Michael is a Partner in the Financial Services practice of Oliver Wyman, based in Hong Kong. He has rich consulting experience across Asia, focusing on global transaction banking, digitization, and payments innovation. He has worked with both traditional banks and fintech startups on issues including digital acceleration, market entry strategy, and target operating model design. Michael also has co-authored recent reports discussing China’s digital yuan, the e-CNY, and multilateral central bank digital currencies (mCBDCs).