Operator · Loyalty × Fintech × Embedded money
I build how consumers earn, hold, and spend value at scale.
COO of Asia Miles. Global Head of Shangri-La Circle. Launch CMO of Fusion Bank. Today, CMO of Moca Network — working at the convergence of loyalty, identity, and embedded finance.
What I write about
Loyalty economics
How programs actually make money
Loyalty is misread as a marketing cost. It is a balance-sheet business — breakage, liability, and unit economics decide whether a program creates or destroys value.
Read the thinking → 02Fintech go-to-market
Launching and growing consumer finance
Most neobanks fail on the same curve: cheap acquisition, no activation, no path to engagement. Launching a bank is a distribution and trust problem, not a product problem.
Read the thinking → 03Embedded finance
The future of consumer money
The next bank is not an app you download — it is money embedded inside the things people already use. The bridge to mainstream adoption runs through loyalty and identity.
Read the thinking →Building in loyalty, fintech, or embedded money?
I advise and speak on consumer loyalty economics and fintech go-to-market. If the work is in that orbit, get in touch.
Work with me