and forging relations to grow their businesses.
Ant Group traces its roots back to Alipay, which was established in 2004. Today, we are a world-leading internet open platform. Through technological innovation, we support our partners to enable inclusive, convenient digital life and digital financial services for consumers and SMEs (small and micro-sized enterprises). We have also continuously opened up our technology products and services to support the digital transformation of businesses and facilitate digital collaboration across industries and geographies. Our collaboration with global partners helps merchants better connect with consumers around the world.
BUSD is the largest regulated stablecoin in the world, powered by a partnership between Paxos and Binance, the world’s leading digital asset exchange. BUSD is issued on the Ethereum blockchain, approved and regulated by the New York State Department of Financial Services (“NYDFS”), and issued by Paxos Trust Company, a leading regulated blockchain infrastructure provider.
As a regulated stablecoin, BUSD is held to high standards of operation and customer protections that make it safer than other stablecoins available today. BUSD is backed by only cash and cash equivalents, which are all held by Paxos in reserve accounts. BUSD publishes monthly disclosures of its reserve composition and monthly attestations from a leading accounting firm on its total outstanding supply and reserves.
Because the BUSD reserve assets are held by Paxos Trust, they are what is known as “bankruptcy remote.” This means the dollars backing BUSD are held entirely separate from company assets – the reserve assets are only accessible to the BUSD customer, regardless of what happens to Paxos. BUSD is also “greenlisted” by NYDFS meaning it is pre-approved for use by companies that want to list and use it.
We believe that we’ll reshape finance with trustworthy digital assets and blockchain.
Circle is a global financial technology firm that enables businesses of all sizes to harness the power of digital currencies and public blockchains for payments, commerce and financial applications worldwide. Circle is powering always-on internet-native commerce and payments and is the issuer of USD Coin (USDC) and Euro Coin (EUROC). Today, Circle’s transactional services, business accounts, and platform APIs are giving rise to a new generation of financial services and commerce applications that hold the promise of raising global economic prosperity for all through the frictionless exchange of financial value.
Founded in 2016, Crypto.com serves more than 50 million customers and is the world’s fastest growing global cryptocurrency platform. Our vision is simple: Cryptocurrency in Every Wallet™. Built on a foundation of security, privacy, and compliance, Crypto.com is committed to accelerating the adoption of cryptocurrency through innovation and empowering the next generation of builders, creators, and entrepreneurs to develop a fairer and more equitable digital ecosystem.
Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments and businesses realize their greatest potential. Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.
Founded in 2013, Okcoin is a US-headquartered cryptocurrency exchange serving 190+ countries and territories. The platform enables retail and institutional investors to purchase 50+ digital assets using local currencies, with a mission to make crypto easy for everyone including first-time buyers. Okcoin was the first centralized exchange to offer direct entry into decentralized finance (DeFi) with Earn, a tool for earning APY through decentralized lending, liquidity pools, staking, and more. In addition, Okcoin offers institutional trading tools and APIs to asset managers, venture capital and hedge funds, retail brokers, payment processors, and more.
Follow Okcoin on Twitter at @Okcoin
Prudential Assurance Company Singapore, an indirect wholly-owned subsidiary of UK-based Prudential plc, is one of Singapore’s leading life insurance companies. We are one of the market leaders in protection, savings and investment-linked plans, with S$53.3 billion funds under management as at 31 December 2021. In testament to our financial strength, we have an ‘AA-’ financial strength rating from leading credit rating agency Standard & Poor’s.
We have been serving the financial needs of Singapore for 91 years, delivering a suite of product offerings and professional advisory through our network of more than 5,000 financial consultants and our bank partners. Our corporate and small and medium-sized enterprise clients benefit from our specialised enterprise business solutions. We also offer a dedicated advice and service-led offering, Opus by Prudential, to our High Net Worth customers.
We care about our close to 1 million customers and are committed to helping them live well for longer by taking care of their health and wealth needs. Our 1,200 employees make it their goal to create the best customer experiences and to help people get the most out of life.
Tencent is a world-leading internet and technology company that develops innovative products and services to improve the quality of life of people around the world. Founded in 1998 with its headquarters in Shenzhen, China, Tencent’s guiding principle is to use technology for good. Our communication and social services connect more than one billion people around the world, helping them to keep in touch with friends and family, access transportation, pay for daily necessities, and even be entertained. Tencent also publishes some of the world’s most popular video games and other high-quality digital content, enriching interactive entertainment experiences for people around the globe. Tencent also offers a range of services such as cloud computing, advertising, FinTech, and other enterprise services to support our clients’ digital transformation and business growth. Tencent has been listed on the Stock Exchange of Hong Kong since 2004.
iCapital’s mission is to power the world’s alternatives marketplace. The company delivers this through its technology platform that drives access, efficiency, and transparency in private markets globally.
Founded in 2013, iCapital has transformed how the wealth and asset management industries deliver access to private markets for individual investors by providing intuitive, end-to-end technology and service solutions.
Wealth Managers benefit from iCapital’s technology solutions to facilitate access for their private clients to quality private markets funds at lower investment minimums and with a simplified digital experience as well as extensive asset class and fund-level training and education.
Asset Managers are taking advantage of the benefits of iCapital’s technology to efficiently access the wealth management channel as a new fundraising pool by effectively aggregating small individual investments into institutional-size investments.
iCapital’s technology enables wealth and asset managers to streamline and scale their operational infrastructure while seamlessly connecting the entire investment and service ecosystem.
As of August 31, 2022, iCapital services more than US$139. billion in global client assets across the network, of which US$33 billion are from international investors (non-US Domestic) Employing more than 1,000 people globally, iCapital is headquartered in New York with offices in Zurich, London, Lisbon, Hong Kong, Singapore, and Toronto.
Temasek is an investment company with a net portfolio value of S$403 billion (US$297b, €268b, £227b, RMB1.89t) as at 31 March 2022. Temasek’s Purpose “So Every Generation Prospers” guides it to make a difference for today’s and future generations. The Temasek Charter defines its three roles as an Investor, Institution and Steward, and shapes its ethos to do well, do right and do good.
Sustainability is at the core of all that Temasek does. It is committed to catalysing solutions to global challenges and activating capital – financial, human, social and natural – to bring about a better and more inclusive world for all. Temasek has overall corporate credit ratings of Aaa/AAA by rating agencies Moody’s Investors Service and S&P Global Ratings respectively.
Headquartered in Singapore, it has 12 offices in 8 countries around the world: Beijing, Hanoi, Mumbai, Shanghai, Shenzhen and Singapore in Asia; and London, Brussels, New York, San Francisco, Washington DC, and Mexico City outside Asia.
Established in 2017, Tokenize Xchange is a Singapore-headquartered and one of Asia’s Leading Digital Assets Exchanges (DAX) with its own native token TKX. Currently operates under an exemption from the Monetary Authority of Singapore and has applied for a Digital Payment Token License. and allows the trading of over 80 cryptocurrencies, including Bitcoin, Ethereum, and altcoins. Being one of the early entrants into Singapore’s digital asset space, Tokenize Xchange is one of the few exchanges in Singapore that allows users to buy cryptocurrencies in Singapore dollars. The platform facilitates fund top-ups through a variety of methods, including debit/credit cards,
direct bank transfer, StraitsX, GrabPay, and swaps from stablecoins. To protect its users from potentially dangerous schemes in the crypto market, Tokenize Xchange constantly conducts extensive research and has established partnerships with Bitgo and Fireblocks to provide safe custody of digital assets. In 2020, Tokenize Xchange was one of the first three digital asset exchange operators to receive full approval from the Securities Commission Malaysia and is the second largest DAX by traded market share. Its growth in Malaysia has led to Kenanga Private Equity Sdn Bhd, the private equity arm of Kenanga Investment Bank Berhad, acquiring a 19.0 percent equity interest in Tokenize Xchange’s Malaysian entity in February 2021.
UOB is a leading bank in Asia with a global network of around 500 offices in 19 countries and territories in Asia Pacific, Europe and North America. Since its incorporation in 1935, UOB has grown organically and through a series of strategic acquisitions. UOB is rated among the world’s top banks: Aa1 by Moody’s Investors Service and AA- by both S&P Global Ratings and Fitch Ratings. In Asia, UOB operates through its head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia, Thailand and Vietnam, as well as branches and representative offices across the region.
Over more than eight decades, generations of UOB employees have carried through the entrepreneurial spirit, the focus on long-term value creation and an unwavering commitment to do what is right for our customers and our colleagues. We believe in being a responsible financial services provider and we are committed to making a difference in the lives of our stakeholders and in the communities in which we operate. Just as we are dedicated to helping our customers manage their finances wisely and to grow their businesses, UOB is steadfast in our support of social development, particularly in the areas of art, children and education.
The Crédit Agricole Group is the leading partner of the French economy and one of the largest banking groups in Europe. It is the leading retail bank in Europe as well as the first European asset manager, the first bancassurer in Europe and the third European player in project finance.
Built on its strong cooperative and mutual roots, its 147,000 employees and the 30,000 directors of its Local and Regional Banks, the Crédit Agricole Group is a responsible and responsive bank serving 53 million customers, 11,2 million mutual shareholders and 800,000 individual shareholders.
Thanks to its universal customer-focused retail banking model – based on the cooperation between its retail banks and their r elated business lines –, the Crédit Agricole Group supports its customers’ projects in France and around the world: day-to-day banking, home loans, consumer finance, savings, insurances, asset management, real estate, leasing and factoring, and corporate and investment banking.
Crédit Agricole also stands out for its dynamic, innovative corporate social responsibility policy, for the benefit of the economy. This policy is based on a pragmatic approach which permeates across the Group and engages each employee.
Google Cloud accelerates every organization’s ability to digitally transform its business. We deliver enterprise-grade solutions that leverage Google’s cutting-edge technology – all on the cleanest cloud in the industry. Customers in more than 200 countries and territories turn to Google Cloud as their trusted partner to enable growth and solve their most critical business problems.
HashKey Capital is an asset manager investing exclusively in blockchain technology and digital assets, managing over US$1 billion in client assets since its inception. As one of the largest crypto funds based in Asia and known for being Ethereum’s earliest corporate investor in the region, its mission is to bridge crypto to the mainstream while connecting Web2 and Web3. HashKey Capital operates in Hong Kong and Singapore, with strong connections in Japan and the U.S., and has invested in over 200 projects from public chains, protocols, DeFi, CeFi, Web3 infrastructure, NFT to Metaverse since 2015. With deep knowledge of the blockchain ecosystem in the region, it has built a robust network connecting entrepreneurs, investors, developers, community participants, and regulators.
Income Insurance Limited (Income) is one of the leading composite insurers in Singapore, offering life, health and general insurance. Established in Singapore in 1970 to plug a social need for insurance, Income continues to serve the protection, savings and investment needs of individuals, families and businesses today. Its lifestyle-centric and data-driven approach to insurance and financial planning puts Income at the forefront of innovative solutions that empowers better financial well-being for all. For more information, please visit www.income.com.sg.
Ingenico is the global leader in payments acceptance solutions. As the trusted technology partner for merchants, banks, acquirers, ISVs, payment aggregators and fintech customers our world-class terminals, solutions and services enable the global ecosystem of payments acceptance. With 40 years of experience, innovation is integral to Ingenico’s approach and culture, inspiring our large and diverse community of experts who anticipate and help shape the evolution of commerce worldwide. At Ingenico, trust and sustainability are at the heart of everything we do.
J.P. Morgan’s Payments business combines the firm’s treasury services, trade, commercial card and merchant services capabilities to help clients pay anyone, in any currency, anywhere in the world. Focused on helping treasury and payments clients navigate changing environments, digital transformation and evolving customer expectations, J.P. Morgan processes $9 trillion payments daily, is the top USD clearer and was the first to offer real-time payment capabilities across USD, GBP and EUR. With the payments landscape is transforming faster than ever, businesses increasingly feel the pressure to digitize their treasury and payments or be left behind. It may seem overwhelming, but you don’t have to go it alone. That’s where J.P. Morgan fits in. We offer digital-first solutions supported by experts who guide clients in any industry, anywhere in the world. We bring the scale of a global bank and the agility of a fintech to transform your treasury.
OCBC Bank is the longest established Singapore bank, formed in 1932 from the merger of three local banks, the oldest of which was founded in 1912. It is now the second largest financial services group in Southeast Asia by assets and one of the world’s most highly-rated banks, with Aa1 by Moody’s and AA- by both Fitch and S&P. Recognised for its financial strength and stability, OCBC Bank is consistently ranked among the World’s Top 50 Safest Banks by Global Finance and has been named Best Managed Bank in Singapore by The Asian Banker.
OCBC Bank’s key markets are Singapore, Malaysia, Indonesia and Greater China. It has more than 450 branches and representative offices in 19 countries and regions. These include over 220 branches and offices in Indonesia under subsidiary Bank OCBC NISP, and over 70 branches and offices in Mainland China, Hong Kong SAR and Macau SAR under OCBC Wing Hang.
OCBC Bank’s private banking services are provided by its wholly-owned subsidiary Bank of Singapore, which operates on a unique open-architecture product platform to source for the best-in-class products to meet its clients’ goals.
Oliver Wyman is a global leader in management consulting. With offices in more than 70 cities across 30 countries, Oliver Wyman combines deep industry knowledge with specialized expertise in strategy, operations, risk management, and organization transformation. The firm has more than 6,000 professionals around the world who work with clients to optimize their business, improve their operations and risk profile, and accelerate their organizational performance to seize the most attractive opportunities. Oliver Wyman is a business of Marsh McLennan [NYSE: MMC].
Payoneer (NASDAQ: PAYO) is the world’s go-to partner for digital commerce, everywhere. From borderless payments to boundless growth, Payoneer promises any business, in any market, the technology, connections and confidence to participate and flourish in the new global economy. Powering growth for customers ranging from aspiring entrepreneurs to the world’s leading digital brands, Payoneer offers a universe of opportunities, open to you.
Established in 2017, QCP Capital is a full suite crypto trading firm and global market leader in options, headquartered in Singapore. With deep multi-cycle experience, QCP Capital unlocks new opportunities for clients at the forefront of crypto capital markets through providing institutional-grade liquidity, infrastructure and research. An active early-stage crypto and blockchain investor, QCP Capital’s portfolio includes core trading infrastructure, exchanges, data and token ecosystems. QCP Capital is supported by 80 professionals in trading, business development, operations, risk and compliance teams.
QCP Capital’s insights cover weekly trading updates, monthly and quarterly views, and can be accessed on our official social platforms such as Telegram, Twitter, LinkedIn and more. QCP Capital is an exempt payment services provider pending licensing by the Monetary Authority of Singapore as an MPI for Digital Payment Token services under the Payment Services Act (2019).
Salesforce is the global leader in CRM, bringing companies and customers together in the digital age. Founded in 1999, Salesforce enables companies of every size and industry to take advantage of powerful technologies—cloud, mobile, social, voice, and artificial intelligence—to connect to their customers in a whole new way. Companies trust Salesforce to help them transform their businesses around the customer in this digital-first world.
Salesforce is committed to a set of core values—trust, customer success, innovation, and equality of every human being. Salesforce is one of the leaders on Fortune’s Change the World list, and has been one of Fortune’s 100 Best Companies to Work For, for twelve years in a row.
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Headquartered in Tokyo, Sumitomo Mitsui Banking Corporation (SMBC) is a leading global financial institution and a core member of Sumitomo Mitsui Financial Group (SMBC Group).
SMBC is one of the largest Japanese banks by assets, with strong credit ratings across our global integrated network spanning 39 countries and regions, 15 of which are here in Asia Pacific. We work across SMBC Group to offer personal, corporate and investment banking services to meet the needs of our customers.
Built upon our rich Japanese heritage, we put our customers first and provide seamless access to, from and within the region.
Rising in Asia, with Asia.
Sparrow offers a digital assets trading platform that endeavors to comply with the highest regulatory and cybersecurity standards. We also provide innovative structured products and white-labeled products in Singapore with a focus on digital asset solutions designed to meet the needs of institutional and accredited clients. Furthermore, we have obtained the Major Payment Institution (MPI) licence from the Monetary Authority of Singapore (MAS) to provide Digital Payment Token (DPT) services in Singapore under the Payment Services Act (PSA).
Headquartered in The Netherlands, TerraPay believes that the smallest payment deserves a borderless journey as safe as the largest. The group has been building an ever-expanding payments highway that empowers businesses to create transparent customer experiences with an uninterrupted, secure, and real-time global passage for every payment, however small or large. Registered and regulated across 26 global markets, TerraPay is a leading global partner to banks, mobile wallets, money transfer operators, merchants, and financial institutions, creating a more expansive and inclusive international financial ecosystem. With access to a payments infrastructure that spans the globe, their partners become beacons of the promise of global financial inclusion.
1inch is a top Global DeFi platform that provides one-stop access to decentralized finance. Users can optimize their trades across hundreds of DEXes on multiple networks with 1inch. The platform instantly analyzes thousands of quotes and fees across multiple DEXes to provide users with the best rates.
Accenture is a global professional services company with leading capabilities in digital, cloud and security. Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services and Accenture Song — all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 721,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.
Dubai International Financial Centre (DIFC) is one of the world’s most advanced financial centres, and the leading financial hub for the Middle East, Africa and South Asia (MEASA), which comprises 72 countries with an approximate population of 3 billion and an estimated GDP of USD 8 trillion.
With a close to 20-year track record of facilitating trade and investment flows across the MEASA region, the Centre connects these fast-growing markets with the economies of Asia, Europe and the Americas through Dubai.
DIFC is home to an internationally recognised, independent regulator and a proven judicial system with an English common law framework, as well as the region’s largest financial ecosystem of almost 30,000 professionals working across over 4,000 active registered companies – making up the largest and most diverse pool of industry talent in the region.
The Centre’s vision is to drive the future of finance through cutting-edge technology, innovation, and partnerships. Today, it is the global future of finance and innovation hub offering one of the region’s most comprehensive FinTech and venture capital environments, including cost-effective licensing solutions, fit-for-purpose regulation, innovative accelerator programmes, and funding for growth-stage start-ups.
Comprising a variety of world-renowned retail and dining venues, a dynamic art and culture scene, residential apartments, hotels and public spaces, DIFC continues to be one of Dubai’s most sought-after business and lifestyle destinations.
Microsoft enables digital transformation for the era of an intelligent cloud and an intelligent edge. Its mission is to empower every person and every organization on the planet to achieve more.
Polygon is the leading blockchain development platform, offering scalable, affordable, secure and sustainable blockchains for Web3. Its growing suite of products offers developers easy access to major scaling solutions including L2 (ZK Rollups and Optimistic Rollups), sidechains, hybrid, stand-alone and enterprise chains, and data availability. Polygon’s scaling solutions have seen widespread adoption with 37,000+ decentralized applications hosted, 2B+ total transactions processed, 165M+ unique user addresses, and $5B+ in assets secured. Polygon is carbon neutral with the goal of leading the Web3 ecosystem in becoming carbon negative.
TRM Labs provides blockchain intelligence to organizations who need to detect, assess, and investigate crypto-related fraud and financial crime. Trusted by financial institutions, crypto businesses and government agencies around the world, TRM’s risk management platform includes tools for crypto wallet screening, transaction monitoring, Know-Your-VASP checks and investigations to trace the source and destination of funds, and offers:
Worldpay from FIS (NYSE:FIS) is a leading payments technology company that powers global commerce for merchants, banks, and capital markets. Processing 79 billion transactions topping $10T for 20,000+ clients annually, Worldpay lifts economies and communities by advancing the way the world pays, banks, and invests. We create secure and scalable innovations that connect commerce across all geographies and sales channels. The company’s integrated technology platform offers a unified and comprehensive solution set to help clients run, grow, and achieve more for their business. With a 50+ year history in financial services, we remain ahead of the curve to outpace today’s competitive economic landscape. By delivering simple, streamlined, and secure experiences for all of our clients and their customers, we embody commitment to every aspect of the financial services industry.
Established in 2015 in Melbourne, our purpose is to connect entrepreneurs, business builders, makers and creators with opportunities in every corner of the world. Today, Airwallex has a global footprint across Asia-Pacific, Europe, and North America.
Discover® Global Network, the global payments brand of Discover Financial Services, processes millions of cardholder transactions each day. With industry expertise, innovative technology and a closed-loop infrastructure, Discover Global Network provides effective, customized solutions that evolve as needs change. Discover Global Network has alliances with 25+ payment networks around the world, and is led by three Discover businesses: Discover Network, with millions of retail and cash access locations; PULSE®, one of the leading ATM/debit networks in the U.S.; and Diners Club International®, a global payments network with acceptance in over 200 countries and territories. For more information visit DiscoverGlobalNetwork.com
JCB was founded in 1961 and is the first and only international payment network from Japan. Today, JCB’s 146 million cards are accepted at over 39 million merchants globally. Between 2017 and 2020, JCB’s global e-commerce payment volumes doubled while its ASEAN card base tripled. In June 2021, JCB established the ASEAN Business Enhancement and Creation Department in Singapore to spearhead JCB’s strategic investment and strategic alliance initiative in ASEAN’s fintech and payments industry. Through this, JCB aims to accelerate the expansion of its card acceptance and issuance business in ASEAN and beyond, by leveraging new technologies to complement its own technologies and experiences in Japan. For example, in January 2022, JCB announced a US$5m strategic investment into Malaysia’s award-winning fintech company, Soft Space.
The NETS Group is a leading payments services group, enabling digital payments for merchants, consumers and banks across the entire payments value chain. The Group operates Singapore’s national debit scheme enabling customers of DBS Bank/POSB, HSBC, Maybank, OCBC Bank, Standard Chartered Bank and UOB to make payments using their ATM cards or mobile devices at more than 120,000 acceptance points in the country as well as online payments.
The NETS network also accepts NETSPay, UnionPay and BCA cards, and includes 54,000 Unified POS terminals and 96,000 QR acceptance points. NETS is also the issuer of CashCard and FlashPay cards. The NETS Group manages and operates Singapore’s clearing and payment infrastructure for core electronic transfer services FAST, Inter-bank GIRO and PayNow. It is the market leader providing payment and clearing solutions (Real-Time Gross Settlement system and Cheque Truncation System) in the region.
NETS is a member of the Asian Payment Network and a council member of UnionPay International.
Founded in 2015, PingPong is a leading technology company built on the global vision that empowers cross-border digital commerce to grow. We are one of the largest payment and digital trade solution providers serving ~1 million global customers. Our one-stop, compliant and comprehensive suite of products include e-commerce payment, B2B trade payment, acquiring service, card issuing, FX management, supply chain finance, VAT tax services, enterprise solutions, business intelligence software and more.
Today, PingPong has accommodated business flows from over 200 countries/regions. Our tested and proven global infrastructure has processed over $80 billion transaction volume and connects over 100 international e-commerce marketplaces and ecosystem partners, as well as over 100 international financial institutions. PingPong has established more than 20 global offices and holds relevant payment, forex, financing and internet operation licenses and permits in the world’s largest economies including the U.S., Europe, Greater China, Japan and India.
SUNRATE is the intelligent global payment and treasury management platform for businesses worldwide. Since its inception in 2016, we are recognised as the leading provider of cutting-edge payment and treasury management products. We have enabled companies in 130+ countries with our proprietary platform, extensive network, and robust APIs to scale local and global growth.
With offices in Shanghai, Hong Kong, Tokyo, Singapore, Jakarta, and London, SUNRATE partners with the top global financial institutions, such as Citibank, Standard Chartered Bank, Visa, and Mastercard. We are licensed and regulated by the Financial Conduct Authority of the UK, the Bank Indonesia, the Hong Kong Customs as a Money Service Operator, and the Monetary Authority of Singapore as a Major Payment Institution.
Tyme is a multi-country digital banking group, focused on bridging the digital divide in emerging markets, by integrating into physical retail ecosystems. Headquartered in Singapore with offices in Hong Kong and Ho Chi Min City, Tyme designs, builds, and commercializes digital banks for the mass market, with a particular expertise in serving under-served and under-banked populations. Tyme’s flagship operation is TymeBank, with more than 5 million customers in South Africa since launch in February 2019. Tyme’s hybrid model of digital banking and physical service has made banking accessible to South Africans across the economic spectrum with one in every eight eligible South Africans holding a TymeBank account. Tyme is launching its second bank in the Philippines, GoTyme, and has applied for a banking license in Pakistan.