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Hello There

I am Johnny Kao

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About Me

As a professional spanning the fields of financial technology and investment, I have always believed: The true core lies not in the technology itself, but in creating products and services that address real-life pain points and genuinely improve people's lives. This conviction drives me to continuously step out of my comfort zone, plan ahead for the future, and explore cutting-edge fields that are yet to fully mature at every stage.

2025

To Be Continued:

…

2024

Consulting Strategy:

Led strategic-level projects including digital transformation, AI adoption, future banking strategies, and the tokenization of real-world assets (RWAs)

2023

Web3 Innovation:

Led multiple traditional financial institutions in adopting/exploring Web3 themes, including experimental projects in the metaverse, virtual payments, and cross-chain integration

2022

Professional Contribution:

Authored the digital assets chapter for a globally recognized consulting firm's annual wealth report

2020

Technical Achievement:

Self-written code was included in GitHub, becoming an Arctic Code Vault Contributor

2019

Branchless Virtual Bank:

Led the product design and development roadmap planning for a branchless virtual bank, starting preparations about a year before Hong Kong issued virtual banking licenses

2018

Digital Currency Trading Platform:

Led the SaaS transformation of a digital currency trading platform, upgrading from a "product-oriented" mindset to a "system-oriented" mindset

2017

Sustainable Finance:

Participated in the design and construction of an ESG index for a well-known index company, proactively laying the groundwork for sustainable finance


National Strategy:

Contributed to the national blockchain strategy design for an island nation in Oceania, covering legal system planning, technical architecture, and strategies for investment attraction and talent retention

2016

Digital Citizen:

Became one of the first ten people in Taiwan to join Estonia's e-Residency program, personally engaging in an experimental project for decentralized digital citizenship

2015

Digital Currency Debit Card:

Launched an innovative financial service combining blockchain, Bitcoin, and debit cards, becoming a pioneer in promoting Bitcoin applications in Taiwan

2013

African Volunteer:

Traveled to Tunisia, Africa, to participate in medical volunteer services, realizing that human needs are the starting point of all innovation

At every stage of the past, I chose to stay one step ahead of trends, observing the future from a human-centric perspective and transforming technology into impactful solutions. I believe that the core of leadership is not about commanding others, but about inspiring a shared vision and driving real change.

Work Experience

November 2021 - Present

Boston Consulting Group (BCG)

Senior Analyst | Retail Banking · Payment · Web3 | Tokyo

Drive impact on long-term strategic initiatives, digital transformation, AI adoption, and innovation projects in financial institutions, leveraging expertise in retail banking, payments, and Web3.

BCG Tokyo Office - Johnny Kao's current workplace as a Senior Fintech Consultant

September 2019 - November 2021

Sumitomo Mitsui Trust Bank Limited

Associate | Global Business Planning and Coordination Department | Tokyo

Enhanced BCP and risk management during COVID-19, cutting executive decision time by 30%, while supporting overseas branches with compliance, operations, and post-investment management.

Sumitomo Mitsui Trust Bank Limited Tokyo Office - Johnny Kao's previous workplace as an Associate

September 2017 - November 2019

China Binary Sale Technology Ltd

Product Director | Online Banking & Digital Currency Trading Platform | Hong Kong

Led the launch of a US-licensed digital bank and a SaaS-based cryptocurrency exchange, overseeing product development, regulatory approvals, and market expansion. Built and scaled teams, implemented key financial systems, and optimized liquidity strategies. Drove a 19x increase in exchange members within a week through growth hacking campaigns.

China Binary Sale Technology Ltd Hong Kong Office - Johnny Kao's previous workplace as Product Director

July 2015 - June 2017

WageCan

Product Manager | Digital Payment | Taipei

Led product and expansion for WageCan, securing PE/VC funding and a MasterCard partnership for global crypto transactions. Drove EU & US adoption through growth hacking.

WageCan Taipei Office - Johnny Kao's previous workplace as Product Manager