James Lloyd is a partner in EY's Corporate Finance Strategy (CFS) team, and leads the firm's dedicated financial technology capability across Asia-Pacific - focused on early-stage, 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 supported a bootstrapped e-commerce payment gateway combining 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.