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Roy has over 20 years experience in investment banking, foreign exchange trading and inter-bank payments. A natural innovator in financial technologies, he was instrumental in the delivery of FAST, an ambitious real-time payment network across 14 Singapore banks. Roy has a strong background in creating cryptocurrencies trading systems and providing consultations in use of blockchain and smart contract technologies in solving real-world problems. He established InfoCorp Technologies to provide infrastructure to accelerate financial inclusion to unbanked communities and solve end-to-end supply chain logistics problems through the use of blockchain technology. Sentinel Chain, an Infocorp project designed by Roy is a blockchain-based international marketplace for cross-border financial services and the world’s first platform to accept use of livestock as collateral, recently cited by World Economic Forum as an "exciting and practical" use case that provides "livestock-backed financial services for (the) unbanked" in their May 2018 report, "The Global Financial and Monetary System in 2030": http://www3.weforum.org/docs/WEF_Global_Future_Council_Financial_Monetary_Systems_report_2018.pdf (p 11). Roy is Senior Research Fellow at the Singapore University of Social Sciences where he teaches blockchain programming and smart contracts.