Khoa Nguyen is the Deputy Head of Retail Banking at Asia Commercial Bank (ACB), one of Vietnam’s leading Tier 1 banks. He leads ACB’s end-to-end digital transformation journey in customer experience, with a strong focus on building multi-platform cashless payment ecosystems. Driven by the ambition to position ACB as a leading payment connectivity hub between global platforms and Vietnamese customers, Khoa has pioneered comprehensive solutions for the fast-growing Making Money Online (MMO) segment. Under his leadership, ACB has established a strong market position in this space and become a trusted banking partner for global commerce leaders such as Meta and Amazon.