Tonik Bank: Philippines’ First Digital Bank | Icebreaker

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Tonik Bank: Philippines’ First Digital Bank | Icebreaker

Tonik Bank: Philippines’ First Digital Bank

Expect only fast, easy, and secure transactions from Tonik, a digital bank that offers services that actually help you save. Start neobanking now!

6 members

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tonikbank.com

Members

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I am a seasoned CTO with over two decades of experience in driving digital transformation and fintech innovation across the banking, telecom, and financial services sectors. As the Founder and CEO/CTO of Inypay, I lead an AI-powered neobank committed to reshaping financial accessibility for millions across Southeast Asia by delivering personalized, affordable, and secure banking solutions. My career is built on a passion for harnessing cutting-edge technology to solve complex challenges and accelerate business growth. My journey in fintech started long before Inypay, with a track record of leading technology transformations for top-tier banks and telecom companies across Southeast Asia and India. As the former Group CTO and founding team member of Tonik Digital Bank, I spearheaded the development of the first neobank in the Philippines, driving technology, operational strategies, regulatory compliance, and stakeholder management. I also led the first implementation of AWS Cloud and Google Cloud for digital banking in Southeast Asia, leveraging tools like API Gateway (Apigee), Data Lake, and AI driven scalable and secure solutions along with Modern Banking Tech Solutions such as DX, CRM, CDP, Core, Card, Payments, Fraud, Compliance, Security, Reporting and Monitoring Capabilities. Throughout my career, I have had the privilege of collaborating with major financial institutions, including DBS, UOB, Maybank, and OCBC in Singapore; Axis Bank and Citi in India; and China Bank and Union Bank in the Philippines. My work extends to telecom giants like Celcom/Axiata Group Malaysia, where I implemented an enterprise-wide digital transformation using Google Cloud. I hold dual master's degrees in Computer Applications and Business Administration, and I'm certified in TOGAF, ITIL, Cloud, Scrum, and Agile methodologies. My diverse technical background has allowed me to implement strategies that align business needs with technology innovation, creating value for organizations and their customers. As a thought leader in the industry, I frequently share insights on digital banking, AI, and the future of fintech through speaking engagements, blogs, and my YouTube channel. I’m committed to empowering businesses to innovate and adapt in a rapidly evolving digital landscape. Let’s connect to discuss how technology can redefine the future of financial services and drive business transformation.

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Investment Professional

Nilotpal Borpujari

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Experience •Seasoned Credit Risk and Assurance professional with diversified multi- country experience of 28+ years in the Retail ,Small Business and SME (Small and Medium Enterprises) segments in the Banking and Financial Services ( including Fintech) industry Start up experience of building complete risk infrastructure from scratch o Core experience in Credit Risk (Underwriting/Credit Administration; Credit/Product Policy ; Portfolio Credit Review) o Strong Orientation towards Analytics and Regulatory Compliance o Complementary skill sets and experience in the area of Control and Assurance (Internal Audit/Credit Audit) o Experience of working in start-ups (both Fintech and Brick and Mortar) as well as managing scale in established set ups ; have led large teams and worked in multi-cultural environments Diversity of Exposure • Mobility across roles, domains, geographies, product and customer segments oExposure to a wide array of products - Secured (Asset Based) and Unsecured products i.e. Personal Loans; Credit Cards; Auto Loans; Mortgages; Commercial Vehicles/Construction Equipments; Working Capital oInternational emerging market exposure in diverse (and challenging) geographies ( UAE,India, Philippines,Russia) oDomain - Credit Risk ; Control and Assurance (Internal Audit) oCustomer Segments – Retail, Small Business and SME

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I am the Founder & CEO of Tonik, the Philippines’ first licensed digital bank. We're building the region’s leading credit-led neobank, scaling with industry-leading lending profitability and contribution-margin positivity as of Q1 2025. Backed by Insignia, Mizuho Bank, Peak XV (ex-Sequoia), and Point72, with $150M+ raised to date, we’re unlocking a $40B consumer credit gap through AI-driven lending and B2B2C distribution. I've been building banks & fintechs for 20+ years (Credolab, FLOW, AsiaKredit, FORUM, Platinum Bank), passionate about solving credit access in emerging markets. I bring a global lens—having lived in 8 countries and skippered my sailboat across Asia. Also, I make music (yes, on Spotify). If you're an operator or investor aligned with bold, disciplined fintech plays—let’s talk. Not here to be sold stuff, but always open to real conversations.

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Helping to build next generation leading technology companies in Southeast Asia as a VC and adviser to early stage startups. Passionate about embracing technology to change the world for the better! Short Bio: • Experienced in venture capital, private equity, startup, MNC and banking roles across Europe, Asia and Africa • Skilled in corporate development and M&A, investing, strategy, business development and management • Well-rounded thinker, doer and communicator; an independent self-starter who is equally at home in highly-matrixed structures or in agile autonomous teams • Won the Harvard Global Case Competition 2017, representing London Business School (LBS) • Scholarship recipient for LBS Masters in Finance awarded by the Monetary Authority of Singapore • Default operating mode is “striving”; my drive stems from a passion for learning, an orientation towards results and an adaptable growth mindset • Enjoy reading and podcasts, skiing, traveling, and eating; wished I had more talent dancing and singing!

Yevhen Plotytsya

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Summary - 32+ (17+ at С-level).years of professional OPS and PMO experience in the banking industry - Solid experience in „building from scratch” technical and operations infrastructure; performance tuning and bottleneck resolution. - Knowledge and implementation experience in Business Continuation Plans, Operating Manuals, Department procedures, MIS reports, GL, P&L, Change Management - In my current portfolio 4 different startup projects: 2 digital banks and 2 financial companies in Southeast Asia, from scratch, and 3 are already operational, 1 in the final face of implementation. For all projects, I was in the acting COO position. Spoken languages: Russian - native Ukrainian - native English - fluent