Makara PEN, a seasoned banker with sound knowledge of complicated substantial debt structuring both in Cambodia and across borders, and who is very keen on financial technology, has had a successful executive career of over 15 years. Currently the CEO of Angkor Capital Specialized Bank which specializes in the provision of substantial loans and private wealth management, he directs a highly qualified and effective team which now manages a portfolio upwards of USD 200 million in Cambodia and also plays a part in international deals and partnerships throughout other ASEAN nations as well as Europe and the USA. Mr PEN’s abilities are recognized and respected within and beyond his own industry. He is a board member of the Association of Banks in Cambodia, an organization which plays a vital role in the development of the banking and financial industry in Cambodia and also holds board membership of the Culture and Environmental Preservation Association, advocating sustainable uses of natural resources, and of the Israeli Blockchain Association, an organization which facilitates business leaders, educators, policy-makers and others in understanding and making use of globally accepted, industry-leading practices for Blockchain technologies. As a person and leader, Mr. PEN, who has a history of turning failures into successes, is always keen to stretch the bounds of the possible. He prioritizes and promotes effective teamwork, a legacy of his own extensive experience in working in a variety of different countries and working cultures, from France and Switzerland to Canada, Thailand, USA and Vietnam. Mr. PEN believes that there is always much more to learn, so reading and writing have become his particular pleasures, which allows him to benefit from the experience and knowledge of others while always looking for opportunities to share back whatever skills and knowledge he himself has acquired.