About
What's Behind
Embed Financial Group Holdings?
We're on a mission to support the underinsured and underprivileged — what we call “the man on the street”.
By building systems that unlock long-term value at scale. Whether through embedded protection, accessible credit, or better digital infrastructure, our mission is to make economic empowerment part of the everyday journey.
We're not a solution.
We're a Value Creation Platform.
Our Philosophy
Value shouldn't be a bonus — it should be built in. We believe that truly scalable impact comes from embedding value into every touchpoint: onboarding, transactions, operations, and ecosystems.
EFGH exists to help partners do just that. Not through one-off tools or short-term campaigns, but by designing cohesive systems that support growth, inclusion, and retention — across platforms, products, and people.
Our Northstar
Create Value.
For Tomorrow.
We build for sustainability, not just
scale.
We create value that lasts.
"Create Value"
means we focus on outcomes: protection, access, revenue, retention. Real gains, not vanity metrics.
"For Tomorrow"
reflects our commitment to long - term impact — especially in markets where infrastructure is still emerging and inclusion is still uneven.
Meet Our Team
Group
Dennis Ng
Founder & Executive Chairman
Dennis has over 18 years of experience in insurance and business strategy, with past roles at Citibank and Allianz Consulting, driving group and strategic initiatives across Asia.
Group
Chia Hock Lai
Co-Founder & Group Chief Financial Strategy Officer (CFSO)
Chia Hock Lai has more than two decades experience in finance and tech. An award-winning digital transformation and skills development leader, he chairs the Responsible Fintech Institute and Digital Assets Association and co-founded the Singapore FinTech Association and Blockchain Association of Singapore.
Group
Kingsley Sok
Group Chief Commercial Officer (CCO)
Kingsley is an investor and entrepreneur with expertise in data center development, including the successful sale of a purpose-built data center to Keppel DC REIT. He now manages investments for his Single Family Office, focusing on private equity and disruptive software companies.
Our Group Executives
Group
Dennis Ng
Founder & Executive Chairman
Dennis has over 18 years of experience in insurance and business strategy, with past roles at Citibank and Allianz Consulting, driving group and strategic initiatives across Asia.
Group
Chia Hock Lai
Co-Founder & Group Chief Financial Strategy Officer (CFSO)
Chia Hock Lai has more than two decades experience in finance and tech. An award-winning digital transformation and skills development leader, he chairs the Responsible Fintech Institute and Digital Assets Association and co-founded the Singapore FinTech Association and Blockchain Association of Singapore.
Group
Kingsley Sok
Group Chief Commercial Officer (CCO)
Kingsley is an investor and entrepreneur with expertise in data center development, including the successful sale of a purpose-built data center to Keppel DC REIT. He now manages investments for his Single Family Office, focusing on private equity and disruptive software companies.
Our Regional Executives
Asia | Singapore
Eldwin Wong
Chief Executive Officer - Asia
Eldwin has 15 years of experience in finance, lending, and technology, with a diverse background in business management. He is the founder and CEO of INFT, a platform delivering digitized supply chain solutions for wholesalers, distributors, platforms, and MSME retailers.
Africa | DRC
Eric Mboma
Chief Executive Officer - Africa &
Director - DRC
Eric brings over two decades of leadership across financial services, infrastructure, and impact investing.
His previous roles include Regional CEO, MENA at Prudential Plc, Group Executive Director at AGF Funds, CEO of Standard Bank DRC, and senior positions at Credit Suisse and BHP Billiton.
Africa | Zimbabwe
Gordon Tam
Chief Commercial Officer - Africa
Gordon brings over a decade of experience in business development, strategic growth, and market acquisition across Africa, Asia, and Europe.
He has successfully led cross-border initiatives, forged key partnerships, and driven revenue expansion in diverse sectors including finance, trading, mining and technology.
Africa | Botswana
Ewetse Khama
Director - Botswana
Ewetse has a strong heritage of community building inherited from a family of nation builders. He focuses on creating mutually beneficial opportunities with inclusive outcomes for communities.
His experience is rooted in media and communications with a twenty year track record in multiple African countries working with global brands.
Our Global Advisors
Wilf Blackburn
Non-Executive Chairman of the Advisory Board &
Strategic Investor
Wilf has nearly 40 years of leadership in insurance, including as Regional CEO of Prudential Corporation Asia. He is now the advisorutive Chairman of LivWell Asia, focusing on innovation in digital health and insurtech.
Monika Shupikai Simmons
Non-Executive Advisor
Monika leads Private Capital at Rand Merchant Bank, specialising in global debt and equity capital raising. She has over 15 years of experience working across the US, UK, Europe, and Africa.
Munya Chiura
Non-Executive Advisor
Munya has over 25 years of experience in financial services. He is currently Head of Africa Business Development at MPOWER Financing and has held senior roles at Flutterwave and Flywire, mentoring fintech leaders through the Visa Africa Accelerator Programme.
Odd Haavik
Non-Executive Advisor
With over 35 years in the financial services industry across Asia, Odd Haavik is a seasoned C-suite professional with expertise in investment banking and insurance. He has held prominent roles in Hong Kong and Singapore. As the former Chief Distribution Officer at a top Singapore insurer, he managed a 5,000-member agency force and key bancassurance relationships.
We are constantly looking for talent to help us drive more success.
We are constantly looking for talent to help us drive more success.
Where We Operate
We're on the ground in the markets that matter most to us
— with local teams, regulatory experience, and
operational capacity to scale fast.
Our Trusted Partners
Across Diverse Industries
Let's Build Something
Meaningful Together
Whether you're creating new digital pathways for your business or aligning with our mission to empower communities.
Let's make it intentional, valuable, and scalable.
Something Bigger in Mind?
For Investors
Discover how we're building scalable
infrastructure to power embedded
economies in emerging markets.
Get the Deck.
Understand the Impact.
Submit your contact to receive our investor deck.
For Potential Partners
Have users?
Let's work together to embed
real value into every interaction.
For Talents
Be part of a team creating meaningful
infrastructure for high-growth,
high-impact markets.
Discover how we're building scalable infrastructure to power embedded economies in emerging markets.
Get the Deck.
Understand the Impact.
Submit your contact to receive our investor deck.
