Ken Yong

Lead the bank’s enterprise-wide AI and digital change agenda, translating strategy into execution with a clear focus on business outcomes, governance, and scale. My mandate spans embedding AI across core business functions, modernising operating models, and enabling the organisation to adopt AI safely, responsibly, and productively

Scaled consumer digital banking to handle 98% of total account openings, with >50% via self-service eKYC, 40% of personal loan disbursements, doubled credit card base through Virtual Credit Card (VCC), and generated >RM5m revenue from remotely executed wealth transactions Modernised branch operations by replacing legacy BDS with Branch-in-Tablet and digital onboarding, enabling seamless face-to-face and remote contactless banking Pioneered Virtual Credit Card (VCC) innovations: 2023 – Dynamic card numbers for enhanced security and customer control 2022 – First embedded banking VCC in-market (MCash), expanded to 10+ partner apps Launched remote wealth management for PB clients, enabling end-to-end digital application, authorisation, and servicing Delivered mobile eKYC onboarding across deposits, personal loans, and credit cards, and introduced 10-minute conditional digital personal loan approval Built inclusive growth platforms including Cash2Home and LEO, enabling large-scale SME, foreign, and local workforce onboarding

Drive business focus into electronic channels building a sustainable franchise of e-deposits and FX income online for retail banking and grew business banking BizSmart cash management customers operating balance 6x over 3 years in operation.

Drive business transformation to adapt the bank to a new market relevant customer outreach strategy, retail format, products and services brought about by a fundamental shift towards a digital lifestyle. Launched Hong Leong Connect, a converged Online & Mobile Banking Services. Innovated the first mobile to mobile payment in the region branded Pex laying down a digital business roadmap targeting retailing industry. Scaled the adoption of web banking 6x the yearly acquisition run-rate and driving cost to serve down by 2x including migrating OTC transaction to e-channel at a ratio of 1:9. Double channel fee income and delivered cost effective internet facing shared infra to host multiple banking services covering 5 apps and 7 websites.

Client focused advisory to address IT challenges within FSI, Telco and Government. Client engagement, account management, presales, professional services for both local and regional scope. Key clients and projects includes Maybank2u, CIMB, Telekom, MoE, MOSTI, ITIS.

Developed and deployed transaction and Internet services to general public via a network of Internet Kiosks equipped with WiFi hotspots at strategic locations in major towns in Peninsula Malaysia and East Malaysia.

Delivered the 1st Commercial Internet Service Provider Other notable projects includes Fish*net Trading & Charting software & services, Web-based listed companies fundamental database for KLSE and deliver a fundamental database services to 3 trading softwares.

Client engagement and delivery for a myriad of internal and external projects for Peat Marwick Consultants. Notable projects involved includes Bank Pertanian Malaysia modernisation and Indah Water privatisation.