With nearly 20 years in the financial and banking industry, he has spent more than 14 years specializing in digital banking. His experience spans roles in both Vietnam and international banks, including OCBC Singapore, Commonwealth Bank of Australia, and Maybank Malaysia, where he led digital transformation across Indochina.

Prior to returning to Vietnam, he spent 10 years abroad, earning 3 master’s degrees from top Australian universities and receiving 2 prestigious scholarships from the Australian government for Vietnam’s most outstanding scholars.

At Techcombank, he led a team driving digital banking transformation across multiple domains, including payments and lending, earning international recognition for their work. His leadership contributed to accolades such as Global Finance’s Best Mobile Banking App in Asia Pacific.

He has demonstrated success in digital business strategy within the banking and finance industry by spearheading business transformation and digitization efforts. This includes managing large-scale digital transformation initiatives across multiple countries with diverse cultural contexts, creating new target operating models, fostering innovation through new digital solutions, and mentoring emerging leaders. He is passionate about the convergence of design, technology, and art to develop meaningful, human-centered solutions to customers and to cultivate organizations and cultures that promote this approach.

With 20 years of extensive experience spread over a wide range of roles covering sales administration, operations management and technology transformation, Sumit has developed a strong track record in driving innovation, strategic growth, and customer-centric initiatives.

Sumit has held various leadership positions such as Associate Director, Agency Planning & Reporting in AIA Malaysia and Chief Customer Experience & Digital Officer in AIA Cambodia, where he successfully led teams in defining and executing its long-term business transformation roadmaps and created best-in-class customer experience and processes.

In his most recent appointment at AIA Vietnam, Sumit is responsible for leading the Information Technology Department, leveraging technology, digital and analytics tools to enhance experiences and bring customers superior products on digital platforms. He also expands his leadership of the Customer Department as Interim Chief Customer Officer, ensuring AIA Vietnam is providing leading Customer Experiences across customer journeys of buy, service and claim.

Mark Sage is a subject matter expert in the area of customer retention and specifically loyalty marketing.
He is a highly skilled relationship marketing professional, with a considerable range of best practices and case experiences to contribute.

Speaking Summary

As Chief Experience and Membership Officer, Mark manages the loyalty strategy at Masan Group, supporting our consumer facing businesses including WinCommerce, the largest modern trade retailer in Vietnam, as well as Masan Consumer, one of the largest local FMCG companies in Vietnam.Mark is responsible for ensuring customers are truly recognized and rewarded however they shop with Masan companies and helping to deliver the Masan vision ‘to be the pride of Vietnam by winning the love of consumers’.
Prior to Masan, Mark was COO at DFI owned yuu Rewards and responsible for the design, development and launch of the first truly digital coalition loyalty program – yuu Rewards; now the largest consumer platform in Hong Kong, serving over 5m members across 50 different brands and since launched in Singapore.
Mark also recently worked as VP Loyalty for LVMH owned luxury duty free retailer, DFS, successfully launching their global loyalty program, DFS CIRCLE, running in 14 countries, 10 currencies and 7 languages.
In his earlier carrier, Mark spent over 20 years working within loyalty agencies and providers at companies such as Carlson Marketing, Aimia and Eagle Eye, providing both proprietary and coalition loyalty solutions, consulting and design.
With a background in marketing communications, consulting, data science and digital development, Mark unites the strategy and theory around customer retention marketing with the art of the possible with regard to product delivery. A keen advocate of relationship marketing and the psychology behind customer behavior, Mark brings a different perspective on customer loyalty.

Corporate Biography

Mark is Chief Experience and Membership Officer (CXO) at Masan Group, one of the largest consumer facing businesses in Vietnam, managing loyalty strategy, marketing, data and delivery.
Mark has worked in loyalty marketing for over 20 years and gained extensive experience of consumer orientated marketing programs, having implemented and consulted on loyalty & CRM solutions for clients across financial services, grocery, travel, telco, retail and CPG.

Dr. Vo Xuan Hung, is the Chief Operations Officer at Generali Vietnam, one of the leading life insurance companies in the country. With over two decades of experience in operations, technology, and business transformation across multinational corporations, Dr. Hung has established himself as a strategic leader driving innovation and efficiency in complex organizational environments through innovative digital solutions (eApp, eKYC, OCR, API…), agile methodologies, and promoting collaboration through technology. His passion and expertise lie in understanding business and user needs, optimizing processes, integrating advanced technologies to deliver operational excellence and sustainable growth, and foster a collaborative work environment. As a thought leader in the field, Dr. Hung is dedicated to helping organizations navigate the complexities of digital transformation and achieve sustainable growth in the digital age.

A dynamic, business-driven consumer and commercial marketing leader with a unique blend of general management, operational savvy, and brand marketing expertise. +18 years of brand building across diverse categories for world-leading companies including LIXIL, VinFast, Microsoft, and Alibaba. Known for achieving results through creating and motivating collaborative teams with the ability to anticipate consumers' needs which exceed expectations leading to market growth year over year.

Phuong Luu is currently Head of Marketing and CX at LIXIL Vietnam – a global pioneering maker of water and housing products, where she oversees both B2B and B2C marketing strategy and initiatives to deliver top-line and bottom-line growth. Previously Phuong took over the role Head of Brand Marketing at VinFast, part of Vingroup – the largest private enterprise in Vietnam. She was responsible for developing and implementing VinFast’s brand and customer growth strategies, including strategic partnership, product proposition & marketing, market research, brand and reputation management, media relations, and advertising.

Phuong has held various marketing and communication positions in the past, supporting diverse businesses from MNCs to conglomerates on sales and marketing optimization, brand-led strategies, public affairs, and crisis communications.

Director of Artificial Intelligence
Orient Commercial Joint Stock Bank

Khue Dinh is the Country President of Chubb’s general insurance operation in Vietnam.
Ms. Dinh has two decades of experience in the insurance industry, having held various leadership positions with international insurers and brokers. Prior to joining Chubb, she was Director of Emerging Customers with AXA Insurance and represented the company on the Board of Directors of Bao Minh Insurance. She has a deep understanding of the consumer as well as small, mid-market commercial segments given her experience in both the Life and General Insurance businesses. Ms. Dinh’s breadth of expertise gives her a strong foundation to manage strategic partnerships and affinity relationships.
Before AXA Insurance, Ms. Dinh gained extensive experience in health and employee benefits insurance from her years with Lockton, AIG and Aon. 
Ms. Dinh holds a Bachelor of Science in Honours from Vietnam National University in Hanoi as well as a Diploma in Financial Services – Insurance from ANZIIF (Australian and New Zealand Institute of Insurance and Finance).

Mr. Nguyen Ngoc Hai is an outstanding expert with a solid foundation in Information Technology, holding a Bachelor's degree from the University of Science. He has advanced his expertise with dual Master's degrees in Computer Science and Business Administration from AIT, Thailand. Ông Hải's career showcases a deep background in IT Strategy and implementation, including notable roles such as Head of Microsoft Premier Support Services, Specialist in Application Software Solutions and Technologies from both Microsoft & IBM, and Head of Business-Solutions-Marketing for Microsoft enterprise and cloud customers. He has served as the General Director overseeing the Tenant Access Platform business at Propzy Vietnam, POMA Vietnam and is currently the Deputy Executive General Director of THM Property Group.

Rahul Shinde shap the future of digital workplace as a recognized authority in enterprise transformation and emerging technologies. As Vice President and CIO at Coca-Cola Beverages Vietnam, he pioneers innovative approaches to digital transformation that are consistently translated technology investments into business outcomes.

A frequent keynote speaker at global technology forums and contributor to leading business publications, Rahul shares insights drawn from executive roles at Mondelez International, Ernst & Young (EY), KPMG, and Duy Tan Plastics. His thought leadership spans digital transformation strategy, emerging technology adoption, and the future of work across Asia-Pacific markets.

Rahul's forward-thinking perspectives on AI, cloud computing, and digital innovation have influenced technology strategies across industries. His insights on digital transformation and technology leadership regularly feature in international conferences and industry publications, helping organizations navigate their digital future.

Shashi brings over 19 years of experience inthe IT sector, with 15+ years leading IT projects for SMEs to Fortune 500 firms. He's spent over 13 years as a management consultant, focusing on Enterprise Transformation as well as ERP Implementation across various countries such as Malaysia, Singapore, Australia, Switzerland, Indonesia, Myanmar, and Vietnam.

He has spent 7 years in Vietnam deepening his regional insight in business and technology landscape.

Off professional duties , Shashi also gives guest lecture at Swinburne University and RMIT in Australia, University Teknologi Malaysia (UTM) and Malaysia Open University (MOU)

Dennis Tan is the Head of Digial Banking at UOB Bank, where he leads UOB Vietnam's effort in digital transformation and engagement as well as digital sales via TMRW - UOB digital mobile banking app, contributed hugely to the sales growth. With over 20 years of experience in fintech, banking and digital sales, he has been instrumental in driving customer-centric digital solutions, optimizing digital banking experiences and expanding digital acquisition ecosystems. Under his leadership, UOB TMRW MY has successfully won the highest record in digital sales, until now.

Passionate about financial inclusion, Dennis collaborates with fintech startup to develop next-generation banking services. He is excited to join our Digital Transformation Summit and sharing more insights on the future of digital banking and innovation in financial services.

Robert Tran is Partner, EY Vietnam Cybersecurity Services Company Limited and EY Vietnam Cyber Security and Technology Risk Leader. Robert has over 20 years of professional experience in the security field.

Robert has led successful engagements in cyber governance and target operating models, board cyber strategy and training, maturity assessment, threat modelling, breach indicator assessments, vulnerability assessments, penetration testing, spear-phishing, business continuity management, enterprise risk, privacy compliance, security monitoring, and cyber breach response, as well as blockchain security.

Robert also leads the execution and delivery of complex attack and penetration assessments for clients across industries.

Robert holds a Master’s degree from the Telecom Paris (France) and several professional cybersecurity certifications.

Le Duy Duc (Steve) is the Vice President of ISC2 Ho Chi Minh City Chapter, a non-profit community of professionals dedicated to advancing cybersecurity awareness and education. ISC2 HCMC is a community for ISC2 credential holders and non-holders alike, united by the mission of promoting security awareness and professional development in the region. The chapter aims to foster networking, share knowledge, collaborate on projects, and provide members with access to expertise from government agencies and industry leaders. Through its initiatives, the chapter supports the development of cybersecurity professionals, keeps members informed of the latest advancements, and promotes public awareness of security threats.

Le Duy Duc is also the Enterprise Sales Director at V-Key, a Singapore-based global leader in cybersecurity solutions with a vision to secure the digital experience for over a billion mobile app installations. Prior to this, he served as Head of Business Development at New Zealand Trade and Enterprise, a New Zealand government agency dedicated to helping New Zealand companies internationalize. In this role, he worked across diverse industries, including aviation, agritech, IT, FMCG, and timber, supporting market entry and growth strategies for seven years.

Previously, Duc was Head of Branding at Talentnet, one of Vietnam’s leading human resources consulting firms. Between 2013 and 2015, he served as Area Manager for the Singapore Tourism Board, overseeing the Vietnam, Laos, and Cambodia markets, where he developed destination marketing strategies for the business, education, and medical travel sectors.

Duc began his career as a management trainee at Hong Leong Bank Malaysia, where he contributed to the post-merger evaluation between Hong Leong and EON Bank in 2011, working with a Boston Consulting Group team. He later became the Business Project Manager for Hong Leong Bank Vietnam’s internet banking implementation. Before that, Duc managed the KYC process for HSBC Vietnam’s Commercial Banking division and participated in the launch of internet banking for commercial banking clients.

Duc holds a Bachelor’s degree in International Business from the Foreign Trade University, an MBA from the University of the People, and is currently pursuing a Master of Computer Science at Liverpool John Moores University. He is also certified in cybersecurity through the Google Cybersecurity Certificate, Google IT Support Certificate, and ISC2’s Certified in Cybersecurity Certificate.

Will Nguyen is the Head of Digital Lighthouse & Tech Consulting at KPMG Vietnam and Cambodia, where he oversees the strategic direction and delivery of a wide range of IT consulting services. His areas of responsibility include Digital Innovation Services, CIO Advisory, ERP Consulting & Implementation, Cybersecurity, and IT Audit.

With over 20 years of experience in Information Technology, Will has worked with more than 100 clients across the United States, Vietnam, and Cambodia, spanning sectors such as Banking, Insurance, Telecommunications, FMCG, Real Estate & Construction, Retail, and Professional Services. In the past decade, his focus has been on guiding clients through Digital and ERP transformation initiatives. Over the last three years, Will has successfully led over 20 medium-to-large scale technology transformation programs, including the first Cloud ERP transformation in ASPAC, the first Cloud ERP implementation by a bank, and two of the largest digital transformation projects in the region.

Before joining KPMG, Will served as an Information Security Engineer at a leading publicly traded U.S. retailer with operations across the United States, South America, and Europe. There, he played a key role in achieving significant operational savings and reducing IT compliance costs.

Will holds a Bachelor's degree in Internet Programming & Security from a top university recognized for its Computer Information Systems program. Raised in the United States, he brings a global perspective to his work, bridging expertise across markets and industries.
Specializations:

• Digital Technology Transformation
• ERP Consulting & Implementation
• IT Governance & Implementation
• IT Audit and Compliance
• Cybersecurity
• IT Operation and Effectiveness

Ông Giang là Phó Tổng Giám đốc phụ trách thị trường dịch vụ số, trí tuệ nhân tạo và An toàn bảo mật thông tin của PwC Việt Nam. Ông tốt nghiệp Khoa CNTT, Đại học BKHN, và có bằng Thạc sỹ Kỹ thuật máy tính trường ĐH Tổng hợp Kyung Hee, Seoul, Hàn Quốc. Ông có trên 20 năm kinh nghiệm trong lĩnh vực Công nghệ và An toàn Thông tin, chuyên sâu về tư vấn, triển khai, vận hành, quản lý các dự án đánh giá hệ thống CNTT, quản lý rủi ro công nghệ và bảo mật thông tin. Ông đã tham gia triển khai các dự án liên quan cho các tổ chức và doanh nghiệp trong và ngoài nước trong nhiều lĩnh vực khác nhau, từ lĩnh vực tài chính tới các lĩnh vực công nghệ, bán lẻ, sản xuất, y tế, v.v.. Ông từng nhận giải thưởng lãnh đạo An ninh thông tin tiêu biểu Đông Nam Á năm 2012, tài trợ bởi IDG Việt Nam, Bộ Công An, Bộ Thông tin Truyền thông và VNCERT.

Mr. Giang is a Deputy General Director, looking after digital, AI/GenAI, cybersecurity and data privacy practices of PwC Vietnam. He graduated from the IT Faculty, Hanoi Univ. of Science and Tech. and then obtained a Master of Computer Engineering at Kyung Hee Univ., Seoul, Korea. He has over 20+ years of working experience in the Information Technology and Security industries, specializing in consulting, implementing, operating, managing information system related projects, cybersecurity and data privacy risk management projects. He has been deploying various IT and Security assessment and advisory projects for different types of local and global enterprises across many industry sectors, from financial services to technology, retails, manufacturing, healthcare, etc. He obtained CSO ASIAN Awards 2012 sponsored by IDG Vietnam, Ministry of Public Security, Ministry of ICT and VNCERT.

Khanh Ngo is a Vietnamese Canadian senior executive with over 14 years of experience in strategy, sales & marketing, business planning, and operations across the tech, banking, and consulting industries. His career spans multiple geographies, including Canada, the US, the UK, and APAC.

He is currently the CEO of Liobank by OCB, one of Vietnam’s fastest-growing digital banks, serving over half a million customers daily. Prior to this, he was a strategy leader at TikTok, where he played a key role in scaling several markets from hundreds of millions to multi-billion-dollar annual run rates in Canada and SEA markets. In addition to his corporate leadership, Khanh is a Venture Capitalist in Residence with a regional fund based in Singapore, advising and investing in high-growth startups.

Khanh holds an MBA from Northwestern Kellogg, an MSc in Finance from Boston College, and a BSc in Philosophy and Finance from Babson College.

Head of Vietnam Data Office
Manulife

Head of Digital and Technology
Heineken