In this episode, Miguel Armaza sits down with Greg Krasnov , Founder & CEO of tonik, a digital bank in the Philippines with a mission to revolutionize the way money works in Southeast Asia. Tonik is backed by major industry investors, including Sequoia Capital, Point72 Ventures, Insignia Ventures, and Credence Partners. Greg is a serial entrepreneur at heart and launched his first business at the age of 18. Prior to starting tonik, he invested in, co-founded and chaired four other successful fintech startups through his Singapore-based fintech venture builder called FORUM. Greg is also a talented musician and, as a bonus for our listeners, we have included some of his work at the end of the interview. Greg Krasnov Greg is the Founder & CEO of tonik (www.tonikbank.com), the first digital neobank in the Philippines, and one of the few neobanks globally that is operating on the basis of its own bank license. tonik is backed by major international Venture Capital investors, including Sequoia Capital, Point72 Ventures, Insignia Ventures, and Credence Partners. Prior to starting tonik, Greg co-founded and chaired four other successful fintech startups in Asia: Credolab (www.credolab.com), FLOW (tech.ai">www.flow-tech.ai), Solarhome (home.asia">www.solar-home.asia), and AsiaKredit (www.asiakredit.com). Greg invested into and supported these ventures through his Singapore-based fintech venture builder FORUM (cap.com">www.forum-cap.com), in partnership with some of the leading Venture Capital funds in Southeast Asia. Prior to moving to Asia, Greg was the Founder/CEO of one of the top private equity-backed success stories in Consumer Lending in Eastern Europe, Platinum Bank (Ukraine), which was exited in 2013 generating over $150 million for the investors. Before that, Greg spent 10 years in Private Equity in Europe at Bank of America (London) and Innova Capital (Warsaw). A serial entrepreneur at heart, Greg’s launched his first business at the age of 18, earning his way through college in the USA through coding and PC repair. Global citizen, having lived in 8 countries across 3 continents, and done business in 40+ countries, currently residing in Singapore. Married, with one son. Lifelong hobbies include sailing and music. Considering balance to be key to a successful life, Greg had lived and cruised Southeast Asia aboard a sailboat for 2 years with his family, as well as recorded two albums, one of which is published on Spotify. Greg is a long-standing member of the global Young President’s Organization (www.ypo.org), and the Founder of its Kyiv Chapter. Fluent in English, Polish, and Russian. Graduate of Cambridge University (UK) and Arizona State University (USA).