As the Founder of Tonik (www.tonikbank.com), 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 fintech companies 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.