Malik is a senior global Digital banker, FinTech expert, Futurist and acclaimed author. In his 18 year long career, he has managed global roles in leading Multinational banks like Citibank and Stanchart, run billion dollar businesses in various markets, driven key innovations in the financial services industry and been a serial entrepreneur.

He spent nearly 14 years at Citibank in varied roles in Digital Banking, E-payments and Innovations, and was last SVP- Global Digital Transformation, based out of Singapore, where his group played a key role in driving a common digital roadmap across Citi’s Consumer businesses in 42 countries and 5 continents.

Before that, he headed Citi’s E-payments business in the Philippines, turning around an ailing billion dollars + business and helping it regain the # 1 foreign Merchant Bank spot. Prior to that, he headed Digital Marketing for Citi’s Global Consumer Bank, India, and the Merchant payments product for Citi India.

Malik is a passionate Fintech evangelist, thought leader and sought-after keynote speaker at leading FinTech, Blockchain and Tech conferences. He has chaired and spoken at 50 marquee events, addressing nearly 10,000+ senior industry professionals all across APAC and Middle East on Digital Banking & Neo Banks, Fintech, Digital Financial Inclusion, Blockchain, A. I. & the 4th Industrial Revolution, Innovation Labs and Digital payments.

He has also been a guest speaker at some of the world’s leading B-schools: IMD Switzerland, Indian Institute of Management and National University of Singapore.

As a result, Malik is a passionate global Fintech ecosystem builder. He heads international relations for the Singapore Blockchain Association (ACCESS), where he actively engages with Regulators, policy makers, Multi-lateral agencies, Industry captains and Industry associations like the Asia Blockchain Alliance, Taiwan Sandbox initiative, HK Fintech Association, Thailand Fintech Association, India Fintech Forum, Philippines Fintech Association, Fintech Association of Peru etc. on policy, partnerships and ecosystem development.

In his desire to give back, Malik also dons the hat of a mentor at leading Fintech accelerators in Singapore and APAC. He has been an advisor to exciting global start-ups across FinTech, IOT, A.I, Blockchain, Big Data and EduTech, as well as progressive banks. He advises them on strategic roadmap, market expansion strategy, strategic capital, partnerships etc.

He is also an acclaimed and passionate author with global readership. His first book- The New Ages- was loved by readers in a dozen countries. Two more books are in the works.

Malik is a passionate community builder and change catalyst. He runs one of the largest impact communities on Social media, with nearly half millions followers in 60 countries, a BILLION impressions and a very high star rating- 4.5.