Last updated: 2025 Apr 20
I'm Johnny Kao, a Tokyo-based consultant specializing in digital transformation, finance, and Web3.
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
- Explore cutting-edge fields at every stage of development
- 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: Guided traditional financial institutions in Web3 initiatives like metaverse integration, virtual payments, and cross-chain interoperability
- 2022 – Thought Leadership: Authored the digital assets chapter for a top-tier consulting firm’s annual wealth report
- 2020 – Technical Achievement: Contributed code to GitHub that was archived in the Arctic Code Vault
- 2019 – Virtual Banking Pioneer: Led product strategy for a branchless virtual bank ahead of licensing in Hong Kong
- 2018 – Platform Transformation: Shifted a crypto trading platform from a product-focused to a system-focused SaaS architecture
- 2017 – Sustainable Finance & Strategy: Developed ESG index and contributed to a national blockchain roadmap in Oceania
- 2016 – Digital Citizen: Among Taiwan’s first e-Residents in Estonia’s digital society initiative
- 2015 – Blockchain Innovation: Launched Bitcoin debit card services, pioneering blockchain finance in Taiwan
- 2013 – Humanitarian Roots: Volunteered in Tunisia, learning innovation starts from human needs
At every stage, I’ve stayed one step ahead of trends—transforming tech into meaningful, human-centered impact.
Senior Analyst | Retail Banking · Payments · Web3
November 2021 – Present
Driving impact on digital transformation, AI adoption, and innovation strategies in finance.
Associate | Global Business Planning & Coordination
September 2019 – November 2021
Led BCP optimization during COVID-19, supported global compliance and operational streamlining.
Product Director | Online Banking & Digital Currency
September 2017 – November 2019
Launched licensed digital bank and SaaS crypto exchange; scaled operations and drove growth hacking.
Product Manager | Digital Payment
July 2015 – June 2017
Spearheaded crypto-MasterCard integration and drove EU/US expansion through growth marketing.