The Perfect Storm – Disparity, Diversity & Demand

The Covid-19 Outbreak and its aftermath will prompt much more of  the global citizenship to embrace digital payments

…The Southeast Asian niche– a region of nearly 700 million – is  rapidly emerging as the world’s fastest megamarket for digital consumer finance

Fastest growing digital finance market

Fragmented market

Over 70% underbanked or unbanked population

New digital technologies

[“Asia Pacific] is not just the world’s  fastest growing market, but it’s a fragmented market… with different  laws, languages, currencies and in  some cases currency control, said  Pepper… [Stripe]“

LYNX has unique direct relationships in place throughout the ASEAN-OCEANIA corridor that provide the conglomerate a distinct competitive advantage

Global Market Opportunity

Verifiable Economic Benefit of an ASEAN-OCEANIA Hub to Service a Pan-Global Digital Network Financial Ecosystem

The Lynx Strategy

This creates a single linked digital financial ecosystem that can accept any  type of payment  capable of pay-in and pay-out in any form of payment type no  matter the transaction size thereby creating true pan-global financial inclusion

To construct, own and operate a single financial technology layer to which all banks, payment service  providers, digital currency exchanges, digital asset custodial providers, and remittance & forex companies can connect

To acquire, invest and partner with existing financial institutions and regulated license holders in multiple jurisdictions to  rapidly build a Pan-Global consortium of revenue generating assets

A new financial technology services platform based on data and analytics and artificial intelligence that will meet the unique and specific needs of each financial institution, FINTECH business and B2B provider

Multiple Levers to Continue to Drive Expedited Growth

Leading Transactional Technology Solutions & Attractive Global Market Opportunity

Clear Business Execution (2021)

Expansion of Market and Technology Solutions (2022 – onwards)

Sector Growth Tract Defined

Organic Growth

Secular Trends Away From Cash and Check Toward Digital Payments

Transaction Growth in  Key Verticals

Further Penetrate  Existing Clients

M&A Catalysts

Deepening Presence in  Existing Verticals
(Card Issuing and Acquiring, Remittance & Forex, Crypto and Digital Asset Creation and Management, FINTECH)

Continued Expansion into New Verticals/Geographies

Transformational Acquisitions  Extending Broader Solution Suite

Revenue Model

Card Acquiring

  • Interchange
  • Set-up Income
  • Processing Fees

Card Issuing

  • Interchange
  • Set up Income
  • Servicing Fees

E-commerce Marketplaces

  • License fees
  • Profit share
  • Subscription or Maintenance Fees

Traditional & Digital Bank Accounts

  • Interchange
  • Fee Income
  • Opening fees
  • Account charges

Remittance & Forex

  • Cash-in/Cash-out transaction fees
  • Currency exchange fees
  • Servicing Fees

Digital Assets & Custodial Services

  • Income Fees
  • Management Fees
  • Tokens

Banking as a Service

  • License fees
  • Profit share
  • Servicing fees

LYNX GLOBAL Management, Board & Advisors

Comprised of Industry Veterans and Experts

Nearly 200 years of combined experience in fintech, remittance, payments, telecoms, finance & technology

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Michael Penner

Michael Penner

President & CEO

Lynx Global

Michael Penner

Chairman, President & CEO
Lynx Global

 

Mr. Michael Penner has over twenty years of international experience as a C level executive, building digital infrastructure businesses and strategic partnerships across Asia, the Middle East, and Africa. He has significant hands-on expertise in building strategic partnerships and working relationships that have allowed for the successful launch and operation of digital communications, data analytics, artificial intelligence, and financial and payment technology networks defined across a multitude of international and cultural footprints. He has successfully worked with governments in several countries on license acquisitions and technology development projects. Most recently, Mr. Penner was the Chief Operating Officer of a leading Canadian payment technology provider, which was one of the first to incorporate open banking and data analytics into bank account payment transactions and was further awarded a “Leaders in Lending Award” in the category of Fintech Innovation by the Canadian Lending Association. Mr. Penner is a licensed Chartered Financial Analyst.

Christopher Cherry

Christopher Cherry

Chief Financial Officer

Lynx Global

Christopher Cherry

Chief Financial Officer
Lynx Global

 

Mr. Christopher Cherry has become recognized as an individual of substantial knowledge and wherewithal in particular as it relates to the financial accounting practices necessary to effectively monitor and manage processes specific to digital and cryptocurrency transactional reporting and disclosure.  Mr. Cherry is a licensed CPA having obtained the Chartered Accountant designation in February 2009 and the Certified General Accountant designation in 2004. He has over 14 years of corporate accounting and audit experience and has acted as Director, Chief Financial Officer, and Secretary for several public companies. In his former experience as an auditor, he held positions with KPMG and Davidson and Co. LLP in Vancouver, where he gained experience as an IPO specialist and auditor for junior public companies.

Christopher Aldaba

Christopher Aldaba

President of Asia-Pacific

Lynx Global

Christopher Aldaba

President of Asia-Pacific
Lynx Global

 

Mr. Aldaba is a highly regarded and globally recognized industry specialist with nearly 15 years of experience in the field of FINTECH.  He has a vast network of business relationships around the World with clients and organizations in the FINTECH and banking sectors, having worked or consulted throughout Asia, the Middle East, Europe, and North America. Since 2009, Mr. Aldaba has frequently been drawn on, to consult and advise many of the largest providers of B-to-B and B-to-C global digital and fintech solutions throughout the ASEAN and MENA market regions. He previously served as the Head of Innovation for Lulu International Exchange, one of the largest independent providers of remittance and foreign exchange in the MENA region, on the ground at its global headquarters in Abu Dhabi, UAE. He has further acted as a special liaison to the NAFA Philippines (Anti-Fraud Agency) helping to lead them towards the enablement and operationalization of an independent agency focused on Anti-Fraud Solutions for individuals, corporations, and local government entities.

John Schaub

John Schaub

Chief Product Officer

Lynx Global

John Schaub

Chief Product Officer
Lynx Global

 

John Schaub has significant experience building financial services solutions having held senior roles in Core Banking, Payments Fraud Prevention, Insurance, Compliance and Analytics. He brings with him a wealth of experience from nearly a decade in the Canadian Credit Union system where he developed a reputation as a creative and driven problem solver. During his time at Central 1 Mr. Schaub led a number of significant projects including the creation of the largest fraud management services bureau delivery in Canada in partnership with Everlink Payment Services Inc. Most recently Mr. Schaub served as CEO of CUPP Insurance (a Central 1 subsidiary) where he led the sale and transition of Central 1's insurance operation to Co-operators. In his free time Mr. Schaub serves on the board of the Vancouver Public Library Foundation.

Heramben Vencatapillay

Heramben Vencatapillay

Head of Global Acquiring

Lynx Global

Heramben Vencatapillay

Head of Global Acquiring
Lynx Global

 

Mr. Vencatapillay has over 16 years’ experience in national and international payments and banking operations with proven track records in different management positions in a various medium-sized enterprise, listed and international concerns. He has consulted with 60+ Global Start-up companies in the payment sector specializing particularly in Payment Gateway Technology and Infrastructure, and Cross Border business implementation deployment and strategy. He is an accomplished multi-sector Board level Commercial/General management participant & shows a track record of success across consumer brands, financial services, retail, global technology, and software sectors.  He previously served as the Senior VP of Operations for Checkout.com (UK). Checkout.com currently has a valuation over $15B USD, and ten international offices, supporting thousands of businesses around the world. He provided independent objective views of the Business and/or function, helped control the environment, offered mitigation strategies and emerging risks and was responsible for managing the day-to-day operations of the underwriting team.

Heramben Vencatapillay

Heramben Vencatapillay

Head of Global Acquiring

Lynx Global

Heramben Vencatapillay

Head of Global Acquiring
Lynx Global

 

Mr. Vencatapillay has over 16 years’ experience in national and international payments and banking operations with proven track records in different management positions in a various medium-sized enterprise, listed and international concerns. He has consulted with 60+ Global Start-up companies in the payment sector specializing particularly in Payment Gateway Technology and Infrastructure, and Cross Border business implementation deployment and strategy. He is an accomplished multi-sector Board level Commercial/General management participant & shows a track record of success across consumer brands, financial services, retail, global technology, and software sectors.  He previously served as the Senior VP of Operations for Checkout.com (UK). Checkout.com currently has a valuation over $15B USD, and ten international offices, supporting thousands of businesses around the world. He provided independent objective views of the Business and/or function, helped control the environment, offered mitigation strategies and emerging risks and was responsible for managing the day-to-day operations of the underwriting team.

David Rambaran

David Rambaran

Head of Global Issuing

Lynx Global

David Rambaran

Head of Global Issuing
Lynx Global

 

Mr. Rambaran is a pioneering industry veteran with over 18 years' experience spanning a broad spectrum of the digital payments industry. He has structured and implemented complete programs covering card issuance and supporting loyalty and rewards initiatives. His acumen has ensured effective deployment of point-of-sale system rollouts and overall banking infrastructure integration. His business development experience and network span the globe, including the UK, Europe, South America, Australia, and South East Asia. An executive that not only specializes in Sales and Marketing at his core, but he also has a strong background in Operations and Program Management with rare experience specifically in card issuance transaction processing through each of the major card scheme providers, Visa, MasterCard, American Express, and Union Pay inclusive of fast payment banking networks.

David Rambaran

David Rambaran

Head of Global Issuing

Lynx Global

David Rambaran

Head of Global Issuing
Lynx Global

 

Mr. Rambaran is a pioneering industry veteran with over 18 years' experience spanning a broad spectrum of the digital payments industry. He has structured and implemented complete programs covering card issuance and supporting loyalty and rewards initiatives. His acumen has ensured effective deployment of point-of-sale system rollouts and overall banking infrastructure integration. His business development experience and network span the globe, including the UK, Europe, South America, Australia, and South East Asia. An executive that not only specializes in Sales and Marketing at his core, but he also has a strong background in Operations and Program Management with rare experience specifically in card issuance transaction processing through each of the major card scheme providers, Visa, MasterCard, American Express, and Union Pay inclusive of fast payment banking networks.

James Kodrowski

James Kodrowski

President

Payright Pte. Ltd.

James Kodrowski

President
Payright Pte. Ltd.

 

Mr. James Kodrowski, is an engineer turned business entrepreneur with over 15 years’ experience in business management and ownership across Southeast Asia. He is the Founder and CEO of Right Choice Capital (“RCC”), which is a leading financial services provider in Singapore and the Philippines focusing on SME services, lending, and financial inclusion. RCC is a regulated major payments institution, finance corporation, licensed remittance provider, and rural bank owner/operator providing financial services with market-leading technology solutions.  Mr. Kodrowski possesses an MBA from Heriot-Watt University, and each of a MSc. Eng. and a BSc. Eng. Mech-Aerospace from the University of Alabama-Huntsville.

Raymond Babst

Raymond Babst

Founder & CEO

DA5

Raymond Babst

Founder & CEO
DA5

 

Mr. Raymond Babst is the Founder and CEO of Direct Agent 5 Inc. (“DA5”).  DA5 is recognized as one of the truly premier global remittance and forex providers in the Philippines. DA5 has a 15-year operating history with over 2,350 physical locations throughout the Country to service the near 110-million-person domestic population and an ever-growing and expanding international client base. DA5 offers a comprehensive mobile app for both Android and iOS, capable of various digital and eWallet payment channels and cryptocurrency trading. It additionally provides bill payment capabilities through nationwide Bayad Centers and a multitude of additional prepaid and loan disbursement mechanisms for external micro lending companies.

James Kodrowski

James Kodrowski

President

Payright Pte. Ltd.

James Kodrowski

President
Payright Pte. Ltd.

 

Mr. James Kodrowski, is an engineer turned business entrepreneur with over 15 years’ experience in business management and ownership across Southeast Asia. He is the Founder and CEO of Right Choice Capital (“RCC”), which is a leading financial services provider in Singapore and the Philippines focusing on SME services, lending, and financial inclusion. RCC is a regulated major payments institution, finance corporation, licensed remittance provider, and rural bank owner/operator providing financial services with market-leading technology solutions.  Mr. Kodrowski possesses an MBA from Heriot-Watt University, and each of a MSc. Eng. and a BSc. Eng. Mech-Aerospace from the University of Alabama-Huntsville.

Raymond Babst

Raymond Babst

Founder & CEO

DA5

Raymond Babst

Founder & CEO
DA5

 

Mr. Raymond Babst is the Founder and CEO of Direct Agent 5 Inc. (“DA5”).  DA5 is recognized as one of the truly premier global remittance and forex providers in the Philippines. DA5 has a 15-year operating history with over 2,350 physical locations throughout the Country to service the near 110-million-person domestic population and an ever-growing and expanding international client base. DA5 offers a comprehensive mobile app for both Android and iOS, capable of various digital and eWallet payment channels and cryptocurrency trading. It additionally provides bill payment capabilities through nationwide Bayad Centers and a multitude of additional prepaid and loan disbursement mechanisms for external micro lending companies.

Yeoryios Markos

Yeoryios Markos

Chairman

DA5 Australia

Yeoryios Markos

Chairman
DA5 Australia

 

Mr. Yeoryios Markos, has been a registered member and Fellow of The Institute of Public Accountants in Australia since 1980, and a member of The Institute of Financial Accountants in the UK. He currently serves as Chairman or Direct Agent 5 Pty Ltd, and also holds Directorship with Rural Superannuation Australia Pty Ltd plus other senior board positions. During his professional career spanning more than 45 years he has gained vast experience within a diversity of industry and business in both public and private enterprise. His background covers a wide scope of M&A, Legal, Banking, Trading, Mining and Property Development activities.

Solomon Riby-Williams

Solomon Riby-Williams

Board of Directors

Lynx Global

Solomon Riby-Williams

Board of Directors
Lynx Global

 

Mr. Riby-Williams was a driving force behind the launch and deployment of the Company’s proprietary BloomKit ecommerce and marketplace technology suite. During his prior tenure as a Founder and CEO of the Company he distinctly contributed to business and technology development initiatives in concert with the management, preparation, and liaising required of communications with all legal, accounting, securities commission and/or any other regulatory bodies engaged in the maintenance and submission of public company filing and disclosure requirements. The evolution of long-standing working relationships he facilitated for the Company in the FINTECH sector since its beginnings, have been integral in positioning it to where it has brought itself today.

Robert Yu

Robert Yu

Strategic Advisor

Lynx Global

Robert Yu

Strategic Advisor
Lynx Global

 

Mr. Robert Yu currently is a Principal at Sierra Madre Advisors, a Manila-based private equity firm. Prior to joining Sierra Madre, Mr. Yu served as an Interim CFO capacity for Converge ICT, where he negotiated ~US$ 350 million of debt financing from various local banks and helped raise ~US$ 200 million of strategic equity investment. Mr. Yu has been active in various finance roles in the investment banking and private equity sector, where he was responsible for origination, structuring and execution of M&A and capital raising transactions. Among the projects that he has spearheaded are the US$ 1 Billion+ sale of AES Corporation’s majority stake in Masinloc Power to San Miguel Corporation (Philippines) and the US$ 780 million acquisition of 20% of Security Bank (Philippines) by Bank of Tokyo Mitsubishi UFJ. Mr. Yu previously served as a Vice President for Morgan Stanley in Hong Kong from 2015-2018, a Senior Associate at Lake Capital Partners in Chicago from 2010 – 2013, and as an Analyst for Citigroup in New York from 2007 – 2009.

Abhishek Mohan

Abhishek Mohan

Strategic Advisor

Lynx Global

Abhishek Mohan

Strategic Advisor
Lynx Global

 

Mr. Abhishek Mohan is Co-Founder and Chief Growth Officer of T9L. It is India's first 'Startup Studio', (Technology Incubator) with 37 startups and a Pre-Covid portfolio cumulative valuation of USD 650M+. In a sector where 90% failure is the norm, T9L has delivered industry bucking performance with an 85% portfolio survival rate. In providing Venture-as-a-Service (VaaS) and handholding early-stage startups (pre seed / seed) to Series A and beyond, T9L intends to work with 120+ startups over the next 5 years across India & South-East Asia to make their success more predictable. In addition to his role at T9L, Mr. Mohan is the Founder and CEO of HempStreet - India's first and largest fully integrated research to retail venture in the Ayurvedic Cannabis field with a network of 60,000 ayurvedic practitioners across the country. Only a mere 4 months from product launch, Abhishek had already spearheaded and achieved the successful deployment of manufacturing, distribution, and sales to a network of over 1,000 clinic locations covering 22 of the 29 states in India. Hempstreet and Mr. Mohan were recently featured in a Forbes India article in April 2021, and he is currently a sought-after speaker on numerous sector panels around the Globe.

An MBA graduate from the Asian Institute of Management, Abhishek has been involved in the India and SE Asia venture space since 2005 and has witnessed numerous ventures go from seed to IPO across games, pharma and technology. He currently sits on the boards of several tech companies in Asia and North America.

Qin Wang

Qin Wang

Strategic Advisor

Lynx Global

Qin Wang

Strategic Advisor
Lynx Global

 

Mr. Qin Wang has 30-years of venture capital and private equity investment, executive management, and consulting experience in the broader information and technology industry as well as resource, energy, and cleantech industries, in China, Canada, and Japan.

Mr. Qin Wang has been a Managing Partner of NewMargin Venture Capital a prominent private equity fund and management company in China, for over ten years. Prior to this, Mr. Qin Wang was involved in managing US dollar-based investment funds, including a 100 million USD VC funds and a 300 million USD growth funds investing in Chinese internet and technology companies, such as PPStream (acquired by IQIYI, IQ listed on NASDAQ), Kugou (acquired by Tencent Music, TME listed on NYSE), Xunlei (XNET listed on NASDAQ), UCWeb (acquired by Alibaba), as well as gold mining companies including Pretium Resources (listed on NYSE and TSX).

In recent years, Mr. Qin Wang has focused on managing RMB based Chinese funds, including a 3 billion RMB resource funds investing in mining and energy companies in China, and a 600 million RMB new energy and cleantech funds investing in lithium battery-related resource and material companies in China. He currently serves on the Board of Directors for several of the funds' portfolio companies.

Before joining NewMargin Ventures, Mr. Qin Wang was a principal of LG Investment Ventures. In 2000, he founded and managed an IT consulting firm and mandarin language school in Shanghai. He spent the next ten years working for CGI Group in Canada and Nippon Life Insurance Company in Japan. Through this experience, he has accumulated practical knowledge of business analysis, corporate finance, and management implementation, as well as a strong business network.