Lito is among the few dynamic, visionary, and entrepreneurial game-changers, subject matter experts, thought-leaders, and implementation-focused executives in inclusive digital finance and digital transformation. His over 20 solid years of experience in the fields of digital banking, payments and telecommunications industries including enabling regulations are focused on delivering customer-centric, demand-driven and high impact innovative digital financial services. He was one of the founding executives of PLDT and Smart Communications' Voyager Innovations and PayMaya mobile money, previously Smart Money. He started the FinTech business in the PLDT Group in 2013. So far, it merited close to 50 local, regional and global accolades, including being cited as one of Asia's 100 Fintech Leaders, the first and only Filipino included in such list. Among his accomplishments include quickly scaling the Philippines’ first and largest digital lending platform Lendr with loans disbursed in excess of US$700 million in less than four years, and digitally enabling more than 100 bank and non-bank financial institutions. It has the most extensive digital footprint covering all 81 provinces nationwide .It was recognized as the Consumer Finance Product of the Year by the Asian Banker. He started his career with the Economist Intelligence Unit (EIU) as its associate editor, then with LANDBANK as one of the pioneer global banking officers when it established its overseas remittance business. This was followed by his stint at the International Finance Corporation as consultant focusing on mobile money transfers in Mongolia. He was then invited by Visa to be the lead in customer strategy and market activation on global mobile payments covering 35 markets in Africa, Asia, Latin America, and Eastern Europe. He was elected member of the Asia Board of the Mobile Ecosystem Forum, a global trade body based in London.