What happens when you build one of Asia’s most successful digital insurers—then decide to start over?

In this episode of Building Tomorrow’s Insurer, Walter de Oude, Founder and CEO of Chocolate Finance (and previously Founder of Singlife), joins Kanopi CEO Nigel Fellowes-Freeman for an honest conversation about risk, reinvention, and the blurry lines between banking, insurance, and asset management.

Walter shares his journey from actuary to founder, including:

• The hard-won lessons of launching Singapore Life from scratch

• Why branding and customer trust can be a company’s strongest assets

• How he’s now building Chocolate Finance, a capital-light model for smarter, happier money

• What the future of financial ecosystems might look like as banks, insurers, and asset managers converge

This one’s for anyone fascinated by where finance goes next—and what it takes to build something truly new.