Kembla: A FinTech Podcast

In this episode, we look at one of the most frequently discussed topics in finance - Cryptos and Defi.

Our Co-Hosts Wai Yan and Pascal shed some light on their personal journey that has led to their involvement in the Crypto and Defi ecosystem.

In this active discussion, they reveal their personal thoughts on opportunities and risks behind dealing with Cryptos. They also touch upon passive income by staking/farming and how to develop a secure set up to leave no chance for hackers.

Both Pascal and Wai Yan have been actively following the Crypto trend. Wai Yan started investing in Bitcoin and different Altcoins a few years back. Pascal has co-authored a scientific paper about cryptos around 3 years ago. He has also co-founded and scaled a crypto project on Avalanche blockchain and successfully launched a token in an IDO. As ecosystem development lead he is also involved in exchange listings and staking opportunities.

Both of our Co-Hosts already manage to earn passive income on their cryptos yet it came with several set backs. From getting started to loosing +20kUSD, they experienced it all.

Tune in if you are curious about Cryptos and Def, if you are just getting started or if you are an experienced Defi user. We certainly got some exciting stories to tell!

In this episode, we talk about our 5 best tips on personal finance. We always have this one friend who would run to a shopping mall and buy themselves "self-rewards" as soon as the pay check comes in, and ends up complaining about how they don't have enough balance as the month goes halfway. Lacking of these financial knowledge would result most of us living a life we wouldn't want.

We used to be like our friend too,  but with proper readings and learnings, we pulled ourselves out of the trap and got better at managing our money. We'd like to share our 5 best tips on how to budget, spend, save and make your money work for you.

If you want to understand the tips and tricks of personal finance, tune in today to learn more.

Our pick on budgeting app: Money Lover
Read: Rich Dad Poor Dad
Watch:  Sheldon Evans, Graham Stephan

In this episode we talk to Gregor Arn, an evangelist for inclusive financial services and passionate FinTech entrepreneur since 2014 with a focus on emerging markets. Gregor launched the first social payments app in the Philippines prior to starting Wallet Engine, a Singapore-based wallet-as-a-service provider that powers embedded finance in cross-border apps.

His passion is mobile money and how it can be used to improve people's life. He focuses on financial technology and regulation to make borderless payments between people (P2P) and between devices (IOT) instant and seamless. His specialty lies in the emerging methods of money transmission, specifically in small-value cross-border transactions and “last mile” connectivity. He lives and breathes emerging markets and loves great coffee, whiskey, chess and drones.

Gregor and his team recently launched a decentralised market place connecting the two worlds of Decentralised Financial products and Centralised Financial products - through VSO tokens on Avalanche blockchain. If you are interested to check out what VSO is all about, make sure you follow Verson Finance on Twitter and Telegram. 

Wallet Engine: https://www.walletengine.io/

Verso Finance: https://verso.finance/

In this episode we sit down with Dr. Oriol Caudevilla on Central Bank Digital Currencies (CBDCs). Oriol is a true expert when it comes to FinTech. Currently he works as a Management Consultant at AirHelp while holding several advisory roles at Fintech/Wealth/Blockchain Tech companies such as ixFinTech Advisor (Hong Kong), ETFCool, Alpha Bright Asset Management, ScallopX and the Israel Blockchain Association. He is also currently a mentor for several different Accelerator programs and FinTech Start Ups across Asia.

Oriol is Fellow at the Digital Euro Association (D€A) and at the Singapore University of Social Sciences (SUSS), as well as Honorary Fellow at the Asian Institute of International Financial Law -AIIFL- at the University of Hong Kong (HKU). He is member of the Singapore FinTech Association (SFA) as well as FinTech Australia.

Furthermore, he publishes articles in several media, including China Daily (both the Global and Hong Kong Edition) and Macau Business. He has given talks and seminars on the Chinese financial system, central bank digital currencies and the Digital Yuan in several universities in the US, Canada, Mainland China, Hong Kong and Macau, as well as in international conferences, like the recent Israel/UAE FinTech Week, the Future of FinTech Saudi Arabia event and the Greater Bay Area Blockchain Week.

Tune in for some great insights to the development and use cases of central bank digital currencies.

In this episode, we chat with The Digital Wayfinder aka George Siosi Samuels who is the Managing Director of Faia, a community-tech consultancy, and founder of Hona, a blockchain-based social accountability platform. Responsible for negotiating a deal that led to Tuvalu 🇹🇻 being one of the first UN-seated nations to adopt blockchain technology as a national ledger, George helps leaders with potential navigate new digital oceans. Having been named one of Australia’s Top Community Builders by Pause Fast, and featured by the likes of Entrepreneur, Tech In Asia, and Slack, he constantly looks for ways to build communities that last.

Thanks to his diverse carer, unique upbringing, and Polynesian roots, George understands the concept of community as a part of his culture. With time, he extended his understanding into a strong concept-driven approach to community building for various startups including Draper Startup House, co-working spaces such as Dimension and Hub Australia, legal tech firms such as LawAdvisor and blockchain-based companies like HandCash.

With more than 8 years of experience across Asia Pacific as a community builder, and 8 years in both the Bitcoin space and FinTech (combined), George is a true expert at building communities for ventures and loves motivating people into action.

We were blown away by how George builds the bridge between blockchain and communities, so fasten your seatbelt tuning into this episode (if you are driving).

Bonus: George resonates the song "We know the way from Moana". 

In this episode, Kembla unfolds how one of its hosts, Pascal has found his passion for FinTech and what his dreams and aspiration are. Pascal grew up in the "green heart of Germany" and left his first job at a corporate at age 18 to pursue higher education and see the world inspired by an entrepreneur and his former sensei. Before starting university he moved to New Zealand - worked as truck driver, kiwifruit picker, door to door sales man for oil paintings and started finding true-peace and joy in mountains especially reaching the summit. When he was 20 years old, he started university in Germany. During this time he struggled to find the subject he was really passionate about which had led to the decision to try out as much as possible and read every book he could get his hands on. By trying everything, he was certainly not exaggerating. Completely unprepared, he went for several adventures conquering mountains in Nepal, challenging harsh weather in Norway while cycling for two months to the north without any preparation, rather only with a goal in mind to reach the arctic circle. He has worked for a german corporate in Tokyo, organized several events at university and tried himself as a freelance data analyst.  At age 23 he moved to Seoul for his last semester where he also joined Wallet Engine, a Singapore based FinTech aiming to reduce complexities for small value cross border payments.

Is that all? Find out in the podcast. 

In this episode, Kembla unfolds how its very own podcast host, Wai Yan aka The Man with a Luggage, has led his entrepreneurial journey this far. As the title says, he lives with just a luggage - calling the world his home. Having grown up in a poor family in Burma, he learned the meaning of financial freedom the hard way. When it comes to education, he has a very different perspective on the concept. Wai Yan dropped out of two universities from two different countries, and joined an EdTech startup in Burma which was incubated in Silicon Valley, when he was 18. Meantime, he lived across Southeast Asia and worked as a digital nomad. At the age of 19, he became the General Manager of Draper Startup House in Yangon - a global network of physical locations for entrepreneurs to work, visit, live and connect with an added layer of entrepreneurial education and access to venture capital. He then moved to Malaysia to cofound a smart vending machine company, namely, Vechnology a month after his 21st birthday. Given all these unconventional experiences, he is also an incoming Masters in FinTech student at Manchester Metropolitan University. 

Wondering how Wai Yan has become who he is today? Tune in to learn more about him. We promise you wouldn't be disappointed. 

Kembla was born when three entrepreneurs; Wai Yan from Burma, Yunji from South Korea and Pascal from Germany met - hence the Trio. For the past decade, we have experienced tremendous changes in the financial services industry. Traditional banks and FinTech startups are relentlessly competing to reinvent the existing products as well as to create new and innovative financial solutions. The race for digitalization has never been more exciting in the financial services industry.  This Podcast brings the listeners all things FinTech and Entrepreneurship in five categories. Kembla Trio presents personal finance tips, FinTech market trends, the nitty-gritty of micro investing, reviews on the existing financial products and services, and exceptional interviews with FinTech professionals and executives on entrepreneurship.