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Webinar Synopsis

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The maturity of digital banking in the APAC region allows customers to carry out financial transactions in a much efficient way through secured digital channels. The newly emerging virtual banks also provides affordable access to finance among lower middle-class consumers by reducing the cost of intermediation. How are financial institutions coping with the competitive landscape from the perspectives of technology advancement and regulatory compliance? Can they manage their risks and while maintaining profitability?

In this third webinar of the FinTech Month series, we looked at how heightened competition has been helping to push digital transformation in the banking sector – including the emergence and impact of virtual banks. Our panel of experts shared their views on the growth opportunities, regulatory implications and lessons learnt along the digitalization journey.


  • Sam Ho, chief financial officer and alternative chief executive, Ant Bank (Hong Kong)
  • Siva Raj Jeyarajah, FCCA, executive vice president, Maybank Group
  • Dharmasri Kumaratunge, assistant governor, Central Bank of Sri Lanka
  • Tengfu Li, assistant vice president, analyst, Moody's Investors Services 


  • Fatin Nabila Sam, CFA, credit risk manager, Bank Islam Malaysia Bhd. 

Duration: 1hr 33mins

Recorded on 18 August 2022


Sam Ho
Sam Ho

• Chief Financial Officer of Ant Bank (Hong Kong), one of the 8 virtual banks established in Hong Kong.
• Main focus is on international FinTech banking business in Hong Kong and advising businesses in Singapore, Thailand, Bangladesh and Macau.
• Former Financial Controller of Citi Malaysia.
• Established the first Corporate Treasury function in Citi China for the national implementation of interest rate liberalization and to support international Renminbi business development in 2011.
• Former project management officer of the Citi-Orient Securities Co. formation.
• Certified Public Accountant and Chartered Banker.

Siva Raj Jeyarajah
Siva Raj Jeyarajah FCCA

Siva Raj Jeyarajah is based in Kuala Lumpur, Malaysia. He currently heads the Finance, Methods and Risk Management Department of Maybank’s Group Operations Division. Siva Raj is a qualified Accountant and holds the ACCA qualification and the CPA certification, including a BSc (Hons) from the National University of Malaysia, and MBA from the University of Lancaster UK. He is also a member of the Malaysian Institute of Accountants (MIA) and a fellow of the Association of Chartered Certified Accountants (UK).
Siva Raj joined Maybank in 1995, starting off his career as a Graduate Trainee in Maybank at the Branch, after which he went on to assume roles in Management Reporting, Business Planning, Financial Analysis, Data warehousing and Business Intelligence in the Finance and Global Banking Divisions of Maybank Group. Siva Raj had also represented Maybank on the Supervisory Board of their associate company, Uzbek Leasing International in Uzbekistan, in 2013. In addition to his current role, he is also heading the Group’s internal carbon emission management and reporting function which forms part of the Group’s Sustainability initiative.

Dharmasri Kumaratunge
Dharmasri Kumaratunge

D Kumaratunge is the Assistant Governor in Central Bank of Sri Lanka (CBSL). He has more than 30 years’ experience in Central Banking and worked in several departments in different position including Economic Research, Information Technology Department and Payments and Settlements Department.
D Kumaratunge is the Board Member of Lanka Financial Services Bureau Ltd, Member of the Expert Committee for Digital Banking, Blockchain related Industries, Member of the Steering committee of National Transit Card Implementation Project, Member of the committee to formulate the Regulations to execute digitized system for Spot fine for traffic offences, he worked as Country Director of the SAARC Payment Council (SPC), Alternate Country Director of Sri Lanka in Asian Clearing Union (ACU), Secretary of the National Payment Council which is the highest decision making body of the Payment system of Sri Lanka, Team Leader of the Bank of Korea, Knowledge Partnership Programme on Payment Systems, Member of the Public-Private Dialog on E-commerce Reform & also a Member of the Research Panel of International Labour Organization (ILO).

Teng Fu Li
Tengfu Li

Tengfu Li is an Assistant Vice President – Analyst with Moody’s Financial Institutions Group. Based in Singapore, he is responsible for the credit ratings of financial institutions in Indonesia and Malaysia.
Prior to Moody’s, Tengfu worked at OCBC Bank, where he developed credit risk models.
Tengfu holds a MSc in Accountancy from Nanyang Technological University, and a BEng in Electrical Engineering from the National University of Singapore.

Fatin Nabila
Fatin Nabila Sam CFA

Nabila, CFA, is currently a Credit Risk Manager at Bank Islam Malaysia Bhd. Prior to this role, she held the position of Banking Supervisor at Bank Negara Malaysia, analysing financial institutions’ risk profiles, risk management processes, compliance to applicable laws and regulations, adequacy of capital, and the sustainability of earnings to ensure earnings long term viability.
Nabila was one of the forum speakers for “How Millennial Women are Redefining Leadership at Work” during the CFA Society Malaysia 2019 Career Day. She graduated from The London School of Economics and Political Science (LSE) with a Bachelor's Degree in Accounting & Finance.

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