I create and invest in products and services that create value for consumers, usually at the expense of the established order. Here are some examples: ✦ Founded Malaysia's only business radio station, BFM 89.9, that disproved conventional thinking then that Malaysian radio listeners only wanted entertainment content. BFM has gone on to become the most influential radio station in Malaysia✦ Founded Fi Life, that aims disprove the adage "insurance is sold and not bought", by operating Malaysia's first online life insurance service. Work-in-progress.✦ Worked with JobStreet.com to disrupt the newspaper recruitment classifieds market in South-East Asia by launching an online job portal and related recruitment tools. Tick, job done.✦ Invested in Newswav, a Malaysian news aggregator, so all your news can be in one app. Work-in-progress✦ Invested in Kakitangan.com, that provides cloud-based payroll and leave services. Work-in-progress.✦ Invested in BossBoleh.com, Malaysia's first online company secretary. Work-in-progress.At Fi Life, I am working towards increasing the financial wellness of Malaysians:✦ Working with employers to provide financial wellness programmes for their employees.✦ Moderating weekly webinars on important topics that impact your personal finances✦ My radio station hosting a weekly radio programme, Ringgit & Sense, to increase your financial literacy✦ And soon, launching financial advisory services that will develop your own individual financial planIf there was just one thing more I'd like to do, it would be making a meaningful impact on the quality of education in the 10,000 schools we have in Malaysia.