Co-founder and CEO of gini, Ray spearheaded the creation of Hong Kong’s first independent personal finance app, which has won several awards and is helping more than 65,000 users master their finances. Now, he’s leading the team to address one of the biggest challenges faced by Hong Kong’s finance industry: data quality. With gini’s enrichment engine delivering clean, enriched transaction data ready for analysis in real time, banks can at last extract the valuable insights needed to transform their services and thrive in an increasingly competitive market.