Nicholas has spent the last 16 years driving digital channels in Asia such as Singapore, China, Malaysia, Indonesia, Thailand, Myanmar, Cambodia and Vietnam. Prior to UOB, he was with Fullerton Financial Holdings as the General Manager for Fullerton Guarantee in South West China and Head of Consumer & Distribution in Mekong Development Bank, Vietnam where he launched the first biometrics ATM and debit card in Asia. He was also part of the pioneer team to launch Fullerton Finance (Myanmar) in 2014. In 2009 and 2010, Nicholas led HSBC Vietnam to win the Best Internet Bank by Global Finance.