I have a stubborn persona and a relentless drive to create a seamless experience, which led us to pivot our strategy during the pandemic. We realized that no hotel could accept Apple Pay at that time, and launching a consumer app was extremely challenging.

The launch of Shopify Payments was perfectly timed and significantly contributed to the company's rapid growth.

The rapid execution of pivots at PayPal, with six major changes occurring within ten months, highlights the importance of agility in startups.

The current payment infrastructure is outdated, having been established in the 1970s, and needs to evolve to compete with modern blockchain capabilities.

Before Selfbook, no hotel could accept Apple Pay, but we introduced digital wallets into the industry to streamline the experience.

The fintech boom was characterized by rapid growth and innovation, but as interest rates rose in 2022, we faced challenges as investment and lending markets froze, impacting our business.

After attending a leadership discussion at Davos, I decided to launch our payment system immediately, understanding the importance of building trust for the future of e-commerce in China and globally.

We faced challenges in providing flexibility in rates and creating a single API for platforms to sell travel without needing to build every component from scratch, which is essential for a fintech company like ours.

The payroll industry was ripe for disruption due to the combination of big incumbents and a fragmented market, allowing us to leverage technology trends like cloud computing and mobile access, while small businesses are finally starting to receive amazing software solutions thanks to recent technology and distribution changes that favor disruptors over incumbents.