Vishal Tulsian founded Indonesia's first and only fully regulated digital lending startup (FinTech), Tunaiku (www.tunaiku.com) in 2014. Also President Director of Amar Bank (www.amarbank.co.id), Vishal recognised a gap in Indonesia between those with money (already served by big banks) and those without (with no access to financial services). He believes technology can positively impact people's lives to improve their financial awareness/security and saving habits. He successfully scaled up and digitally transformed a traditional banking environment to achieve 25x growth in five years, and set a vision to bring smiles to 200 million faces by 2025, via financial inclusion and literacy. Passionate about innovation, Vishal is a recognised FinTech industry expert, respected digital banking authority, and driver of many revolutionary industry initiatives. A qualified Chartered Accountant and Company Secretary, he also completed the prestigious Harvard Business School Executive Management Program, a Masters degree in the UK, and 40+ certificate courses. He successfully navigated significant initial regulatory opposition and overcame talent attraction issues in the early days to make Amar Bank, one of the Best Places to Work in Indonesia. He is recently awarded as Top Leader on Digital Implementation 2021 by ItWorks Magazine. With senior industry contacts and professional technology business relationships (in Silicon Valley and other global locations), Vishal has contributed to hundreds of media articles. He is regularly invited as keynote speaker/panelist for well-known local and international digital banking events such as MoneyLive, Banktech Asia, Medici Global, and World AI Show.