Alex Ryu is CEO and co-founder of Kakaopay Corp., the largest fintech service platform in Korea leading fintech innovations across payments, money transfers, investments, and financial information managements. Kakaopay spun off from Kakao Corp., Korean de facto standard messenger service provider with the initial funding from Ant Financial in 2017.Ever since introducing the very first mobile payment to the Korean market in 2014, Young-Joon has been disrupting a wide spectrum of financial experiences not just for consumers but also for merchants, institutions, and government agencies across the nation.