimizes facility acquisitions, dispositions, and lease restructures for startups and Fortune 1000 firms. Alongside her seasoned corporate real estate team, Sherry prioritizes lasting relationships and top-tier customer service. She's a trailblazer, holding Silicon Valley's first Leadership in Energy & Environmental Design (LEED) accreditation. Sherry authored Newmark's Green Handbook, a comprehensive guide for real estate professionals navigating green initiatives. At Newmark, she's completed 450+ assignments, advising tech, life science, and cleantech companies across 14.8 million square feet in lease and sale transactions.

Adam Green, Senior Managing Director at Newmark, joined in 2018 within the EMEA consulting practice of the Global Corporate Services division. He later moved to the global consulting team in 2020. With over 13 years of experience, Adam specializes in Integrated Workplace Services. His focus areas include workplace experience and planning, workplace technology solutions, outsourced service delivery, and facilities management. Adam excels in workplace strategy, change management, real estate consulting, technology-enabled workplace solutions, IoT, and program management. His leadership extends to vendor management and overseeing large teams.

Roger Royse serves as a partner at Haynes and Boone, LLP's Palo Alto office, specializing in corporate and securities law, tax, and mergers and acquisitions. He provides counsel to a wide array of companies, spanning from nascent tech startups to publicly traded multinationals across various sectors. With the distinction of being a Fellow of the American College of Tax Counsel and a former chair of multiple committees within the American Bar Association Sections of Business Law and Taxation, Roger's legal expertise is highly regarded.

Furthermore, Roger's educational contributions extend beyond his legal practice. He has served as an instructor or professor for legal, tax, and business subjects at the Center for International Studies in Salzburg, Austria, Golden Gate University School of Law, and Stanford Continuing Studies. Nationally recognized as an authority in agtech (agricultural technology), Roger illuminates the legal landscape for companies operating in this domain.

Roger is the author of "10,000 Startups: Legal Strategies for Startup Success" and "Dead on Arrival: How to Avoid the Legal Mistakes That Could Kill Your Startup." His insights have garnered coverage in influential publications such as the Wall Street Journal, Forbes, Fox Business, Chicago Tribune, Tax Notes, Inc. Magazine, and many others.

Calina Thompson is the group director and senior vice president with the Innovation and Venture Banking Group at Flagstar Bank. She has over 18 years of experience working with Private Clients, entrepreneurs with a focus on startup, innovation, venture capital, and privately held businesses. Thompson also has expertise in the non-profit and private residential lending space. Prior to Flagstar, she was the senior relationship manager with First Republic Bank for 10 years.

John Majeski brings a wealth of expertise encompassing startups, turnarounds, and major IT companies. Notably, he co-founded and played key roles in the success of 3 startups, all of which achieved successful exits. During his tenure at HP, he orchestrated the seamless integration of a company and fulfilled the role of CTO. At Dell, serving as VP/GM, Majeski not only successfully integrated a $1 billion acquisition but also remarkably propelled revenue growth from $400 million to $2.3 billion in a span of 3 years. During his time with Lenovo, he initiated and managed a global business endeavor aimed at acquiring technology, pivotal in steering Lenovo's transition from hardware to software and solutions. Majeski's leadership spans product, engineering, sales, and M&A domains.

Kathy Ryan, Chair and Founder of RoseRyan Group, drives the firm's mission, strategy, and investments since co-founding it in 1993. She pioneered a flexible work-life balance model, now embraced by over 100 professionals at RoseRyan. After 26 years at the helm, Kathy appointed David Roberson as CEO in 2020, charting the firm's growth into a new era.

Kathy, known for her CEO and CFO experience with 50+ Silicon Valley startups, innovatively combined flexible work arrangements and a values-based culture at RoseRyan. She launched ventures like Bizinta, offering practice management software, and co-founded Kukuza Associates in 2019, specializing in cannabis accounting and finance.

Her leadership insights are sought after by industry and regional publications. The San Francisco Business Times recognized her as an influential woman in Bay Area business in 2015. Kathy appeared twice on Accounting Today's top 10 leaders list, known as the Managing Partner Elite. In 2012, the San Jose/Silicon Valley Business Journal named her one of the most influential women in Silicon Valley.

Ray Ko has more than 18 years of experience in the data center and telecom space. Currently, he is assisting customers with best practices used in a data center to achieve digital transformation and optimal performance to meet their business demands globally.

Vacit Arat, CEO of HIA Technologies, is a seasoned serial entrepreneur with 25+ years of experience in operations and business development. Throughout his career, he has been at the forefront of pioneering new technologies, establishing viable businesses, and generating intellectual property (holding 22 US patents). His current venture, HIA Technologies, is the visionary force behind AIVIO™, an innovative digital assistant user interface revolutionizing healthcare communication.

AIVIO™ transforms the patient-provider dynamic beyond the confines of traditional office visits. This groundbreaking technology empowers healthcare providers with interactive digital representatives, enabling them to engage in sophisticated and empathetic conversations with patients. AIVIOs educate patients, address their inquiries about their condition, gather information through strategic questioning, and provide comprehensive interaction reports. The result: improved patient outcomes, enhanced communication, and cost savings.

Robert Flynn boasts a quarter-century legacy constructing and steering growth companies across internet and traditional media domains. He played a pivotal role in launching and overseeing Liquid Audio, a trailblazing venture that introduced a comprehensive software platform for lawful digital music distribution and commerce on the internet. His most recent endeavor involved being CEO and Co-Founder of Modern Feed & Supply, Inc., later rebranded as Clicker, ultimately acquired by CBS Interactive. In the interim, Flynn helmed Zetools, a pioneering software firm providing enterprise-grade solutions for IP video formatting, management, and distribution across all IP-based platforms through streamlined publishing. During his Zetools tenure, the company secured two Emmy Awards, and Flynn and his team earned recognition on Hollywood Reporter's Digital 50 list.

Allen Shi is a versatile professional excelling in corporate innovation and venture capital. Based in California, he's a driving force in cultivating strategic partnerships between corporations and emerging startups. Since February 2023, Allen has been pivotal at Plug and Play Tech Center, where he adeptly fosters alliances for mutual growth.

His previous role as Chief Revenue Officer at Brix Labs, an AI-driven engineering team management platform, underscores his adeptness in aligning technology with business goals. Prior roles, like Vice President at FTD Solutions LLC, showcased his proficiency in semiconductor facility systems and optimization. While serving as Chief Revenue Officer at LivNao, he demonstrated his commitment to mental health tech, despite the challenges the company faced.

Allen's affiliation with Plug and Play Tech Center spans years, progressing from Senior Director to Director of Corporate Partnerships. He's a key contributor to nurturing innovation ecosystems, with notable emphasis on Mobility, IoT, Energy, and Smart Cities.

Davis Auksmukst is a seasoned Investor at Plug and Play Ventures based in Sunnyvale, California. With a diverse background spanning both finance and audit roles, Auksmukst has emerged as a vital contributor to the investment landscape.

In his current role, Auksmukst has accrued over five years of experience in cultivating strategic investments in groundbreaking technologies. His tenure at Plug and Play has been marked by a commitment to identifying and supporting innovative startups.

Prior to his venture capital endeavors, he showcased his financial acumen as an internal auditor at Luminor Group, an amalgamation of DNB and Nordea's Baltic operations. His role involved navigating intricate financial landscapes to ensure robust internal controls and adherence to industry standards. A significant part of Davis's journey includes his role as an Internal Auditor at DNB, where he exhibited his prowess in assessing and enhancing the efficiency of financial processes.

Aliisa Rosenthal currently leads sales and partnerships at OpenAI, supporting enterprise customers building AI integrations into their products. Aliisa started her career in the field of artificial intelligence at Quid, where she held the role of director of strategic partnerships. She then moved on to become the first sales hire at Mixpanel, run enterprise sales at InVisionApp, and served as VP of sales at WalkMe.

Marvin Liao is is an Investor-Operator with a remarkable portfolio. As a partner at Rolling Fund Diaspora.vc and manager of the holding company Sukna Global, he wields a profound impact. His prior roles encompassed being a partner and board member at Game Groove Capital, an International Gaming Holding Company. Moreover, he held a significant role as a partner at Venture Capital Fund 500 Startups. There, he not only spearheaded the SF-based accelerator program but also steered investments in Seed stage startups. Throughout his tenure, he championed investments in over 414 pre-seed and seed stage startups.

His distinguished journey also features a decade-plus at Yahoo! as an executive, accumulating extensive operational experience across Asia, Europe, Latin America, and the United States. His reach extends further as he sits on the investment committees and advisory boards of various venture capital funds. Beyond this, he serves as a mentor to numerous accelerator programs globally.

Chris Yeh has spent his entire career working at high-tech startups. His expertise include online advertising, online marketing, sales management, lead generation, product management, market research, product marketing, entrepreneurship, general management

I have been an active professional in the business and technology sectors in Silicon Valley. As a founder, CMO, industry analyst, and public speaker, I am passionate about discovering the next technology trend, explaining it, and helping it become deployed worldwide.

My career arc has spanned web2, sharing economy, web3, and autonomous/AI technologies. I examine emerging technologies in terms of growth, opportunity, and changing consumer behaviors and expectations.

I began my career as an analyst at Forrester Research and later transitioned to Altimeter Group as a Founding Partner. In 2013, I established Catalyst Companies to concentrate on the emerging collaborative economy and the maker movement. I also co-founded Kaleido Insights. In 2022, I took on the role of CMO at a web3 project called RLY Network Association, funded by a16z, Coinbase Ventures, Battery, and others.

I have appeared in publications such as The Wall Street Journal, The New York Times, USA Today, and Fast Company. I have published research reports, playbooks, and frameworks to help businesses navigate change, enhance customer experiences, and identify trends before they happen.

I frequently speak and present at conferences and events worldwide, including global conferences, corporate kickoffs, TED stages, Web Summit, and host events around the world.

I have been an active professional in the business and technology sectors in Silicon Valley. As a founder, CMO, industry analyst, and public speaker, I am passionate about discovering the next technology trend, explaining it, and helping it become deployed worldwide.

My career arc has spanned web2, sharing economy, web3, and autonomous/AI technologies. I examine emerging technologies in terms of growth, opportunity, and changing consumer behaviors and expectations.

I began my career as an analyst at Forrester Research and later transitioned to Altimeter Group as a Founding Partner. In 2013, I established Catalyst Companies to concentrate on the emerging collaborative economy and the maker movement. I also co-founded Kaleido Insights. In 2022, I took on the role of CMO at a web3 project called RLY Network Association, funded by a16z, Coinbase Ventures, Battery, and others.

I have appeared in publications such as The Wall Street Journal, The New York Times, USA Today, and Fast Company. I have published research reports, playbooks, and frameworks to help businesses navigate change, enhance customer experiences, and identify trends before they happen.

I frequently speak and present at conferences and events worldwide, including global conferences, corporate kickoffs, TED stages, Web Summit, and host events around the world.

Neal Hansch, CEO and managing partner of Silicon Foundry, draws upon over 25 years of experience in venture capital, product management, technology operations, corporate development, and trusted advisory to steer the firm. Prior to this, he assumed the role of Managing Director for the emerging markets technology training, investment, and incubation program at the Meltwater Entrepreneurial School of Technology (MEST). In this capacity, he led a global team of 150+ professionals, orchestrated over twenty startup investments, and forged partnerships with industry giants like Google, Samsung, and Vodafone.

Neal's professional journey includes a tenure as General Partner at Rustic Canyon Partners (RCP), an early-stage VC fund managing $500 million. He also contributed to the corporate development group at Macromedia (Nasdaq: MACR, acquired by ADBE). In this role, he held responsibilities for global M&A transactions and strategic equity investments, gaining valuable insights into cross-border transactions through extensive travel across Asia.

John Zamora, Principal at Silicon Foundry, serves as a versatile advisor to members spanning diverse industries, with a specific emphasis on financial innovation. He comes with a wealth of experience, having previously spearheaded strategy and operations at First Circle, a fintech startup in Southeast Asia backed by Series A funding.

His expertise is underpinned by a comprehensive background in investment management, global strategy consulting, and international development. Notably, his contributions have extended to organizations like AllianceBernstein, Albright Stonebridge Group, and USAID. Additionally, John holds FINRA Series 7 & 63 licenses, adding a regulatory dimension to his multifaceted capabilities.

John Pompei serves as the Senior Vice President of Customer Success at Arise. His multifaceted role encompasses bolstering business development, orchestrating seamless implementations, and ensuring operational excellence for Arise Gaming clients.

Prior to joining Arise, he held the position of Chief Customer Officer at Officium Labs, overseeing sales, marketing, and service delivery. Preceding this, he was at the helm of global player experience at EA (Electronic Arts), served as DVP of Customer Operations for Sears & Sears Marketplace, and spent a significant 15-year tenure at Microsoft. During his time at Microsoft, he held various leadership positions, notably directing consumer support across Europe, Middle East & Africa, while simultaneously spearheading Global Skype Support.

John Pompei's impact extends beyond roles, as he's recognized as a thought leader in Customer Experience (CX). His strategies and solutions have resonated globally, blending technology and human elements to elevate customer experience. His teams have been acclaimed for their excellence in customer experience and support under his adept guidance.

Maaz Khan thrives at the intersection of technology, business, innovative startups, human-centered experiences, and social good. He possesses a talent for weaving captivating narratives and connecting dots through design thinking, data, and logic, compelling people to take action.

In his capacity, he advises enterprise startups and tech companies on digital strategy, transformation, partnerships, and innovative Go-To-Market approaches. Maaz is a versatile cross-functional leader, collaborating with NTT/Docomo Ventures portfolio firms and the Silicon Valley Ecosystem. His role encompasses strategic business development and fostering opportunities for a symbiotic relationship between NTT customers and partners.

Beyond his professional endeavors, Khan co-founded Global Youth Connection, a microfinance initiative, and played a foundational role in Ideatrr, an innovative ideation platform uniting the world through ideas.

Reuben is Chief Operating Officer at Singapore FinTech Association (SFA). He leads the secretariat and works with the executive committee to spearhead initiatives that strengthen the FinTech ecosystem in Singapore. With over 18 years of experience in business development and management, Reuben has empowered both large enterprises, SMEs and government agencies in uncovering valuable revenue and growth opportunities through active business partnering and strong leadership. He has led teams across the industries of aviation, real estate investment, marine, intellectual property, amongst others.

Ng Ying Zhong is the CPO at Cake Group, one of the fastest growing digital assets innovators. Cake Group empowers investors to generate returns on their digital assets through decentralized finance (DeFi) services and applications in a secure and transparent way through its core businesses. Cake Group’s four verticals are Bake, its retail aim; Levain, its institutional arm; Birthday Research, its R&D arm; and Whisk, its VC arm. Zhong steers the key product verticals and research arm at Cake Group. From his initial role as the company's first product manager, he laid the foundation for Cake Group’s product management practice, driving its transformation into a product-led organization. With a dedicated team of over 50 product managers, engineers, and designers, Zhong continues to promote innovation and cultivate growth, facilitating the development of advanced solutions.

In 2022, he was also honored as a Singapore Fintech Leader Under 30, recognizing his significant contributions to the fintech space.

Maha is Centre Head, BIS Innovation Hub Singapore. Having been newly appointed, most recently Maha was Head of Department for Early and High Growth Oversight leading the Financial Conduct Authority’s (FCA) response to the Kalifa review of Fintech. A Senior Leadership Team member, she is setting up this new department from the ground up as part of the FCA’s strategy. Prior to this, Maha served as Chief Payments Officer at Pay.UK on secondment from the FCA, responsible for running the payments operations of BACS, Faster Payments, Image Clearing Services and related managed services.

Maha joined the FCA in 2017 to set up the first Payments Department and was responsible for crafting and implementing the FCA supervisory strategy for the UK Payments Sector. This included leading the implementation of the Second Payments Services Directive (PSD2) and Open Banking.

Benjamin Lee is the Projects Manager & Advisor for the Bank for International Settlements Innovation Hub (BISIH) in Singapore. He was seconded to the BISIH through the Monetary Authority of Singapore (MAS) and worked to establish and launch the centre, and to manage its projects pipeline. The BIS Innovation Hub is a joint initiative by the BIS and its partner central banks to identify and develop in-depth insights into critical trends in technology affecting central banking; develop public goods in the technology space geared towards improving the functioning of the global financial system; and serve as a focal point for a network of central bank experts on innovation.

Prior to this appointment, Lee spent most of his career in central banking at the MAS, where he worked on international finance matters, and at the Ministry of Finance in Singapore, where he worked on public finance administration matters. Lee has also served as Singapore's representative to the Executive Board of the World Bank Group and was based in Washington DC between 2014 - 2016.

Kah Kit is an Advisor at the Bank for International Settlements Innovation Hub (BISIH) in Singapore. He leads policy and governance work in next-generation financial market infrastructure projects such as Project Nexus which aims to interlink fast payment systems to enable instant cross-border payments. He also provides policy support for Project Mandala which seeks to develop compliance-by-design architecture to enhance cross-border payments. Aside from project contributions, he also represents the BISIH on the Governance and Oversight workstream of the Committee on Payments and Market Infrastructures (CPMI), providing insights and practical learnings to contribute to the G20 cross-border payments programme.

Kah Kit is a secondee from the Bank Negara Malaysia (BNM) with over 16 years’ experience ranging from legal advisory and prosecution of financial crimes to policy development in the areas of payments, fintech and digitalisation. At BNM, he was instrumental in spearheading Malaysia’s migration to digital payments and foster the development of interoperable real-time payments. He also led the Digital Currency Research Hub where he was responsible for developing policies and strategies on CBDC and digital assets.

Sonja is an Advisor at the Bank for International Settlements Innovation Hub (BISIH) Singapore leading the Hub’s central bank digital currency (CBDC) program. In this position, she leads project Mandala and co-leads project Mariana. Davidovic is seconded from the Monetary Authority of Singapore while on leave from the International Monetary Fund (IMF).

At the IMF, Davidovic worked as Economist and Digital Expert on Transformative Technologies. In that position, she provided capacity building, policy recommendations and technical advice to IMF member countries on digital currencies, including CBDCs. In addition to numerous analytical and research papers on financial technology and digital currencies, she also contributed to the analytical work for the G20 agenda to enhance cross-border payments. Immediately prior to joining the BIS, Davidovic worked as Market Infrastructure Expert on the digital euro investigation phase at the European Central Bank (ECB).

A holistic marketer with more than 10 years’ experience in marketing and communication for, in particular, tech industry. Has a broad and integrated perspective in developing, designing and implementing marketing programs and activities.

Taeyoung Kim (TK) is a professional with experience in finance and cyber security, currently serving as the Business Development Manager and CEO Liaison Officer at swIDch Ltd. Her previous roles at Lloyds Banking Group, Fujitsu Korea, and STX Offshore & Shipbuilding demonstrate her expertise in financial analysis, client relationship management, and compliance.

Arun Sangwan currently holds the position of Chief Growth Officer at Bytesforce Corporation, a leading Insurtech based in Singapore. With a focus on sales, marketing, and partner ecosystems, he is dedicated to scaling up the business and expanding Bytesforce into new markets while strengthening partner relationships. Sangwan brings extensive experience from roles at Neutrinos and Citrix, where he demonstrated a talent for driving innovation and fostering strategic growth.

Hui Hong Seow is a seasoned professional known for her achievements in entrepreneurship, policy development, and innovation. Currently, she serves as the Regional Director at BLOCK71 Southeast Asia, where her role involves ecosystem building and strategic operations. With a background that includes roles such as Venture Fellow at Insignia Ventures Academy and Head of Revenue at Ablr, Hui Hong has left her mark on organizations like MiRXES, BlueChilli Group, raiSE SG, SG Enable, and the Ministry of Trade and Industry (Singapore).

Christine is the designer of the "4 Paradigm Delivery Standardisation of Project Management Performance", and the architect of the early-stage KEY for delivering AI projects in the 4 Paradigm, effectively putting "AI empowers business" into action. Christine has extensive experience in decision-making AI solutions and large-scale online service architectures, such as the Intelligent Real-time Banking Risk Control System and the Personalised Marketing System. She is also well-versed in developing applications for big data and machine learning systems.

Mr. Li Bin was a Data Scientist at China PingAn Group Financial OneAccount from 2018-2020. He was responsible for the design and implementation of AI solutions for the financial industry. He served as the AI product manager in the company and successfully designed and launched AI capability products such as voiceprint signature and application material forgery recognition.

From 2020 to the present, he has been the head of the data science team at 4 Paradigm. He is responsible for the implementation of the "Polaris" experimental science business on the enterprise side. He has provided AI consulting and implementation services for several state-owned banks and joint-stock banks, covering key areas such as risk control, retail marketing, and customer service efficiency.

Li Feng brings a wealth of experience in IT and the Internet to his role. He specialises in designing and researching financial distributed systems, middleware, and foundational platforms. His responsibilities extend to strategic planning and technology development at Du Xiaoman, where he has led the evolution of credit technology from 1.0 to 4.0, significantly boosting business growth.

In the field of fintech, Li Feng has spearheaded ground-breaking research and successful implementations in areas like blockchain, complex engineering technology, virtual reality, and IoT. Notably, he established Baidu's first-ever blockchain R&D team. His work has gained global recognition, including Forbes Global Blockchain 50, Harvard Business Review accolades, and recognition from the Ministry of Industry and Information Technology.

Li Feng is a distinguished industry expert who has actively contributed to national standards, authored various white papers and blue papers, and personally filed over 60 international and domestic invention patents.

Jiaoyao worked for multiple world-renowned companies such as Canon, ABeam Consulting, Yiqianbao (a mobile payment platform under PingAn Group), and China Construction Bank prior to joining JDT (JD Technology). With extensive cross-industry work experience in financial technology, the internet, consulting, and IT, he has a unique perspective on a wide range of subjects, including big data models, blockchain, inclusive finance, digital transformation, intelligent data platforms, digital marketing, and operations.

Mr. Jiang Hao has more than 20 years of experience in the financial industry. He previously served as the Senior Deputy Manager of China Construction Bank, Vice President of the Shanghai Branch of Bank of China (Hong Kong) Limited, Head of Retail Credit at Bank of Shanghai Head Office, Chief Compliance Officer of BOSC Asset, and Personal Banking Director of Bank of East Asia (China) Limited, among other executive roles. He joined MYbank as the Chief Compliance Officer in May 2018. He has served as the Secretary of the Board of Directors and the Chief Compliance Officer of MYbank since July 2020 and has served as the Vice President of MYbank since September 2021.

Shen Enguang joined the company in September 2020 and held the positions of Vice President, Director of the Foreign Exchange Business Department, and Director of the International Financial Cooperation Department. He is currently co-CEO at LianLian International, overseeing foreign exchange business, B2B business management, international banking cooperation, and communication.

Ma Xiao joined LianLian in June 2021 and is responsible for domestic and international financial institution affairs. Prior to this, he worked at a well-known foreign bank, specialising in international payment settlement business. With over ten years of experience with financial services such as cash management for large foreign-invested enterprises in China, he has extensive knowledge and experience in international payment settlement products, services, compliance regulations, etc.

Jackal has 30 years of working experience covering North America, Australia, Asia, and Europe. He is a seasoned technology and business executive, with previous experience including: Senior Engineer at IBM China/Hong Kong/Canada; Head of Technology Planning at Royal Bank of Canada; Chief Architect of Hong Kong Octopus Card System; Asia Regional Head of Operation at AXA insurance; President at EDIFY Asia, a JV between the US and China; Managing Director at Aspect Software for North Asia. He is an advisor and consultant at various business/technology transformation initiatives such as Citibank, HSBC, Standard Chartered, PingAn Insurance, China Construction Bank, and Pudong Development Bank.

China including the Ministry of Industry and Information Technology, National Development and Reform Committee. He was also VP of Asia Pacific at Threat Metrix, and co-founded Tongdun Technology.

At Hundsun Technologies, Zhichen is in charge of strategy planning and market insights. He possesses deep understanding of the digital transformation occurring in the insurance and banking industries, along with creative applications of financial technology. Previously, he led projects such as the non-trade finance blockchain platform of the Industrial and Commercial Bank China and the cross-border financial services platform of the State Administration of Foreign Exchange.

Mr. Chu Liang served in various management positions at PingAn Group headquarters, PingAn Technology, and PingAn Bank. As Assistant General Manager and Chief Architect of PingAn Technology, he was responsible for product incubation and implementation in areas such as multimedia contact center, Internet, and mobile technology. He led major technology projects like PingAn Bank mobile banking, Orange Banking, and channel integration between the two banks.

He transferred to PingAn Bank in August 2016 and participated in the transformation of PingAn Bank's retail business as the chief technology leader. He set up the retail technology development team, fully implemented the agile development model and organisational governance, and led the team in technological exploration, research, and application innovations. He promoted the retail AI Banker project, systematically applying technologies like face recognition, OCR, big data, and AI to marketing, service, and risk business areas.

With over 20 years in banking IT, Mr. Liu has worked on large-scale projects and conceptual architectures like data services, big data governance, and AI banking applications. He has been deeply involved in the field of banking data governance and big data applications, contributing to CBRC's "big data governance of commercial banks" white paper.

In 2019, Mr. Liu joined PingAn Bank, leading the digital transformation of intelligent risk control and building a new digital risk control platform. His work earned awards from Gartner, The Asian Banker, and the People's Bank of China, and contributed to the Group's "Finance + Technology", "Finance + Ecology" and other strategic transformations.

Zeng Yang is engaged in product innovation in AI, WEB3, domestic and international payments, etc. He joined PingAn in 2023 and is now deeply involved in PingAn Bank's fintech innovation business. He is committed to empowering the bank's digital transformation through technological and business innovation. Prior to joining PingAn, he worked for renowned enterprises such as China Minsheng Bank and ByteDance. He also co-founded and served as CTO of a UnionPay full-category filed aggregated payment service provider company. With 11 years of rich experience in financial technology product innovation and domestic and international market practice, he brings a wealth of knowledge to his role.

Dr. Lin is Chief Investment Officer of Micro Connect. He and his team lead the firm’s efforts in investment portfolio construction, risk management, asset securitisation and fundraising.

Dr. Lin has decades of investment experience in both private and public markets. Prior to Micro Connect, Dr. Lin was one of the Founders and CEO of Goldstream Investment, a listed multi-asset and multi-strategy hedge fund platform. He managed quantitative investment portfolios and is a recipient of ‘Golden Bull’ Fund Manager Award. He was also a Partner and Managing Director of Hony Capital, a private equity firm in China. Dr. Lin also worked at China International Capital Corporation (CICC HK), Asian Development Bank (Manila) and the World Bank (Washington).

Qiao became one of the primary members of WeBank's founding management team since April 2014 and has overseen the bank's strategic development and the incubation of innovative businesses, including wealth management, auto finance, SME loans, virtual credit cards, and international collaborations. He took on the position of Head of Financial Markets and Interbanking in 2020 and has been responsible for WeBank's financial asset management, FICC (Fixed Income, Currencies, and Commodities), asset securitisation, and interbank business ever since.

He's also been a Global Partner at McKinsey & Company in Chicago, Hong Kong, Taipei between 2005 and 2014, overseeing retail financial services in Asia, and serving as the regional leader for digital financial services, innovative businesses, and financial institution operations in Asia.

Pan Tao is currently in charge of AI financial solutions in the South China region. He has rich practical experience and profound insights into the application of artificial intelligence in the finance industry. He has led projects such as the intelligent services for the national hotline of China Merchants Bank and the intelligent precision marketing of Bank of China's Shenzhen branch.

With over ten years of experience, Xu Yan is recognised as a remarkable pioneer in AI research and industrialization. He has received the Youth Science Fund, Postdoctoral Fund, and the Best Student Paper from the China Computer Federation's Artificial Intelligence Committee. One of his papers has been cited 700 times in total. Among his major achievements are the development of a personalised new recommendation system, a complicated network-based anti-fraud system, an AI Doc Check system, and a variety of other smart automation solutions.

Jay Huang is a founding partner at Jadestone Capital. Previously he was a managing director at Intel China. Prior to joining Intel, Jay was Vice President of Nortel Greater China and then Vice President of Nortel Asia.

William XIONG is the Vice President of Alibaba Cloud, responsible for the Enterprise Service Cloud portfolio, which includes Energy Cloud, Sales & Procurement Cloud, Financial Cloud, Marketing Cloud, and the Enterprise Mobile Application Development platform. With a broad knowledge base in software and mobile development, e-wallets, insurance, data platforms, and carbon neutrality, William brings extensive expertise to the role.

Prior to Alibaba Cloud, William was the Senior Director of Technology at Ant Group, where he oversaw the development of international payment technology. Concurrently, he held a significant position as CTO of Worldfirst, leading the roll-out and partnership of e-wallets in numerous countries such as Paytm in India, Dana in Indonesia, TNG Digital in Malaysia, Kakaopay in Korea, Ascend Money in Thailand, Mynt in the Philippines, Easypesia in Pakistan, bKash in Bangladesh, among others. He and his team are committed to bringing inclusive, end to end, value driven cloud-based services and products to enterprises.

As CTO of ZOLOZ, a security technology-focused subsidiary of Ant Group, William Yao also holds a prominent role on the China Computer Federation Expert Committee on Big Data (CCF ECBD). Before this, he was the CTO of Ant Bank in Hong Kong and led the technical team for Alibaba Cloud’s CDN. A staunch advocate for open-source software, William Yao boasts over 15 years of expertise in the internet and fintech sectors.