The way we transact is changing. It has to. Because access to fair, fast, and seamless financial systems isn’t a luxury—it’s a necessity. Hello Clever understands this. And with our new HQ in Singapore—the gateway to APAC and beyond—we are working to build a more inclusive and accessible financial ecosystem for businesses and their customers.
“Expanding into APAC isn’t just about growth; it’s about creating real impact. Singapore provides the perfect foundation to scale our vision globally, connecting businesses to real-time payments and Embedded Loyalty solutions that drive both efficiency and engagement.” – Caroline Tran, CEO, Hello Clever
This is more than just fintech growth. It’s about ensuring that businesses—large and small—can compete on an even playing field, where real-time payments and embedded loyalty create stronger customer relationships, drive economic opportunity, and make transactions work for people, not against them.
As part of our commitment to shaping the future of digital payments, Hello Clever has started the process of obtaining a Major Payment Institution (MPI) license in Singapore, issued by the Monetary Authority of Singapore (MAS). This license will allow us to offer expanded payment services beyond the thresholds of a Standard Payment Institution (SPI) license, giving businesses greater flexibility, faster transactions, and a seamless cross-border payment experience. Our goal is to build a truly borderless financial ecosystem that empowers businesses of all sizes to operate globally with confidence and security.
Why APAC Needs Faster Payments & Smarter Loyalty
Businesses across APAC still face three major challenges when it comes to payments and customer engagement:
1. Why Are Cross-Border Transactions Still So Slow and Expensive?
High FX fees, complex banking structures, and long settlement times prevent businesses from scaling effectively. Hello Clever eliminates these barriers by making transactions seamless, cost-effective, and instant.
2. How Can SMEs Access Real-Time Payments?
Large enterprises benefit from fintech innovation, while smaller businesses are forced to navigate outdated, costly payment infrastructures. We’re bridging this gap by offering real-time payment solutions tailored for SMEs, empowering them to compete at scale.
3. Why Are Payments and Loyalty Still Disconnected?
Many businesses struggle to engage customers at checkout due to siloed rewards systems. Hello Clever embeds loyalty directly into transactions, ensuring customers receive rewards instantly—no delays, no friction.
We cannot afford to let these challenges define the future of commerce in APAC. That’s why Hello Clever is embedding loyalty directly into payments—so businesses can reward customers instantly and grow without barriers.
Who’s Leading Hello Clever’s Fintech Expansion in APAC?
(L to R: Reinard Surya (COO) Sandra Lin (Growth & Partnerships Lead) Amy Mai (Ops) Caroline Tran (CEO) Bach Do (Senior Product Lead) Raj Kasi (GM, International Markets)
Leadership is about action. It’s about bringing together the right people to create meaningful change. Hello Clever’s expansion into APAC is led by a team of experts who understand the region’s complexities and are ready to make a difference.
Raj Kasi – General Manager, International Markets (Fintech Expansion & Cross-Border Payments)
Raj has been driving Hello Clever’s expansion into new markets for the last two years, ensuring that real-time payments and Embedded Loyalty solutions reach businesses across APAC. With experience at XanPool, ERON International, and Standard Chartered Bank, he’s dedicated to making cross-border transactions faster, fairer, and more efficient.
Sandra Lin – APAC Growth & Partnership Lead (Fintech Ecosystem & Strategic Alliances)
Sandra knows that growth happens through partnerships. She is forging relationships with merchants, financial institutions, and regulators to ensure that Hello Clever’s solutions create real impact at scale. Her expertise comes from leadership roles at Google, Yahoo, and SPH Media.
Oliver Liggayu – Partnership Lead, Philippines (Embedded Loyalty & Customer Engagement)
Oliver is leading the charge in the Philippines, helping businesses rethink customer engagement by integrating real-time rewards at checkout, turning everyday transactions into meaningful connections. With 30+ years in fintech and digital finance, he’s making embedded loyalty a game-changer in the region.
“We’ve assembled a leadership team that deeply understands APAC’s fintech landscape. Their combined expertise in payments, partnerships, and embedded loyalty gives us the agility to solve real-world challenges for businesses across the region.” – Reinard Surya, COO, Hello Clever
From Startup to a Global Fintech Force
We are not just another fintech with bold claims—we have built a proven solution with real traction.
- First payments platform in Australia to offer PayTo pre-authorised payments (2022)
- Emerging Fintech of the Year (2023)
- Women Leading Tech Award Winner – Caroline Tran (2023)
- Named on the Forbes Asia 100 to Watch List (2024)
- Ranked #2 in the Australian Financial Review Fast 100 (2024)
With our new HQ in Singapore, we are positioned to serve as a bridge between Australia, APAC, and beyond, making fintech solutions more accessible and equitable for businesses of all sizes.
What This Means for Businesses in APAC
- Instant, seamless payments that remove friction and inefficiency.
- Embedded loyalty that allows businesses to reward customers effortlessly.
- A leadership team committed to creating real opportunities for businesses, not just big players.
This is about more than just payments. It’s about fairness. It’s about enabling businesses to grow without financial barriers. And it’s about ensuring that the future of fintech works for everyone.
Welcome to Hello Clever.
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