Executive Interview
Dr.Oriol Caudevilla, 柏傲齊
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   Executive Interviews   
An Interview with
Dr.Oriol Caudevilla, 柏傲齊
ixFintech/AirHelp/ETFCOOL/F10 Incubator & Accelerator
Advisor/Management Consultant

LL.B., MBA, PhD.
FinTech Advisor, Management & Strategy Consultant and Researcher (Digital Banking and Finance, Central Bank Digital Currencies, Blockchain, Crypto and M&A).
Passionate about the Future of Banking and Finance, and a strong believer in digital transformation and artificial intelligence quickly becoming the top priority for those not wanting to be left behind as well as the best tool to create a more inclusive financial system. Financial inclusion is to me a key topic.
I am currently advising a portfolio of FinTech and tech related companies in HK and Europe, as well as giving talks and seminars at universities, international conferences and companies on several topics related to digital transformation, such as Blockchain and Central Bank Digital Currencies (CBDCs), being the Digital Yuan currently my main area of research .
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Publish Date: 
25 January 2021
Hong Kong

Tell us about your background, and how you came to found your company?

Oriol works as a Management Consultant at AirHelp, Advisor for a Hong Kong-based FinTech company, ixFintech, Strategic Advisor at a Hong Kong-based WealthTech company, ETFCool, Strategic Advisor at ScallopX and FinTech Mentor at F10 Incubator & Accelerator, Singapore.


Oriol is member of the Blockchain, Digital Banking and Greater Bay Area Committees at the Fintech Association of Hong Kong (FTAHK), as well as the Singapore Fintech Association (SFA).


He is Fellow at the Digital Euro Association (D€A) and at the Singapore University of Social Sciences (SUSS), and Member of the Advisory Council at the Blockchain Council and also Advisor at the Israeli Blockchain Association.


Furthermore, he publishes articles in several media, including China Daily (both the Global and Hong Kong Edition) and Macau Business.


He has given talks and seminars on the Chinese Financial System, Central Bank Digital Currencies and the Digital Yuan in several universities in Hong Kong and Macau, as well as in international conferences, like the recent Israel/UAE Fintech Week and the Future of Fintech Saudi Arabia event.

What is most important to you and your organization – mission, vision, or core values? Why?

I am a strong believer in digital transformation and artificial intelligence quickly becoming the top priority for those not wanting to be left behind as well as the best tool to create a more inclusive financial system.


Therefore, I strongly believe in a fair financial system where everybody will be included, therefore drastically reducing the amount of underbanked people.


Aside from that, I believe in hard work, ethics and in being one step ahead of everything. The only way to deliver good results and the only way through which I can produce my weekly articles and talks is by trying to be connected 24/7 so I can constantly update my followers.

Can you explain briefly how your service(s)/product(s) works?

I have a double approach to this: my advisory/consultancy services and my research services.


I basically offer my skillset to the companies willing to onboard me as a Consultant/Advisor or as any other role, in my areas of knowledge and expertise, i.e.:

  • FinTech.

  • Strategy.

  • Blockchain.

  • Central Bank Digital Currencies (CBDCs).

  • Crypto currencies.

  • M&A.

Regarding my research skills, I am currently acting as a fellow at several universities and organizations doing research on FinTech, Blockchain and AI, and I am also giving seminars and I am approached by companies and NGOs to deliver talks and seminars on the topics of:

  • Digital transformation.

  • Central Bank Digial Currencies, especially the Digital Yuan.

  • Start up Strategy and Keys to Succeed.

  • Blockchain.




How has the industry been changing in recent years?

If there was no doubt of the growing digitalization trend in the world these last few years, the ongoing COVID-19 pandemic, which has certainly confronted the whole world with an unprecedented challenge, has turbocharged a financial technology (Fintech) revolution worldwide in general, and more notably in the areas of Blockchain, Digital Currencies and Virtual Banking. COVID-19 is changing consumer behavior, quite likely forever, and all the industries need to adapt, including the banking and financial services industry. Digital transformation has quickly become the top priority for those countries not wanting to be left behind.


These changes bring many opportunities, especially when it comes to financial inclusion. According to the World Bank´s Global Findex database, globally, 1.7 billion people do not have a bank account, and policymakers struggle to provide affordable, safe and accessible financial services to the unbanked population. With about 190 million unbanked adults, India is second only to China among developing countries in the number of residents who do not have bank accounts or participate in the formal financial sector, followed by Pakistan (100 million), and Indonesia (95 million).


Central Bank Digital Currencies (CBDCs) as well as virtual banking can and will play a huge role when it comes to promoting financial inclusion.

What makes you different from what’s currently available in the market?

My multidisciplinarity and result-oriented approach as well as my international mindset, since I have lived and worked in several countries and I speak 7 different languages.


Aside from that, my combination of professional skills+research skills (thanks to my PhD) gives me a unique edge, since,even though I am not an academic, I have a very close relationship with the world of academia. My combination of a legal background+MBA+PhD+ current involvement with FinTech and technology in general makes me different too.

What does the future hold for your company?

I hope the future will bring me many more opportunities to prove my skills and willingness to work hard.


Dr.Oriol Caudevilla, 柏傲齊

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