How The World’s Most Innovative Companies Are Winning With Data

2020 saw a pandemic send everyone online, forcing a new breed of savvy Internet users previously accustomed to – and preferring – in-person experiences. Consumers today have instant access to endless information and are inundated with choice, so how do companies stand out?

Spearheaded by innovative brands utilising improved data capture and accurate predictive analysis, companies can deliver exceptional CX driven by hyper-personalisation. However, customer expectations have dramatically changed. Once limited to Millennials and the occasional Baby Boomer, today, multiple generations are demanding exceptional, highly personalised interactions at every point of the customer journey.

Companies must offer something extra; they must speak directly to their customers with empathy whilst carefully anticipating every want, need and desire – even before the customer knows it themself. By collecting real-time data and gaining insights through behavioural science, companies can determine that the appropriate services, products and pricing are delivered at the right time, in a context-specific, relevant environment.

Changing habits

Traditionally, customers would visit a bank branch to complete transactions, resolve problems, or receive personalised financial advice. But when all these offerings are available digitally and by proxy remove the inevitable frustrations of in-branch experiences, it begs the question: is there a need for physical banks? Outdated legacy systems contribute to a disjointed view of the customer, leaving tellers unable to solve issues, gain access to data quickly or efficiently, and unable to deliver hyper-personalised experiences. These encounters mixed with long queues in-branch further contribute to a disappointing customer experience.

Previously, digital interactions generally supported the physical experience. Customers would browse services, find answers to FAQ queries and contact information. However, as technology improved, efficient, easy-to-use digital-only banking solutions arose providing seamless customer journeys, efficient payment systems and instant communication through in-app messaging and chatbots. This enhanced end-to-end format was suddenly competing against traditional incumbents. Digital services were already on an upward trajectory when worldwide lockdowns forced branches to shut and customers to stay home, exponentially driving digital uptake.

However, behavioural science has identified that too much choice can be a bad thing; around 39% of customers leave a website and buy from a competitor after being inundated with options. In response to the overwhelming customer decision fatigue, innovative companies formulated hyper-personalised solutions that narrow the decision pool and offer experiences that superseded physical encounters. But as more brands innovate, expectations skyrocket. Customers feel entitled to obtain what they want, whenever they want, and as brands become increasingly globalised, 24/7 immersive, appropriate, enjoyable, customer-specific interactions are expected.

Netflix: hyper-personalisation through data

Why are Netflix and Spotify so popular? No two accounts are identical. Every customer has personalised interests, so why advertise the same content? To entice users to remain and return to the platform, Netflix uses data metrics such as user behaviour to capture and memorise preferences. This information is then applied to suggest content the system predicts the user will enjoy.

Leveraging data is not easy, especially with a dataset consisting of over 203 million subscribers. In the case of Netflix, the company uses; data processing software, traditional business intelligence tools such as Hadoop and Teradata, and open-source solutions such as Lipstick and Genie to gather, store and process massive amounts of information. These findings then influence what content is created and promoted.

To store and process the rapidly increasing data sets, Netflix uses Amazon’s S3 warehouse, which allows multiple Hadoop clusters from different workloads to access the same data. Within the Hadoop ecosystem, Hive is used for ad hoc queries and analytics, in a Pig for ETL (extraction, transformation, load) algorithm. Netflix also created Genie to assist in the breakdown of increasing data volume.

To enhance UX and build their recommendation system, Netflix uses the following metrics:

  • Viewer interactions (ratings, history),
  • Category information (year of release, genre)
  • Other viewers with similar preferences
  • Time duration of viewer watching
  • The device used,
  • Date, time of day and week watched
  • Searches made within the platform,
  • Re-watched content,
  • Was content paused,
  • User location,
  • Metadata from third parties like Nielsen,
  • Social media data

Netflix knows the importance of data; in 2020, a meagre $2.23 billion was spent on marketing (down 28% YoY), which was considerably less than the $17 billion invested in content. Proving successful with an impressive engagement rate of 90 percent of users consuming original content and 93 percent of shows being renewed past season one (compared to 35 percent in the TV industry).

Banking is no exception

Customers are willing to share their data as long as they receive offerings tailored to their needs, and 54 percent of banking consumers surveyed will consider switching providers if their banks do not offer the services they demand and expect. Yet 94 percent of incumbent banks are not delivering on this hyper-personalisation potential.

Even though banks have access to a goldmine of customer databases, legacy technology, lack of harnessing data analytics, poor understanding of behavioural science, and stringent regulations are stunting modernisation.

Incumbent banks have a negative reputation heavily influenced by the Global Financial Crisis in 2008. Customers believe that their focus is on selling products rather than addressing customers’ needs, placing profits over ethical business practices. With growing frustrations and declining loyalty, customers favour challenger banks that utilise smart devices to offer personalised digital experiences, streamlined journeys, live alerts, accessible, easy-to-use, immersive apps, and frictionless service.

How challenger banks are leading innovation: Starling bank

Founded in 2014 and voted Best British Bank in 2018, 2019 and 2020, Starling Bank is one of the UK’s first mobile-only banks. Promising to give their customers a ‘fairer, smarter, more human alternative to banks of the past.’ Starling Bank promotes ‘the kind of banking features people actually need in today’s world’ by turning terabytes of data into real-time, actionable insights and scaling improved customer interactions.

Starling Bank identifies as a tech company as much as a financial institution. The bank uses tools such as; BigQuery for processing power, Google Cloud‘s Firebase and Firebase Crashlytics to build and run successful apps, produce clear, actionable insights into app issues with robust crash reporting solutions. To help customers track their spending and identify fraudulent transactions, Google Maps APIs are also embedded to provide geographical locations of transactions.

Starling Bank also uses Open Banking compliant APIs, so third-party developers can integrate technologies and provide a broader range of financial products and services, including insurance and investment. They also have the potential to explore more hosting capabilities with open-source Kubernetes and Google Kubernetes Engine to build cross-cloud resilience and avoid dependence on one cloud provider.

Customers have already become accustomed to standardised, easy-to-use digital banking features. From real-time data capture and instant notifications to a quick and easy setup process – it’s no wonder customers are voting with their downloads. Starling also boasts: insights and automatic categorisation of spending, nearby payments, settle up and split the bill features, a ‘goals tool’ to transfer money into savings, a marketplace for smart integrations, the ability to deposit cheques digitally, international payments and transparent fees, access to statements on-demand, in-app overdraft controls, and finally, both the Mastercard and debit cards are made from recycled plastic (first of its kind in the UK).

Empowered staff lead to excellent CX. A straightforward interface enables non-technical employees to navigate the system comfortably, allowing them to analyse and interrogate anonymised data, look for solutions, and add value to the business without relying on an analytics team. Not only is the technology allowing staff to provide better, more efficient service to their customers, but it also reduces the substantial overhead costs for IT departments, rent for multiple branches, in-house staff and uniforms.

Starling Bank contributes its growing success to the continued commitment to innovation. Consistently working on pilot projects using multiple platforms such as Google Cloud AI and Machine Learning allows for transactions to be analysed and continually developed, aiding the improvement of CX, operational efficiency and customer satisfaction.

Best Bank For International Travellers: N26

Named after a 26-side Rubik’s Cube, N26 provides free basic current accounts and a Debit MasterCard to all its customers. Priding itself on being 100% mobile, allowing customers to open accounts within minutes from their smartphones, start spending with a physical card as soon as it arrives, flexible banking in real-time, instant access to personalised spending statistics, free cashback, no hidden or monthly fees, free cash withdrawals, instant transfers via MoneyBeam, inexpensive currency exchange, push notifications and exclusive discounts from brands their customers love.

Voted the best bank for international travellers in 2020, N26 is completely hosted in the cloud, and uses various tools to build and provide an exceptionally seamless, personalised and efficient customer experience on a user-friendly, secure app based platform. In the backend, ELK is used for consistent monitoring and capture of user actions, inbound and outbound http traffic, requests, users, response status and times. Nomad and Saltstack are used for flexibility, Consul for service discovery and configuration management, and Vault for managing security.

By using these developing tech tools, N26 gains invaluable insights enabling the bank to communicate with their customers on their level and offer services that matter to them. N26 is paving the way in an increasingly globalised economy for customers looking to travel the world, on their terms. By creating a best-of-breed partner ecosystem, rather than trying to reinvent service offerings, N26 are able to niche-down on their product and provide free services, therefore, how can incumbent bank’s compete?

Is there room for retail banking?

It’s hard to imagine with costly overheads, archaic legacies and a generalised stubbornness to evolve that traditional banks can survive, let alone compete with the up-and-coming digital disruptors of challenger banks. However, HSBC refuses to get left behind, declaring that CX and personalisation will drive success after Covid-19.

In 2016, HSBC embarked on an ambitious technology transformation to fundamentally change how it serviced its customers. From new ways of working to automation and tooling, an entire overhaul of the global IT function occurred.

Initially, the Bank attempted to crunch the enormous quantity of information through data warehousing systems, but the mixed stack was inefficient. As volumes grew with unstructured data, HSBC turned to Hadoop (Netflix’s system) to foray into open source technologies. However, to integrate all the necessary components, cloud technology was required. “Four years into the journey, we have built an enduring capability to enable personal and relevant customer experiences. We are improving data-driven business decisions that will also support the regulatory agenda. We have various modern Analytics and Machine Learning modules running on massive, curated datasets to support automated decision making for Risk, Financial Crime and Fraud,” says Pradeep Menon, HSBC’s Global Head of Data Engineering.

In 2018, HSBC became the first bank to fight financial crime with artificial intelligence and machine learning. Today, the AI solution has doubled the speed and accuracy of sanctions and money-laundering screening in cross-border payments. It’s undeniable that HSBC is paving the way for other large organisations to follow suit. By leveraging the latest data engineering technologies and utilising accurate analytics tools, personalised CX can be achieved, whilst still adhering to the stringent security, privacy and compliance rules of the sector.


91 percent of consumers are more likely to shop with brands that recognise, remember and provide them with relevant offers and recommendations. Therefore, it’s undeniable that hyper-personalisation driven by accurate data capture and curation is key to continued success.

As we emerge from Covid-19 and the subsequent isolations, a change window presents, providing an unmissable opportunity for companies across all sectors. The choice will be to maintain the status quo and watch the erosion of the customer base, or transform businesses to better engage and service customers. In the financial world, incumbent banks face impending demise if they don’t catch up. Even though traditional banks are not wholeheartedly trusted, they are still the primary source of financial housing for many. Challenger banks are new and disrupting the market. Some people remain unconvinced. Sceptics will be driven by their overwhelming sense of apprehension for the unknown – leaving space for traditional banks to reclaim their status – but not for long.

Customers will likely use both banking options in unison until they fully commit, so it’s imperative that incumbent banks consistently deliver experiences so personalised and seamless – they won’t even think about abandoning ship to their digital rivals.

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Susy A.
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Lynette V. Ortiz

President and CEO     
Land Bank of the Philippines

Ma. Lynette V. Ortiz assumed her post as the 11th President and CEO of the Land Bank of the Philippines on 24 May 2023 following her appointment by Philippine President Ferdinand R. Marcos, Jr.

With over 30 years of experience in banking and finance, Lynette held various senior roles in Risk Management, Treasury, Corporate Finance and Capital Markets in foreign and local institutions. Prior to her appointment, she was the first Filipino CEO of Standard Chartered Bank (SCB) Philippines. She led strategies to grow the local franchise across the various client segments and deliver sustainable financial performance.

During her tenure in SCB, she spearheaded several landmark transactions in both domestic and international capital markets for Philippine and ASEAN issuers. These include the maiden offerings of both LANDBANK and the Development Bank of the Philippines of Sustainability Bonds. She helped the National Government raise funds through global and domestic bond issues, with SCB serving as book runner for foreign currency denominated offerings of the ROP.

She serves as First Vice President in the Board of the Bankers Association of the Philippines (BAP), and is also a member of the BAP Executive Committee.

A strong advocate for diversity and inclusion, Lynette was named United Nations 2021 Philippine Women’s Empowerment Principles Awards Champion for Leadership Commitment, for her role in setting strong corporate commitments and inclusive leadership.

Lynette took her MBA in Finance and Investments from the City University of New York, Baruch College, and her degree in BA in Economics, Cum Laude, from the University of the Philippines.

The Digital Banker Summit

Moving on from FTX: is 2023 the year of CBDCs?
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The world’s preeminent Private Banks and Wealth Managers are demonstrating a committed drive in innovation, advisory, new products and services to meet the sophisticated needs of their clients.

Amid economic activity revival on the back of the Covid-19 vaccine program, organisations moving from business continuity plans to stable working environments, together with the slightest improvement in unemployment numbers, forced the world to adjust to new realities. Coming to terms with the “new normal”, global investors are now on the look-out for attractive and stable investment opportunities.

Needs of Private Wealth customers and families worldwide have drastically changed due to the pandemic and banks have had to accelerate efforts to deploy a multi-channel service strategy and safeguard clients’ businesses and wealth against negative impacts of economic uncertainly.

The Global Private Banking Innovation Awards will recognise the world’s best private banks, wealth managers and asset managers that are championing innovation across advisory, service, products, customer experience and more.

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                  Angelo Madrid

                  Maya Bank

                  Angelo Madrid is the President of Maya Bank, the no. 1 digital bank in the Philippines.

                  Before joining Maya Bank, Angelo served as the Country Manager of Tala Philippines (Tala PH), a US-based fintech lending startup. He also held various executive leadership roles with Citibank, based in New York, including co-founding a fintech startup with Citi Ventures that uses alternative data to help consumers in the US gain access to credit. ​Early in his career, he practiced law at Baker & McKenzie (QT) and Sycip Law, doing banking, project finance, and M&A transactions.

                  Gelo received his bachelor’s degree in Management and Juris Doctor law degree from the Ateneo de Manila University. He completed his MBA from Duke University – Fuqua School of Business.

                  Eugene S. Acevedo

                  President and Chief Executive Officer
                  Rizal Commercial Banking Corporation

                  Eugene Acevedo is the President and Chief Executive Officer of Rizal Commercial Banking Corporation.

                  Under his leadership, RCBC accelerated its business and digital transformation, winning multiple awards in innovation including best digital bank and best retail bank. RCBC also took major strides in sustainable finance resulting in landmark green bond is sues, and its upgrade to Single A ESG rating by MSCI.

                  Eugene serves as Chairman of the Asian Bankers Association (ABA) for the 2021 – 23 term. In 1987, he graduated from the Asian Institute of Management. He completed the Advanced Management Program at the Harvard Business School.

                  An avid learner, he has professional certifications in Clean Power, Customer Experience, User Experience and Digital Marketing from Imperial College London, CX Academy, British Computer Society and Wharton School, respectively.

                  Albert Tinio

                  Co – Chief Executive Officer
                  GoTyme Bank

                  Albert has several years of experience in the fields of fintech, banking, telecommunications, and logistics. He started his career in logistics working for American President Lines and Federal Express. He then moved into telecommunications with two major Philippine telco players, Globe Telecom and Smart Communications. Albert earned Globe’s Leadership Award for significant gains made in growing and expanding broadband services nationwide. He transitioned from telco to fintech after being chosen to lead GCash as President and CEO. During this time, Albert became the founding president of the Philippine E – Money Association.

                  Immediately before joining GoTyme Bank, he was SVP, Digital Payments and Agency Banking for Robinsons Bank. Albert has a Bachelor of Science degree in Hotel and Restaurant Administration from the University of the Philippines and completed the Oxford FinTech Program from the University of Oxford Saïd Business School

                  At the launch of GoTyme Bank in October 2022, Albert explained its differentiator which is providing accessible and affordable products and services with a human touch. He mentioned that to keep the human connection always, GoTyme Bank has kiosks supported by bank ambassadors that are strategically located across the Robinsons ecosystem as well as personal bankers who address customer concerns or issues thru phone calls, emails or chats.

                  Greg Krasnov

                  Founder & CEO
                  Tonik Bank

                  As the Founder & CEO of Tonik (, the first neobank in the Philippines, I’m committed to building a trustworthy and simple banking experience to drive financial inclusion in the Philippines, where the majority of the population remains without bank accounts and without access to formal credit. I am a serial entrepreneur, having previously launched and led/co – led FORUM, Credolab, FLOW, AsiaKredit, and Platinum Bank. Ever since starting my first business at 17, I’ve been passionate about entrepreneurship and problem – solving.

                  I appreciate that in life one needs to have balance. During a two – year sabbatical, I skippered my sailboat SV Blues across Asia. I’m also a musician (check me out on Spotify). And as a resident of eight countries across three continents, and a founder of YPO’s Kyiv Chapter I’ve gained a unique understanding of diverse cultures and perspectives.

                  Throughout my career, I’ve received many accolades that I’m proud of, but what truly matters to me at this stage is the impact I make on people’s lives through my managerial and creative problem – solving skills. I’m a “what you see is what you get” kind of guy who values honesty and open communication. I believe in fostering genuine connections and staying true to my principles, both personally and professionally.

                  If you’re not just going to sell me stuff, feel free to reach out to connect, and let’s explore opportunities to create meaningful change together in the world of fintech and beyond.

                  Lito Villanueva

                  Executive Vice President
                  Chief Innovation and Inclusion Officer
                  Rizal Commercial Banking Corporation

                  Lito Villanueva is the Executive Vice President, Chief Innovation and Inclusion Officer of RCBC, and the Chief Digital Transformation Advisor for the Yuchengco Group of Companies. He is the founding chairman of Fintech, the Philippines’ largest FinTech organization.

                  He is an award-winning thought leader on digital transformation and financial inclusion with 20 years of experience. He institutionalized the country’s first fintech industry code of conduct and code of ethics to protect consumers and published the first Philippine fintech taxonomy book. His efforts have earned him close to 100 global and regional awards including bagging a three-peat for Best Digital Bank from Asiamoney and back-to-back wins for Best Financial Inclusion App from the Asian Banker for RCBC. Some of these recognitions include being among the Top 100 FinTech Leaders in Asia, Mr FinTech of the Philippines by NewsBiz Asia, Chief Innovation Officer of the Year by the London-based The Banker, and among the Top 100 Filipinos in LinkedIn.

                  He has a regular business column Byte in the Philippine Star. He is the Chairman of the South Africa-based Alliance of Digital Finance Associations and a member of the Global Impact FinTech and AIBP Advisory Board. He is the founding president of the BSP Governor Nestor A. Espenilla Jr. Institute for Growth towards National Inclusion, Transformation, and Empowerment (IGNITE).

                  He finished the Cambridge Intellect Leadership Programme in 2019 on Digital Transformation by Design at the University of Cambridge. He completed a Master of Arts in public administration magna cum laude at the University of Santo Tomas and a Master in National Security Administration at the National Defense College of the Philippines.

                  Patrick M Meneses

                  Senior Vice President
                  Chief Data Officer
                  Security Bank

                  Patrick Meneses is the SVP Chief Data Officer of Security Bank, one of the Philippines’ leading universal banks which strives to be the most customer-centric in the industry. Patrick’s focus is building institutional analytic capabilities that have meaningful impact on SBC customers. He specializes in designing the operationalization of data & analytics at scale.

                  Patrick joined Security Bank from a 26-year data & analytics career spanning Big Tech in Silicon Valley to cutting edge solutions in Automotive through more recently consulting the biggest Global Banks throughout ASEAN.

                  Patrick is a featured speaker and thought leader in events throughout ASEAN. He is active in shaping academic curriculum in the Philippines and enjoys mentoring the next generation of Analytic Professionals.

                  Rico Bautista

                  President and CEO
                  Etiqa Life & General Assurance

                  Mr. Rico T. Bautista is currently the President and CEO of Etiqa Life and General Assurance Philippines, one of the few insurance companies in the country with a composite license. With its composite license, Etiqa Philippines is able to offer both life and non-life products in the Philippines market.

                  Mr. Bautista has been in charge of the transformation of Etiqa Philippines since 2019, after the re-branding exercise it did from its former corporate name, AsianLife. Since his joining, he has been in charge of delivering positive growth rates both in the topline and bottomline revenues of the company. He has led the company in fulfilling its promises to its clients, despite the challenging years of the Covid-19 pandemic.

                  He has more than two and a half decades of experience in the insurance (and pre-need) industry focused on strategic direction setting, sales and marketing, distribution management, business building, corporate governance and employee empowerment. His career is marked by his affiliations with PhilamPlans (now PhilPlans), Insular Life, Pru Like UK, Philam Life (now AIA Philippines) and BPI-Philam (now BPI-AIA Philippines).

                  In 2022, Mr. Bautista was elected the President of the Philippine Life Insurance Association (PLIA), the umbrella organization of all life insurance companies operating in the Philippines. He was re-elected as the PLIA President for a second term in 2023. He is also a member of the Philippine Insurance and Reinsurance Association (PIRA), the industry organization of the non-life companies in the Philippines and the Management Association of the Philippines (MAP), the premier management organization in the Philippines. He finished his AB Philosophy degree at the University of Santo Tomas.

                  John Januszczak

                  President & CEO
                  UBX Philippines Corp

                  Edison Tsai

                  President and CEO
                  Seedin Technology

                  As the Executive Director of Seedin Technology Inc., Edison is responsible for managing and developing the Philippines finance market and works closely with other overseas counterparts to ensure the successful expansion and implementation of SeedIn in the Philippines. Edison has over 20 years of experience in the development, management, operations, and consultation of Information Management Projects for major private companies and government agencies in the Philippines. He is also on the Board of Directors of ExpressPay Inc., one of the leaders in Payment Services franchising with over 800 franchised branches since 2016.

                  As an art enthusiast, Edison also founded Unit 256 Ventures Inc., a startup that operates the NFT Marketplace, a pioneer of Fine Arts NFT in Asia that focuses on helping art estates, museums, private collectors, and artists in the preservation of Fine Arts, ensuring copyright of every piece, and future-proofing collections. The platform brings Master-art to the public through NFTs and Fractional Ownership. In his work, he focuses on how through royalty programs, artists can directly profit from their work and have a sustainable perpetual income.

                  He is currently the Chair of Strategic Partnerships for to foster and strengthen relationships with other Fintech Organizations in and outside of the Philippines, and the Chair of the Membership Committee and Board Member of Fintech Philippines Association (FPA) in its mission to promote the Philippines as a global leader in FinTech innovation and expanding its membership base.

                  Prior to SeedIn, he worked with the Department of Trade and Industry (DTI) as its Chief IT Consultant for implementation of key IT projects involving business registrations. This includes collaborations with various government agencies such as Securities and Exchange Commission (SEC), Cooperative Development Authority (CDA), Bureau of Internal Revenue (BIR), Social Security System (SSS), Home Development Mutual Fund (Pag-IBIG), Philippine Health Insurance Corporation (PhilHealth), Local Government Units (LGUs) and other permit/license-issuing agencies.

                  He is also the founding CEO of Sigmasoft Technologies, that was acquired by Touch Solutions in 2011, before the company went public on the Philippine Stock Exchange. Edison holds a degree in Master of Science in Information Technology (MSIT) from De La Salle University.

                  Manish Bhai

                  Manish Bhai

                  Founder & CEO
                  UNO Digital Bank

                  UNO Digital Bank

                  Manish Bhai is the Founder, President & CEO at UNO Digital Bank (UNObank Inc.), one of the six licensed and operating Digital Banks in The Philippines and also the Founder at UNOAsia Pte Ltd., the Singapore based fintech that is the primary incorporator of UNO Digital Bank. UNOAsia is the first fintech company in the South & South East Asia region to receive a license outright to operate a digital bank.

                  Manish left Citigroup in mid 2019 to start his entrepreneurial pursuit around digitalisation Manish is a financial services and banking veteran with 30 years of industry expertise, and C-level engagement across the ecosystem. He has extensive experience of clients, products and regulatory landscape in Asia by being in regional and country head roles in multiple locations. He has built and managed diverse businesses including Asia Institutional Sales, Global Markets Indonesia and Singapore, Country Treasury Indonesia and Corporate Structuring & Sales, South Asia. An industry innovator with expertise across Investments, FX & Derivatives, Balance Sheet management, Credit, Sales & Execution, Manish is very passionate about digitalisation and building new solutions.

                  Manish is a HBS alumni, a Fellow Chartered Accountant, Associate Cost Accountant and a qualified Company Secretary with a number of university level and All-India Rank recognitions. He was recognised as the Top 10 Fintech Leaders in the Singapore Fintech Festival (SFF) Global Fintech Awards 2022, and more recently as the CEO of the Year, Asia 2023 by IDC.

                  Renren Reyes

                  Ren-ren Reyes

                  President & CEO
                  G-Xchange Inc.

                  Ren-ren Reyes is the President & CEO of G-Xchange, Inc., responsible for the mobile wallet operations of GCash. He oversees all business units that cover GCash’s Payment and Transfer products. Previous to the role, he was the Chief Marketing and Sales Officer for the country’s flag carrier, Philippines Airlines, and formerly a Director, SVP & Head of the Consumer Business for PLDT and SMART.

                  He has had extensive experience across a broad spectrum of business challenges – from driving new sources of growth from a dominant position in the foods industry with Nutri Asia, pivoting a legacy business into the digital landscape with PLDT, to successfully turning around the biggest and most well-loved business in the Philippines and the region – SMART, Philippine Airlines, L’Oreal’s Consumer Business, Dove Hair in Southeast Asia and Sunsilk in the Philippines. Ren-ren obtains his Bachelor of Science Degree in Management Engineering from Ateneo De Manila University and attended an executive course on Culture Building in CEDEP, INSEAD and General Management in France.

                  Mike Singh

                  Mike Singh

                  Chief Commercial and Revenue Officer
                  UnionDigital Bank Inc.

                  Mike Singh brings a wealth of experience to the table, with a background in both financial services and entrepreneurship.

                  He has successfully founded multiple businesses, and his atest venture, Pera247, a digital lending app, was acquired by Grab Finance in 2021, marking his third successful exit. Mike also spent almost a decade at HSBC Finance North America, where he played a key role in launching Best Buy’s Private Label credit card in China and Mexico, and oversaw General Motors’ co-branded credit card. which had a portfolio of over US$7 billion.

                  Mike holds a Master’s Degree in Business Administration from the renowned Kellogg School of Management in Illinois, USA.

                  Jean-Marc Arbogast

                  Jean-Marc Arbogast

                  Country Manager – Philippines
                  International Finance Corporation

                  Jean-Marc Arbogast is the newly appointed Country Manager for the Philippine office of the International Finance Corporation (IFC), a member of the World Bank Group.

                  Jean-Marc, a French national, was formerly the Adviser to the Vice-President Corporate Strategy and Resources, where he helped formulate and articulate IFC’s strategic priorities while aligning resources to deliver on our ambitious agenda. Prior to that, Jean-Marc was a Senior Investment Officer in the Global Water team where he led origination and execution of transactions in the sector globally, in close coordination with regional infrastructure colleagues. Before joining IFC in 2012, Jean-Marc worked as an investment banker at BofA Merrill Lynch in New York City, advising industrial and agribusiness companies globally on mergers and acquisitions and capital markets transactions.

                  In his new role, Jean-Marc is responsible for all IFC activities in the Philippines, including leading efforts to build its portfolio, developing new upstream opportunities and enhancing its impact.

                  He holds an MBA from Yale University and a Master’s in Aeronautical Engineering from ENSICA, a French engineering school.

                  TG Limcaoco

                  President & CEO
                  Bank of the Philippine Islands

                  Jose Teodoro “TG” Limcaoco (TG Limcaoco) is the President and CEO of Bank of the Philippine Islands (BPI) – the oldest bank in both the Philippines and Southeast Asia, and one of the most established financial institutions in the country. TG was appointed as BPI President and CEO on April 22, 2021. He has served as a Director of the Board and a Member of the Bank’s Executive Committee since February 2019.

                  He is Chairman of BPI Wealth – A Trust Corporation, Bank of the Philippine Islands (Europe) Plc., BPI Capital Corporation, BPI/MS Insurance Corporation, and BPI AIA Life Assurance Corporation. He is Vice Chairman of BPI Century Tokyo Lease & Finance Corporation and BPI Century Tokyo Rental Corporation. He is President and Vice Chairman of BPI Foundation, Inc.

                  Outside of BPI, he is President of the Bankers Association of the Philippines, Chairman of Philippine Payments Management Inc., a Trustee of the Asian Institute of Management, and a Director of AC Mobility Holdings, Inc. He is also a current member of the Management Association of the Philippines, the Financial Executives Institute of the Philippines (FINEX), and the Rotary Club of Makati West (where he is a Past President). Lastly, TG is a Director of Just for Kids, Inc., a homegrown business of his family.

                  In recognition of his outstanding leadership and exemplary communication skills, TG was bestowed the prestigious 2023 Communicator of the Year award under the Executive Leader Category by the International Association of Business Communicators (IABC) Asia Pacific. This award underscores his ability to effectively convey complex ideas and foster meaningful connections within the business community. He also earned the Gold Award in the Best CEO category for the Philippines in Asia’s Best Managed Companies 2023 poll of FinanceAsia. This accolade serves as a testament to his exceptional stewardship and strategic vision, further solidifying his reputation as an exceptional leader in the financial industry.

                  Before coming to BPI, he was the Chief Finance Officer, Chief Risk Officer, and Chief Sustainability Officer of Ayala Corporation, a Philippine Stock Exchange-listed company. He was also the Chairman of AC Energy International, Inc. (formerly Presage Corporation) and the President and CEO of AC Ventures Holding Corp. He was also a Director of the Board of several Ayala companies, including publicly-listed Globe Telecom and Integrated Micro-electronics Inc, and the energy, infrastructure, industrials and healthcare companies of the Ayala group. He was also a director of the companies that operated G-Cash and Zalora Philippines.

                  Previously, he served as President of BPI Family Savings Bank from 2010-2015 and President of BPI Capital Corporation from 2007- 2010. He also served as Officer-in-Charge for Ayala Life Assurance, Inc. and as Director and Chairman of Ayala Plans, Inc.

                  Mr. Limcaoco joined Ayala Corporation as a Managing Director in 1998. Prior to his appointment as Chief Finance Officer in April 2015, he held various responsibilities including Trustee and Treasurer of Ayala Foundation, Inc., President of, and CFO of Azalea Technology Investments, Inc. He served as the President of the Chamber of Thrift Banks from 2013-2015. He was named as the ING-Finex CFO of the Year in 2018. He has held prior positions with JP Morgan & Co. in Singapore and New York and with BZW Asia.

                  He graduated from Stanford University with a BS Mathematical Sciences degree (Honors Program) in 1984 and from the Wharton School of the University of Pennsylvania with an MBA (Finance and Investment Management) in 1988.

                  Hamilton Angluben

                  Founder & CEO

                  Hamilton Angluben is the Founder and CEO of, an insurtech which digitalizes insurance and healthcare distribution. He was previously General Manager of Cashalo, one of the Philippine’s first and largest digital lending apps. He was also a General Manager of Cebuana Lhuilllier, the largest pawnshop chain in the world, where he sold microinsurance and bundled them with bill payments and remittance products.

                  Hamilton is a founding member of the Fintech Alliance Philippines. His education comes from Oxford University, University of the Philippines, and Ateneo de Manila. He holds a Level 3 Certificate in Insurance from the Chartered Insurance Institute.

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