James Lloyd leads EY’s dedicated financial technology capability across Asia-Pacific, supporting both early-stage and incumbent financial service innovators, while simultaneously expanding the firm’s relationships with regulators, venture capital and other ecosystem participants. James is also an Asia-Pacific lead of the firm’s global payments practice. Prior to EY, James helped build and scale a venture-backed alternative-finance platform enabling banks to profitably offer short-term unsecured loans to underserved small businesses. Before that, he worked with a bootstrapped e-commerce payment gateway combining direct-to- market customer acquisition with white-labelled full-service delivery for partner banks. Based in Hong Kong, James sits on a variety of Fintech advisory panels, including the new business committee of the Financial Services Development Council (FSDC).