The Singapore Fintech Affiliation (SFA) has launched 10 Years, 10 Voices, a publication marking the tenth anniversary of the Singapore Fintech Competition by profiling ten ladies whose work has influenced the event of the sector.
The honourees had been chosen via public nominations and reviewed by a panel from the SFA and the Financial Authority of Singapore.
The report combines trade evaluation with profiles of leaders throughout funds, lending, wealth administration, digital property and monetary infrastructure.
Listed here are the ten leaders celebrated within the report:
1. Adeline Kim, Nation Supervisor, Singapore & Brunei, Visa
Adeline Kim, Nation Supervisor for Singapore and Brunei at Visa, is recognised for shaping Singapore’s funds infrastructure and advancing interoperability initiatives.
Her management contains representing Visa on the MAS Cost Council, the place she contributes to nationwide requirements for funds.
She has additionally overseen stablecoin-related collaborations with DCS, dtcpay and StraitsX, which launched stablecoin playing cards linking Web2 and Web3 fee networks.
Her work highlights Singapore’s push towards regulatory readability and new cross-border fee fashions.
“It’s not nearly hustling extra; it’s about navigating in a different way. Girls in fintech typically deliver a multidimensional lens to management, balancing strategic pondering with empathy, resilience and collaboration.”
2. Amanda Ong, Singapore CEO & World Head of Partnerships, Arta Finance
Amanda Ong, Singapore CEO and World Head of Partnerships at Arta Finance, is profiled for main a partnership-led strategy to digital wealth administration.
She has fashioned collaborations with Financial institution of Singapore and Hong Leong to equip monetary advisors with AI-driven instruments.
She additionally labored with Revenue Advisory FA to introduce a platform designed for high-net-worth purchasers.
Her technique helps establishments navigate margin stress and rising working prices by adopting scalable digital options.
“Expertise is just as highly effective as the issue it solves. The perfect merchandise don’t begin with code – they begin with empathy.”
3. Caecilia Chu, Co-Founder and CEO, YouTrip
Caecilia Chu, Co-Founder and CEO of YouTrip, is featured for her function in constructing a multi-market funds enterprise grounded in private expertise with monetary exclusion.
When cross-border journey shut down in the course of the pandemic, the corporate misplaced most of its transaction quantity in a single day.
Chu responded by growing YouBiz, a B2B platform that expanded the agency’s income base.
She can be an energetic member of the MAS Anti-Rip-off Working Group, the place she contributes to efforts that strengthen person safety as digital fee fraud evolves.
“Be daring, and don’t be afraid to specific your self. If there’s a drawback on the market that you simply imagine you possibly can remedy, construct the answer and be the change you wish to see, no matter your gender.”
4. Charis Liau, Chief Funding Officer, IFS Asset Administration
Charis Liau, Chief Funding Officer at IFS Asset Administration, is highlighted for her management in the course of the early days of the pandemic when she launched an S$8 million SME Assist Fund to handle sudden cashflow disruptions.
The initiative, constructed with assist from corporates and household workplaces, grew to become the primary private-sector programme of its type in Singapore.
It used digital processes for purposes and due diligence, enabling quick deployment of working capital to small companies.
She additionally helped set up a standardised reporting framework for digital lending platforms in her function inside the Singapore Fintech Affiliation’s Market Lending Subcommittee.
“Management in fintech isn’t about gender – it’s about readability of imaginative and prescient, consistency, and the braveness to construct one thing significant.”
5. Huey Ru Lin, Board Member, SGX and Hold Seng Financial institution and Co-Founder, Constructed Completely different Ventures
Huey Ru Lin, a long-time fintech operator and now Board Member at SGX and Hold Seng Financial institution, is recognised for a profession that started earlier than the time period “fintech” was broadly used.
She was a part of PayPal in its early years and later joined Affirm as its founding Chief Working Officer, the place she helped form new methods for customers to entry credit score. Her work has lately prolonged into environmental finance.
At Terraformation, she has utilized classes from digital funds and client fintech to create fashions that make biodiverse forests investable property.
Her focus is on constructing belief for brand new climate-related monetary devices and enabling capital to stream extra successfully into restoration initiatives.
“Do the AND as an alternative of the OR.”
6. Rachel Freeman, Chief Development Officer, Tyme
Rachel Freeman, Chief Development Officer at Tyme, is profiled for her long-standing dedication to monetary inclusion.
Her earlier work included co-creating AFIN and the APIX platform with MAS, which positioned Singapore because the IFC’s fintech hub and fostered cross-border collaboration.
At Tyme, she has led technique and enlargement into the Philippines, Indonesia and Pakistan, providing digital banking providers tailor-made to underserved communities.
Her profession displays a sustained deal with constructing entry to monetary instruments whereas navigating the fragmented regulatory and operational realities of rising markets.
“Play the lengthy sport – this can be a marathon and never a dash.”
7. Rosaline Chow Koo, Founder & CEO, CXA Group
Rosaline Chow Koo, Founder and CEO of CXA Group, is recognised for difficult conventional medical health insurance fashions by making a platform that integrates advantages, wellness and data-driven insights.
After investing her personal financial savings to determine the corporate, she launched the HSBC Life Advantages+ platform, a SaaS resolution that allows cross-selling to the financial institution’s SME purchasers.
CXA is now making ready to wind down after practically twelve years, though components of its platform proceed via companion offers in Singapore, Hong Kong and China.
Her present deal with know-how that helps ageing in place is knowledgeable by her expertise caring for aged kin.
She continues to refine options that handle demographic shifts and rising demand for home-based assist.
“If you attain a fork within the highway, strive to decide on the more durable path because it’ll power you to rise to the event to stretch and develop your expertise.”
8. Samantha Horton, Chief Working Officer, Syfe
Samantha Horton, Chief Working Officer at Syfe, is featured for reworking wealth administration operations and steering the corporate to turn out to be the primary amongst its peer group to achieve profitability in Singapore.
She led the acquisition of Australia’s Selfwealth to speed up regional scale and broaden Syfe’s product capabilities.
Her strategy displays a deal with robust operational self-discipline and the assumption that long-term success in wealth administration is constructed on incremental enhancements slightly than single breakthroughs.
“Don’t ask, don’t get. In the event you don’t advocate for your self then you possibly can’t count on anybody else to. Again your self and also you received’t remorse it!”
9. Sharon Lourdes Paul, Head of Gnosis Enterprise & Ramps
Sharon Lourdes Paul, Head of Gnosis Enterprise and Ramps, is recognised for her early function in growing one of many world’s first compliant SGD stablecoins whereas at StraitsX.
She helped safe early pilots and navigated regulatory issues in the course of the launch of XSGD.
She later based HQ.xyz and led it via an acquisition that required approval by a public DAO vote, one of many first offers of its type.
She additionally co-led the mapping of Singapore’s on-chain ecosystem via Singapore: The Onchain State, a mission that documented builders, infrastructure and capital flows in Web3.
“In fintech, this heightened degree of world consciousness and conviction is a superpower.”
10. Chin Shi Mei, Chief Monetary Officer, Spark Methods
Chin Shi Mei, Chief Monetary Officer at Spark Methods, is profiled for strengthening monetary technique and governance on the buying and selling infrastructure agency because it progressed from early phases to Collection C.
She beforehand served as Treasurer of the Singapore Fintech Affiliation, the place she enhanced monetary governance and helped safe the MAS FSTI Grant.
Her work contains mentoring founders via accelerator programmes, talking at trade occasions and supporting early-stage corporations via sensible steering on finance and operations.
“We don’t must silence feelings to guide – we want t perceive them. Emotional intelligence fuels braveness, empathy, and readability – and it’s one of many biggest strengths ladies deliver to management.”
Holly stated,
“The Singapore Fintech Affiliation’s 10 Years 10 Voices marketing campaign is our means of recognising the ladies who’ve pushed boundaries, redefined management, and impressed a extra inclusive future for finance. True progress comes after we embrace totally different voices and experiences, that’s what retains our concepts daring and our group resilient.
When ladies thrive, ecosystems thrive. By means of our Girls in Fintech Subcommittee and group initiatives, SFA is dedicated to making sure that each voice has a seat on the desk, and that the following era of girls in fintech see not simply function fashions, however open doorways.”
The report closes by noting the rising affect of AI, tokenisation and interoperability in shaping the way forward for monetary providers.
It additionally highlights the necessity for belief, expertise growth and regulatory readability because the sector matures, and requires continued assist for ladies in management to construct a extra inclusive trade.
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