Designing From Scratch: Building a Digital Bank that Works for Everyone w/ Chee Mun Foong

On todays episode Danny is joined by Chee Mun Foong the Chief Product Officer of YTL–Sea Digital Bank, where he leads the design and execution of next-generation financial products for Malaysia’s newest digital banking venture.

A seasoned fintech leader, Chee Mun was previously the Co-Founder and CTO of MoneyLion, one of the first neobanks in the U.S., where he helped scale the platform to millions of users through innovative credit, investment, and personal finance tools.

With deep expertise in digital banking, embedded finance, and product-led growth, Chee Mun brings a unique blend of technical vision and business acumen to every transformation challenge.

In this podcast, Chee Mun shares his insights on building a digital bank from scratch. Including what’s been the most energizing and challenging part of designing a digital bank from the ground up...Plus:

- Inclusion not as a feature, but as a core design principle

- How to build scalable, modular products that can adapt to rapid changes in regulation, customer needs, and competition - without losing speed

- How to balance sleek digital UX with the robustness and reassurance users expect from a bank

- How to approach designing digital products that resonate with Malaysian users, while also meeting global benchmarks

- How to build and lead product teams that can handle complexity, uncertainty, and a deeply collaborative environment

- Looking back on your career - from early fintech to now - what are some product lessons that have stuck with Chee Mun?

Are you getting every episode of Digital Transformation & Leadership in your favourite podcast player? You can find us Apple Podcasts and Spotify to subscribe.