Vietnam FinTech Scene: The Good, The Bad & The Ugly | Ryan Galloway, Country Director, Funding Societies | Zero to X S2E04

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In this episode of Zero to X, host Ruby Nguyen sits down with Ryan Galloway, the Country Director of Funding Societies Vietnam, a leading FinTech startup that has facilitated over $3 billion in financing for SMEs across Southeast Asia. With 13 years of experience in finance and technology, Ryan has built an impressive career in Vietnam, navigating challenges and opportunities in one of the world’s fastest-growing markets. Ryan shares his unique journey from being a lawyer to becoming a FinTech leader and why he considers himself an "intrapreneur"—someone who acts like a founder within the companies he works for. He opens up about the realities of building a startup in Vietnam, discussing the rise of innovative technologies like QR codes, the challenges of accessing capital, and the secrets to thriving in a dynamic market. This episode also dives into personal reflections, including the loneliness of leadership, lessons learned from a $120 million mistake, and how boxing helps him manage stress. Ryan’s humor and transparency make this conversation both insightful and relatable for entrepreneurs and professionals alike. Whether you’re interested in Vietnam’s FinTech revolution, the power of intrapreneurship, or the personal stories of resilience behind business success, this episode has it all. 🔔 Subscribe now to discover untold stories of entrepreneurship and innovation on Zero to X.

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Timestamps 0:00 Meet our guest, Ryan Galloway

3:28 The story of landing then staying in VN for 13 years

9:24 The love for entrepreneurship and his journey in Fintech

15:45 The evolution of Fintech

18:57 The key difference between leading financial technology markets

21:31 The future of fintech in Vietnam

24:47 Untapped opportunity in fintech in Vietnam

27:11 Setting up his own company?

28:18 Entrepreneur vs. Intrapreneur

31:23 Biggest mistake during his career

38:53 Attachment, detachment and work-life balance

46:35 Being a person who listens

50:13 Fun Q&A's