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Looking Back Looking Forward




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Building Better Financial Systems

Digital Finance, Financial Inclusion and Sustainability Initiative with the 2020/21 RGC Senior Research Fellow Professor Douglas Arner

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Biometrics in Financial Services

With Bala Kumar (Jumio)

Strengthening financial services with multi-modal biometrics

Against a backdrop of rising AI-fuelled phishing attacks in the Asia-Pacific, in this episode of Regulatory Ramblings, Bala Kumar chats with host Ajay Shamdasani how such developments will affect the landscape of online identity fraud, and how such threats will evolve and, if possible, be anticipated moving forward.


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They discuss how can businesses effectively counteract the threat of identity fraud and safeguard their customers while maintaining regulatory compliance, as well as the increased efforts by certain Southeast Asian governments to facilitate cross-border payments, and how to ensure such transactions are secure and adhere to cross-jurisdictional rules and regulations.

Bala also stresses how organisations can successfully strike a balance between strong security and seamless customer experiences. He notes that beyond cybersecurity, there are other multiple other risks and concerns that global banking and financial institutions and multinational corporations should be cognisant of.

The conversation concludes with Bala sharing some key strategies for ensuring compliance with digital payment systems.

About Bala Kumar: Bala is responsible for Jumio’s product vision and strategy, and is leading the execution of Jumio’s digital identity platform. A former TransUnion executive, he brings more than two decades of product innovation and leadership experience to Jumio.

Jumio specializes in identity verification and proofing services particularly to the financial services sector, ensuring trust from account opening to user monitoring processes through their KYX unified platform.

Regulatory Ramblings podcasts is brought to you by The University of Hong Kong - Reg/Tech Lab, HKU-SCF Fintech Academy, Asia Global Institute, and HKU-edX Professional Certificate in Fintech, with support from the HKU Faculty of Law.

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Regulatory Ramblings Podcast


Welcome to Regulatory Ramblings, a new podcast from a team at The University of Hong Kong on the intersection of all things pertaining to finance, technology, law and regulation. Hosted by the HKU Reg/Tech Lab, HKU-Standard Chartered FinTech Academy and the HKU-edX Professional Certificate in FinTech, join us as we hear from luminaries across multiple fields and professions as they share their candid thoughts in a stress-free environment - rather than the soundbites one typically hears from the mainstream press.

Regulatory Ramblings is a forum for those that appreciate long-form conversation. While it is something that may be regarded as lost art of an older time, it is nonetheless sorely needed in an age when glibness and flippancy pass for analysis in conventional journalism.

Having said that, we are grateful to be able to avail ourselves of modern technological resources to bring you chats with people you are probably not going to hear from elsewhere.



Ajay Shamdasani is a veteran writer, editor and researcher based in Hong Kong. He holds an AB in history and government from Ripon College, JD and MIPCT degrees from the University of New Hampshire Franklin Pierce Law School, and an LLM in financial regulation from the Illinois Institute of Technology’s Chicago-Kent College of Law.

His 15-year long career as a financial and legal journalist began as deputy editor of A Plus magazine – the journal of the Hong Kong Institute of Certified Public Accountants. From there, he assumed the helm of Macau Business magazine as its editor-in-chief, and later, joined Asialaw magazine as its deputy editor.   More recently, he spent close to seven years as a senior correspondent with Thomson Reuters’ subscription-based trade-wire service Regulatory Intelligence/Compliance Complete (previously called Complinet) in Hong Kong. While there, he covered regulatory developments in that city, as well as Singapore, India and South Korea.

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