Gary Lam: The Aspiring Tech Leader at Livi Bank Limited, Making the Banking Expe

1. GaryLam:TheAspiringTechLeaderat LiviBankLimited,MakingtheBanking ExperienceSeamless,Secureand Convenient Businessesalwayslooktodevelopableedingedge,'silverbullets',or reinventthewheel.Venturesthatsucceedintheirendeavorsoftenhaveadiversityofsuccessfactors,withdynamicleadershipbeingone ofthem.livibankhasundeniablycarvedanicheforitselfwithits spectacularbreakthroughsasoneofthepioneersinthedigital bankingspace.liviisthefirstbanktointroducetherevolutionarylivi PayLater("BuyNow,PayLater")toHongKongandisgaining popularityamongitscustomers.ItalsointroducedtheMochiNFT artworkcollectible,aninnovativewaytoshowappreciationto supportivecustomers. AsHongKong'sleadinglifestyle-drivenvirtualbank,livibankaims toprovidecustomerswithaunique,fresh,anddifferentbanking experienceanytimeandanywherethatcomplementstheir everyday lives.Thebankisdedicatedtopromotingfinancialinclusionby introducingnewfinancingandinsuranceproductsthatserve customers'needsbothintheirpersonalandbusinesslivesandby providingfinancialoptionsforHongKong'sSMEs. GaryLam:aTechLeaderAspirestoBringPositiveChanges Itisremarkablethatlivihasundergoneexceptionaldevelopmentsand provideddistinctivevaluestothoseontheground.Mr.GaryLam,livi bank'sChiefTechnologyOfficer,isoneoftheleadersbehindthese projects.Gary'sincrediblecareerspansmorethan20years,and throughoutthattime,hehasworkedonseveralfinancialtechnology initiativesandledsizableITteamsacrosstheAsia-Pacificregion. Garymadechangesto thebank'sITinfrastructureanddigital offerings,withanemphasisonimprovingthecustomerexperience.

2. Hisleadershipapproachinvolvesempoweringhisteamtocultivatea climateoftrustandresponsibilityandsupportingtheirprofessional growth.Hevaluesforgingclosebondswithhisteammembers,hearingtheirthoughts,andworkingtogethertoaccomplishcommon goals.Throughencouraginginnovationandnurturinggrowth,Gary hasbeenasuccessfulleaderwhofostersahappyandproductive atmosphereforhisteam.GarystartedhiscareerwithMicrosoftasan AssociateConsultantaftergraduatingwithadegreeincomputer engineering.Hegainedvaluableexpertiseworkingonseveralkey projects.Later,hemovedintothebankingandinsurancesectors, whereherestructuredseveralmajorbanksusingagileapproaches.He contributedtoofferingWeChatbankingforcorporateclients, developingblockchain-poweredtradefinancesystemsandglobaltradetrackingapplications. BeforejoiningliviasChiefTechnologyOfficer,GarywasMorgan Stanley'sExecutiveDirectorandHeadofDigitalandPlatform ArchitectureforthePrivateWealthManagementbusiness.Priorto that,heworkedformajorbankslikeHSBCandJPMorganasHead ofProgramManagementandledAgileTransformationintheAPAC region. TheOpenWorkplaceCultureDrivenbyCreativityand Innovation Atlivibank,GaryintroducedanagilebusinessmodelcalledFormula One(Fast,First,andFearless)andanopenculturethatvalues diversityofthoughtandexperimentationtoinspirecreativityand innovationwhileupholdingapositiveworkenvironment. Byestablishingatop-downvisionandobjectiveandencouragingthe teamtoproposesolutions,Garyempoweredtheteamtosucceedin theirwork.Withinayear,livibank'sITteamofferedSMEbusiness banking,establishedaninsurancegateway,andcompletedtheretail bankingjourney. Theteamhasbeenencouragedtochallengethestatusquoinorderto provideinnovativesolutions,andthus,theyhavesignificantly

3. shortenedthetimetomarket,especiallyfordeliveringnewproducts andservices. livihasastronganddedicatedteamwithextensiveexperiencein financeandbanking,aswellasinthe technology,commercial,and consumersectors.TheagileworkmethodologyintroducedbyGary leveragescross-functionalteamstocreatearapidandflexible customer- drivenworkenvironment. Outstandingtechnologycapabilitiesarefundamentaltolivi.Thebank hasbuiltastrongdigitalplatformwiththeflexibilitytoscaleandis creatingenhanceddatacapabilitiesthatwillactasdriversforthe business.livi'sdigitalcapabilitiesenablespeedto market,personalizedproductsandservices,resourceoptimization,anda robustriskandgovernanceinfrastructurethatcansupportcustomers. livibankhascontinuallydevelopedinnovativesolutionsthat systematicallyaddresscustomers'painpoints.Oneoftheissuesthe financialsectorisdealingwithisthelackofuseabledata,whichmakesitchallengingtoefficientlyprovidecustomerswithcustomized solutionslikealternativedatafinancing,precisionmarketing,andotherspecializedservices. Toaddressthesechallenges,financialinstitutionslikelivibankcan expandtheirservicesandincreasetheiraccessibilitytoalarger varietyof customersbyutilizingtechnicalsolutionstoreducethe marginalcostofeachtransaction.Asaresult,itmaybesimplerto monetizeinvestmentsinfinancialinclusionthroughcostreduction andefficiencyimprovements. TheBusiness-centricTechnologist:MakingaPositiveImpactin Fintech Garyaspirestobeapioneeringleaderinthefintechsector,a business-focusedtechnologist,andsomeonewhodrivesdigital transformationanddevelopscutting-edgetechnologiesthatenhance theconsumerexperience.Heisrecognizedforhistenacity,business- centricapproachtotechnology,andcapacitytouniteadiverseteam to accomplishsharedobjectives.

4. Garyis dedicatedtoadvancinginnovationandenhancingthecustomerexperience.Heaimstocontinueadvancinginnovationatlivibank,expandsthebank'sofferingsandreachandtakespartinthe continuoustransformationofthefintechsectorinthecomingyears. Tocontributetothelong-term,sustainableeconomicgrowthof Hong Kong,heandtheliviteamarepassionateaboutintroducingGBA services.Garyintendsto sharecutting-edgeideaswith nearby marketstoadvancethegoalofbecomingaglobaldeveloper. Inadditiontohisprofessionalachievements,heiscommittedto givingbacktothecommunitywhereverpossibleandimprovingthe livesofothers.HewillcontinuetoleadtheteamtosupportHong Kong'scommunity,advancethedigitalbankingstrategyandgive underbankedcustomersaccesstohigh-qualityservicesatcompetitive prices. "BycapitalizingthestrategiclocationofHongKongandthetalentsofourlocalworkforce,weaimtoscaleupdigitalbanking opportunitiestoprovideourcustomerswithaseamless,enjoyable, andconvenientbankingexperience."GaryLam