James Lloyd leads EY’s dedicated financial technology capability across Asia-Pacific, supporting early-stage, growth-stage, and non-traditional financial service providers. James is also an APAC leader 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 governmental and non-governmental advisory panels – including the new business committee of the Financial Services Development Council (FSDC) – and is regularly quoted in local and international media.