James Lloyd is a corporate finance strategy partner in EY, and leads the firm’s dedicated fintech team across Asia-Pacific with a particular focus on growth-stage and non-traditional financial services. He is also APAC leader of the firm’s payments practice. Prior to EY, James helped build and scale a venture-backed alternative-finance platform enabling banks to profitably offer short-term unsecured loans to underserved small businesses. Before that, he helped a bootstrapped e-commerce payment gateway combine direct-to-market customer acquisition with white-labelled full-service delivery for partner banks. Based in Hong Kong, James sits on a variety of governmental and non-governmental advisory panels, and is regularly quoted in local and international media.