Raise Your Level of AI Ambition - Microsoft's AI Strategy for Developers with Jay Parikh

Fresh out of the studio, Jay Parikh, Executive Vice President of Core AI at Microsoft, joins us to explore how Microsoft is fundamentally transforming software development by placing AI at the center of every stage of the development lifecycle. He shares his career journey from scaling the internet at Akamai Technologies during the dot-com boom, to leading infrastructure at Facebook through the mobile revolution, and now driving Microsoft's AI-first transformation where the definition of "developer" itself is rapidly evolving. Jay explains that Microsoft's Core AI team, is moving beyond traditional tiered architecture to a new paradigm where large language models can think, reason, plan, and interact with tools—shifting developer time from typing code to specification and verification while enabling parallel project execution through specialized AI agents. He highlights how organizations like Singapore Airlines cut project timelines from 11 weeks to 5 weeks using GitHub Copilot and challenges both individuals and enterprises to raise their level of ambition: moving from being amazed by AI to being frustrated it can't do more, while building cultural experiments that unlock this exponential technology. Closing the conversation, Jay shares what great looks like for Microsoft's Core AI to enable AI transformation for every organization around the world. "There's this set of people that are using these AI-powered tools and they're like, 'Wow, that's amazing!' Stunned as to how incredible the response is from AI. Then there's another set of people that have these experiences when they work with AI—they’re frustrated with it because they're just like, 'Why can't it do this for me yet?'And they're pushing the envelope of what this LLM or what this system can do, what this tool can do. If you are in the former group, then you need to raise your level of ambition. You need to delegate harder things to it. And if you're in the second group, then you need to learn more about how these things work." - Jay Parikh Episode Highlights:[00:00] Quote of the day by Jay Parikh[01:00] Introducing Microsoft's Core AI strategy and transformation[02:34] Career philosophy: pursuing hard problems and discomfort[04:08] Core AI team's mission: empowering every developer[06:00] Reinventing the entire software development lifecycle[09:17] Parallel projects and agents transforming development workflows[12:12] AI first strategy across Microsoft's product ecosystem[15:37] GitHub platform beyond code: context and orchestration[20:33] Building AI platforms: lessons from scale experience[21:00] Two mindsets: amazement versus frustration with AI[22:15] Raising ambition and pushing AI tool boundaries[25:00] Enterprise adoption challenges: tools and cultural transformation[28:00] Learning loops: shrinking circles to accelerate growth[31:00] Alignment without tight coupling across global teams[36:56] Concrete trends: use tools, understand model development[40:27] Responsible AI and security built from start[43:30] Asia innovation: two thirds of developers here[46:19] Raising ambition to unlock human creativity collaboration[48:35] Goal: AI transformation for every global organizationProfile: Jay Parikh, Executive Vice President, Core AI, Microsoft LinkedIn: https://www.linkedin.com/in/jayparikh/Podcast Information: Bernard Leong hosts and produces the show. The proper credits for the intro and end music are "Energetic Sports Drive." G. Thomas Craig mixed and edited the episode in both video and audio format.

"Public markets are behaving more like private markets. Private markets want to behave more like public markets. So actually, they're just one market.What's not the same is the level of research, information, data disclosure. Correct. That's the only difference. It's this information gap that, to us, is the single biggest opportunity now.We think over the course of the next five to 10 years, there'll be more trading venues, more liquidity providers, more market makers, more investor types—all of that. And I think what Smartkarma has always done is be the information flow for part of capital markets.In fact, that sort of 74 billion number, I think, is quite conservative. I've seen other estimates that are close to 120 billion. So it depends on what you see as sort of growth and what you see beyond. But regardless, I think it’s very large numbers, and the ratio of exit to invested capital is extremely low. A 50 billion hole is a pretty big hole." - Raghav Kapoor, CEO of SmartkarmaRaghav Kapoor, CEO & co-founder of Smartkarma, joined us for a conversation on the launch of PvtIQ and the structural transformation of Asia's private markets. Drawing from his experience building Smartkarma's independent research platform, Raghav explained how client demand for pre-IPO coverage led to creating PvtIQ, an intelligence platform designed to bridge the critical information gap in Southeast Asia's private markets. We discussed the striking imbalance where $74 billion has been invested into the region's tech ecosystem but only $23 billion has been returned through exits, highlighting the urgent need for better data infrastructure and price discovery. Raghav shared unique insights on how families dominate the region's investment landscape, why private and public markets are converging into one, and his vision for PvtIQ to become the intelligence backbone supporting companies, investors, and regulators in bringing more transparency and efficiency to Asia's rapidly evolving private market ecosystem.Episode Highlights:[00:00] Quote of the Day by Raghav Kapoor[00:57]] Smartkarma launches PvtIQ for Asia's private markets[03:11]] Investors requesting coverage three years before IPO[04:08]] Supporting MAS equity market development program[05:24]] Singapore's public markets languished despite private growth[06:13]] Path from fundraising to public listing explained[08:37]] $74 billion invested, only $23 billion exits[09:45]] Companies need support to achieve IPO readiness[11:00]] Capital chasing deals shifted to improving disclosure[11:57]] Southeast Asia's extreme market fragmentation challenges[13:23]] Families dominate and influence Southeast Asian markets[14:38]] Lack of data creates serious structural challenges[19:01]] Private market investors transitioning from momentum investing[20:18]] Digital banks provide disclosure model for research[21:24]] Late stage private rounds resemble public IPOs[23:26]] Liquidity without information is just volatility[24:06]] Private and public markets converging into one[25:30]] Information gap is the single biggest opportunity[27:00]] Private market research TAM already $8 billion[28:57]] What great looks like: intelligence backbone for Asia's private markets[30:57]] ClosingProfile: Raghav Kapoor, CEO and co-founder, SmartkarmaLinkedIn: https://www.linkedin.com/in/ragkap/Podcast Information: Bernard Leong hosts and produces the show. The proper credits for the intro and end music are "Energetic Sports Drive." G. Thomas Craig mixed and edited the episode in both video and audio format. Recorded in Poddster Singapore

Fresh out of the studio, Karen Hao, investigative journalist and author of "Empire of AI" joined us in a conversation to unravel how companies like OpenAI, Anthropic, and xAI have become modern empires reshaping society, labor, and democracy itself. Karen traces her journey from mechanical engineering at MIT to becoming one of the tech industry's most critical voices, sharing how Silicon Valley's innovation ecosystem has distorted toward self-interest rather than the public good. She unpacks the four characteristics that make AI companies mirror colonial empires: resource extraction through data scraping, labor exploitation of annotation workers, knowledge monopolies where most AI researchers are industry-funded, and quasi-religious quests to build an "AI God." Throughout the conversation, Karen reveals OpenAI's governance dysfunction stemming from its contradictory non-profit-for-profit structure and shares the inspiring story of Chilean water activists who successfully blocked Google's data center from draining their community's freshwater resources. She explains how Sam Altman's plans for 250 gigawatts of data center capacity—equivalent to four dozen New York Cities—would be environmentally catastrophic, while demonstrating how China's export restrictions paradoxically spurred more efficient AI innovation. Last but not least, she argues that empathy-driven journalism remains irreplaceable and calls for global citizens to hold these companies accountable to the broader public interest."These empires are amassing extraordinary amounts of resources by dispossessing a majority of the world. That includes like the data that they're extracting from people by just scraping it from online or intellectual property that they're taking from artists and creators. Most AI researchers now work for the AI industry and/or are funded in part by the AI industry. Even academics that have stayed within universities are often funded by the AI industry, and the effect that that has had on knowledge production is akin to the effect we would imagine if most climate scientists were bankrolled by the fossil fuel industry. I cannot stress enough how much they genuinely believe that they are on the path to creating something akin to an AI god, and that this is going to have cataclysmic shifts on civilization." - Karen Hao, Author of Empire of AIEpisode Highlights:[00:00] Quote of the Day by Karen Hao[00:47] Introduction: Karen Hao, Author of "Empire of AI"[01:44] From MIT engineering to investigating AI journalism[02:51] Silicon Valley distorts innovation toward self-benefit[04:12] AI companies as modern empires of power[06:00] Four traits of Empire: extraction, exploitation, monopolies, ideology[09:01] Quasi-religious movements driving Silicon Valley AI development[10:04] AGI believers speak specialized fanatical vocabulary[11:16] OpenAI founding: nonprofit facade, profit ambitions[13:53] Sam Altman firing: board's failed governance attempt[17:13] Fragmentation: every billionaire building their own AI[19:06] China's export controls sparked efficient AI innovation[21:57] Silicon Valley lacks American democratic values entirely[25:06] Chilean activists successfully blocked Google's water extraction[28:51] Sam Altman's 250 gigawatts: four dozen New York cities[31:21] Scaling continues despite base model asymptote reached[32:53] Benchmarks faulty: training data unknown, results unreliable[39:11] Success: sparking conversation about AI's human costs[39:40] ClosingProfile: Karen Hao, Author of Empire of AI and Investigative Journalist LinkedIn: https://www.linkedin.com/in/karendhao/Personal Site: https://karendhao.com/Podcast Information: Bernard Leong hosts and produces the show. The proper credits for the intro and end music are "Energetic Sports Drive." G. Thomas Craig mixed and edited the episode in both video and audio format.

Simon Milner, Vice President of Public Policy for Asia Pacific at Meta, joins us to explore how Meta's deliberate commitment to open source AI is reshaping innovation across the world's most diverse and dynamic region. He shares his journey from the BBC to nearly 14 years at Meta, where he built policy teams from the ground up to lead Meta's Asia Pacific strategy. Simon unpacks Meta's open source philosophy behind the Llama models, explaining how openness accelerates innovation through community scrutiny, provides governments greater control over sensitive data, and enables local developers to fine-tune models for languages like Korean, Vietnamese, and Bahasa Indonesia. He highlights compelling use cases across the region in Japan and Korea. Looking ahead, Simon reveals why the future of AI is not on our phones but in wearables like AI-enabled glasses that create always-on assistants seeing what we see and hearing what we hear, enabling us to be more present in the world while Meta supercharges its family of apps serving billions globally. Last but not least he shares what great looks like for Meta in the Asia Pacific on open source AI."We believe that openness is actually a really key feature of accelerating innovation because it fosters inclusion, it builds trust, and it ensures that the benefits of AI are more evenly distributed around the world.The openness of models allows other people to, as they were, push and pull and prod at the models at a fundamental level in order to see where might the problems be. And so that kind of community, the developer community scrutiny around open source is fundamental to spotting issues and addressing them quickly.Actually, the story of AI is about yes... that is important. The investments that companies like Meta and others are making is important, but actually, it's really about local ownership and local innovation." - Simon MilnerEpisode Highlights: [00:00] Quote of the Day by Simon Milner from Meta[01:37] Simon's journey: BBC, BT, Meta's 14-year evolution[03:12] Navigating diverse regulatory landscapes across global markets[05:24] Career advice: Take risks, embrace unexpected opportunities[07:54] Open source AI democratizes access and innovation[10:21] Meta sparked open model trend, others followed[14:49] Open models enable faster innovation through community[16:21] Government control and data sovereignty with open[19:13] Governance mechanisms: transparency, red teaming, community engagement[22:49] Meta learned responsible AI through 20 years experience[25:49] Singapore, Japan, Korea developers using Lama locally[28:26] AI isn't just big companies and includes local innovation[31:15] Keeping AI open prevents fragmented national bubbles[34:01] Governments balancing open innovation with national interests[37:00] Future AI: wearables and glasses, not phones[38:19] Always-on AI assistants seeing and hearing you[41:35] Supercharging Meta apps and building new products[42:00] ClosingPodcast Information: Bernard Leong hosts and produces the show. Proper credits for the intro and end music: Energetic Sports Drive and the episode is mixed and edited in both video and audio format by G. Thomas Craig. Visit our Analyse main site: https://analyse.asia

Fresh out of Oracle AI World 2025, Chris Chelliah, Senior Vice President of Technology and Customer Strategy for Japan and Asia Pacific at Oracle, joins us to unpack how Oracle is positioning itself as the definitive enterprise AI platform across the region. He shares his career journey from a computer science geek working on distributed databases to leading technology strategy across a market representing two-thirds of the world's population. Chris explains Oracle's comprehensive four-tier AI stack—infrastructure, data platform, applications, and agentic orchestration—emphasizing how this unique full-stack ownership enables enterprises to consume AI out of the box and extend seamlessly without ripping and replacing existing systems. He highlights compelling use cases from financial fraud detection and healthcare automation to precision agriculture and energy grid optimization. Closing the conversation, Chris shares his vision for what great Oracle will look like in Asia Pacific, continuing its 50-year legacy as the behind-the-scenes platform provider powering everything from OpenAI and TikTok to global banking infrastructure. What's been consistent for Oracle is to be a platform provider that helps organizations unlock full value of their data. Today it is all about AI and unlocking the value of your data in AI, and cloud is a mandatory enabler. With AI and agentic AI, an agent is effectively an employee—it's an automated employee, a process, a workflow. You want your employees to be within your ecosystem, within your firewall. AI thrives at the edge because that's where inference happens. With AI and agentic AI, an agent is effectively an employee—it's an automated employee, a process, a workflow. You want your employees to be within your ecosystem, within your firewall. AI thrives at the edge because that's where inference happens. - Chris ChelliahProfile: Chris Chelliah, Senior Vice President of Technology and Customer Strategy for Japan and Asia Pacific at Oracle https://www.linkedin.com/in/chrischelliah/Episode Highlights: [00:00] Quote of the day by Chris Chelliah[02:10] Chris's journey from computer science to enterprise tech[03:13] Technology tinkering and Oracle's innovation culture explained[04:17] Two-thirds world population drives APJ market potential[05:06] Career advice: Find passion, own your brand[06:54] Oracle's mission: Unlocking data value for enterprises[07:58] 47,000 customers, 44% yearly consumption growth in JPAC[08:51] Oracle AI World 2025: AI changes everything announcement[09:12] Four-tier stack: Infrastructure, data, applications, agents[11:25] AI Data Platform enables production-grade AI systems[14:14] AI Agent Studio and Marketplace solve scaling challenges[15:12] Agents as higher-level abstraction for enterprise automation[16:27] Real-world AI use cases across industries shared[18:49] Multi-cloud strategy accelerates enterprise AI adoption[21:16] Partners enable scale with 100 marketplace solutions[23:01] Convergent AI: Consume applications then extend capabilities[26:51] Multi-cloud and multi-model future requires strong governance[27:31] Four-tier security isolation from infrastructure to applications[29:57] AI agents need enterprise-level data residency controls[31:02] Using AI to accelerate cloud migration skills[[33:08] Design thinking to working prototype in days[36:10] Success metrics: Beat your personal best daily[39:55] Why Oracle differs: Only four-tier stack player[43:01] What great looks like for Oracle in the Asia Pacific[45:51] Closing Podcast Information: Bernard Leong hosts and produces the show. The proper credits for the intro and end music are "Energetic Sports Drive." G. Thomas Craig mixed and edited the episode in both video and audio format.

Fresh out of the studio, we commemorated the 10th anniversary of the e-Conomy SEA [Southeast Asia] Report with Sapna Chadha from Google, Florian Hoppe from Bain & Company, and Cassie Wu from Temasek, celebrating a decade of tracking Southeast Asia's digital transformation. The panel reflected on the region's remarkable achievement of reaching $300 billion in GMV—exceeding the original $200 billion goal by 1.5x—alongside revenue growth of 11x over the past decade. The panellists examined pivotal themes including Southeast Asia's position as the world's most AI-curious region with three times more interest than elsewhere, the explosive rise of video commerce and the maturation of digital financial services. The conversation explored the expansion from SEA-6 to 10 ASEAN countries, the ecosystem's resilience through multiple crisis cycles, and the shift from growth-at-all-costs to sustainable profitability. The episode concludes with each panellist sharing their vision for 2030, emphasizing building trust in AI adoption, creating an inclusive AI economy that benefits SMEs alongside large platforms, and navigating the AI transition gracefully to unlock innovation while addressing employment challenges—underscoring Southeast Asia's evolution from digital catch-up player to global innovation leader rewriting the playbook for digital adoption."We set this audacious goal of 200 billion by 2025. People told us we were crazy. In 2016 when we put that ambition out there, we've actually reached 1.5x that and we've hit 300 billion. And so it's just reflective of this incredible economy." - Sapna Chadha"Indonesia e-commerce still I think is larger or about the same size as all of India e-commerce. And yet the attention tends to be a little bit veering away from Southeast Asia, but this is actually a real economic powerhouse I think for all of Asia Pacific." - Florian Hoppe"Southeast Asia as a region, as we think about digital economy adoption, we are not playing catch up anymore. In many ways we're leading the digital adoption. We're writing how digital economy, how digital adoption could look like for a population and demographic like us." - Cassie WuProfiles: Sapna Chadha, Vice President Southeast Asia and South Asia Frontier, Google Asia PacificFlorian Hoppe, Partner at Bain & CompanyCassie Wu, Director, Southeast Asia at Temaseke-Conomy SEA 2025: https://economysea.withgoogle.com/Episode Highlights:[00:00] Quote of the Day by Sapna Chadha, Florian Hoppe & Cassie Wu[01:17] 10th anniversary of e-Conomy SEA Report[03:00] Digital economy hits 300 billion, exceeding goals[04:09] Ecosystem resilience through multiple crisis cycles[06:10] Report expands from SEA-6 to ASEAN-10[08:13] Southeast Asia most underappreciated AI opportunity[09:31] Indonesia e-commerce matches all of India[10:04] Region leading digital adoption, not catching up[12:13] Cash no longer king, payments fully inverted[13:00] Revenue growth 11x over past decade[15:00] 300 billion GMV despite headwinds and tariffs[16:00] Video commerce grew 5x in three years[19:03] Digital payments north of 60% of transactions[23:32] Super apps unique to Southeast Asia ecosystem[25:45] Data center capacity growing faster than anywhere[27:01] Lower labor costs delayed AI adoption initially[31:00] Ecosystem healthier than ever before[33:08] Talent is the critical AI bottleneck[35:19] Digital infrastructure must align with green economy[39:00] Southeast Asia remains globally underappreciated[40:39] Can Southeast Asia leapfrog into AI era[43:00] ClosingPodcast Information: Bernard Leong hosts and produces the show. The proper credits for the intro and end music are "Energetic Sports Drive." G. Thomas Craig mixed and edited the episode in both video and audio format.

Fresh out of the studio, Arnaud Frade, Managing Partner at Mesh Advisory and author of the upcoming book The Sentient Startup, joins us to explore how AI is fundamentally transforming entrepreneurship through the radical concept of AI as a true co-founder rather than merely a tool. He distinguishes between startups that are merely "AI-onboard" versus true sentient startups where AI operates as part of how the business is run, and introducing the concept of Machine Resources (MR) as a new organizational function alongside Human Resources to manage evolving AI models and maintain knowledge integrity. He emphasizes the co-intelligence model over the sterile human-versus-machine debate, highlighting how the 95% AI project failure rate stems from organizational issues rather than technology problems—a reality perfectly captured by the Banani framework (Brittle, Anxious, Non-linear, Incomprehensible) that explains why companies struggle with AI readiness. Closing the conversation, Arnaud shares what great looks like for The Sentient Startup: being part of the essential conversation about AI governance, accessibility across income levels, child safety, and building better regulations."The entire debate on human versus machine is extremely  in a way sterile because it very quickly veers towards the science fiction, the movies, the images we have, and it forgets the point about what can we gain.  but what can we gain in the context of having accountability and integrity with it? I think this is where the debate becomes more complex. So for me that's the bigger point is this is not about having less people. It's about having people  doing better things and  using their talent to really scale what they can do in that model of co-intelligence. " - Arnaud FradeEpisode Highlights:[00:00] Quote of the Day by Arnaud Frade[01:00] Introduction: Arnaud Frade [02:49] Arnaud's career journey [05:27] Advice: stick to values and volunteer for opportunities [07:21] Arnaud's story on his first book about algorithmic marketing [09::32] Sam Altman's solopreneur unicorn comment was the epiphany [10:04] Sentient startup: AI as co-founder, enhanced by co-intelligence [12:15] AI onboard versus AI as true co-founder distinction[16:45] Barriers to entry reducing with AI and agentic models[23:40] MIT report: 95% of AI pilots fail organizationally[28:15] Need overlay systems for effective agentic AI[30:45] Culture: retain humanity when engaging with AI[36:10] Governance frameworks for AI decision-making transparency [40:10] Banani framework: brittle, anxious, non-linear, incomprehensible[42:16] Co-intelligence model versus human versus machine debate[43:19] Goal: be part of the conversation on AI[44:15] Focus on regulations, access equity, and child safety[45:00] ClosingProfile: Arnaud Frade, author of "The Sentient Startup" which will launch on May 19, 2026 via Penguin Random House. Register at thesentientstartup.com for community updatesLinkedIn Profile: https://www.linkedin.com/in/arnaudfrade

Fresh out of the studio, Ralph Haupter, President & CRO, Small Medium Enterprises and Channels at Microsoft, joins us to explore how Microsoft is empowering 400 million small and medium businesses globally across 56 counties through a partner-first strategy that combines platform standardization with deep specialization. He shares his career journey spanning over 20 years at Microsoft, from running Europe to leading Greater China, building Asia's geographical operations in Singapore, and eventually taking on global SME strategy. Ralph explains that Microsoft's unique advantage lies in being a platform company at its finest, offering a complete technology stack from productivity to infrastructure, security, and applications—all with core AI integration—while relying on a specialized partner ecosystem to deliver local expertise and support. He highlights how partners are creating entirely new business models on agentic AI while emphasizing the four critical partnership moments from transaction to ongoing support that most companies neglect. Closing the conversation, Ralph shares what great looks like for Microsoft. “The partner program for us is a place where we want to have expertise for our customers. The only way to make that happen is to standardize on portfolio and standardize on offering.If you don’t provide standardized offers — if the experience in Word, for example, is different in one country than in another — you can’t build an ecosystem that helps partners scale with expertise. I call that a platform company at its finest.We have the full assortment — from the productivity world to infrastructure, security, and applications. And if you’re a small or medium enterprise, the last thing you want is to have four meetings with four people, serving four different types of coffee to four different vendors, just to get a full-stack solution for your business.” - Ralph HaupterEpisode Highlights: [00:00] Quote of the Day by Ralph Haupter [00:54] Ralph's 20+ year Microsoft career journey from Europe to China to Global [02:19] Ralph's Experience in Microsoft Greater China [04:24] Giving space to local country leaders [06:16] Career advice: Get out of comfort zone [08:02] Microsoft's 400 million SME customer opportunity [11:00] AI accessibility for small business competitiveness [13:09] Satya's vision: Empower every organization globally [15:00] Microsoft as AI platform company strategy [17:24] Standardization enables partner ecosystem at scale [21:22] Security partners drive consultative innovation [25:15] Full stack portfolio simplifies SME technology [28:00] Training investment for partners and customers [32:00] Four critical partnership moments: Sales to support [35:00] Local partner presence matters by geography [40:36] Scale requires clarity, simplicity, and standards [42:36] Global Leadership Lessons: Learning from positive performance signal deviations [45:22] Customers should ask partners for expertise [47:34] What does Great Look Like for Microsoft SME & Channel Globally [48:00] ClosingProfile: Ralph Haupter, President and CRO, Small Medium Enterprises and Channel (SME&C), Microsoft LinkedIn: https://www.linkedin.com/in/ralphhaupter/Podcast Information: Bernard Leong hosts and produces the show. The proper credits for the intro and end music are "Energetic Sports Drive." G. Thomas Craig mixed and edited the episode in both video and audio format.

Fresh out of the studio and we hit our 500th episode milestone, guest host Yana Fry from Yana TV turns the tables on Bernard Leong, CEO of Dorje AI and host of Analyse Asia, in a special ask-me-anything format. We start with Bernard's journey from finding his first guest to navigating 11 years of podcasting, revealing his 12-word life philosophy: "Learn from everyone, follow no one, observe the patterns, work like hell." Following on, Bernard shares how his theoretical physics background provides the tools on everything from digital transformation to building Dorje AI's vision of reimagining ERP systems. The conversation dives deep into Bernard's pragmatic idealist worldview, product management philosophy and focus on the future. Bernard announces a major rebrand: Analyse Asia is dropping "Asia" to become the Analyse Podcast as it expands to a global audience, marking a new chapter in the show's evolution."For Dorje AI, what great looks like is being able to solve the ERP problem for businesses. It could take five years, ten years, or even two decades — because every technology adoption cycle takes time. We’re at the beginning of a massive shift, but many still cling to the old ways of doing things. The one thing I’ve learned about digital transformation is this: everyone loves transformation, but they hate to change. Everything that people say will happen in two years usually takes five.When I think about Analyse Asia, greatness for me is being able to do an interview without looking at a set of questions — to tease out a guest’s story authentically, without prejudice, without being a fanboy. Just getting the story out. If I can do that, that’s great. Of course, hitting a million subscribers would be fantastic — that’s the next milestone I’m chasing. But for me, it’s always: ‘I’ve reached this milestone — what’s next?’When you think about frugality at the highest level, it’s not about resources — it’s about time. The real measure is how much time you can spend doing what truly matters. That’s what great looks like for me: asking, what’s the minimum amount of time I can make the maximum impact? Maybe I’ll never fully get there. But if we can say we lived this life without regret — that’s enough." - Bernard LeongEpisode Highlights:[00:00] Quote of the Day by Bernard Leong[01:00] Introduction: Yana Fry (Guest Host) and Bernard Leong[02:05] Early Days of Analyse Asia Finding first guest was biggest initial challenge[04:30] Looking at Everything from a corporate executive like a theoretical physicist[06:23] Podcast interviews are combinations of science and art[08:19] Pragmatic idealist philosophy shapes Bernard's worldview[10:17] 12 Word Advice: Learn from Everyone, Follow No One, Observe the Patterns & Work like Hell[13:00] Dorje AI solving fundamental ERP ledger problems[16:15] Attacking competitors' strongest strength - Lessons of history from Kublai Khan[21:34] New is Easy and Right is Hard for Product Management[24:00] Audio to video was hardest podcast pivot[29:25] Japanese craftsman approach keeps Bernard going[33:09] Analyse Asia rebranding to Analyse Podcast globally[39:55] Father's 50-year loyalty shaped Bernard's management philosophy[44:00] Asia is diverse cities, not monolithic continent[46:00] Most problems aren't AI problems after questioning[51:00] What does Great Look Like for Dorje AI, Analyse Asia and Bernard Leong?[52:10] ClosingProfile: - Bernard Leong, Host of Analyse Asia Podcast, CEO of Dorje AI https://dorje.ai, Adjunct Associate Professor from NUS Business School & Institute of Systems Science. - Guest Host: Yana Fry from  @yanatvsg  which we highly recommend and subscribe to: https://www.youtube.com/@yanatvsgLinkedIn: https://www.linkedin.com/in/yanafry/Podcast Information: Bernard Leong hosts and produces the show. The proper credits for the intro and end music are "Energetic Sports Drive." G. Thomas Craig mixed and edited the episode in both video and audio format.

Fresh out of the studio, Ling Hai, President of Asia Pacific, Europe, Middle East, and Africa at MasterCard, joins us to explore how payment networks are evolving to embrace stable coins, AI agents, and the future of digital commerce across diverse global markets. He shares his career journey from management consulting to retail banking and eventually to MasterCard. Ling Hai shares that MasterCard is a global technology company that creates interoperability and universal acceptance, with technology services like cybersecurity, data insights, and consulting increasingly contributing to revenue beyond traditional payment processing. He highlights compelling innovations from Asia Pacific leading the way, including Singapore's nationwide open loop transit system and MasterCard's approach to stable coins as settlement vehicles alongside traditional currencies, while emphasizing how the company bridges the DeFi universe with the physical merchant world through on-ramp and off-ramp solutions for crypto adoption in markets like Latin America. Closing the conversation, Ling Hai shares what great looks like for MasterCard to become the operating system of commerce and the digital economy.“MasterCard, in the end, is a global technology company. We run a global network, and we’re very much a data company. So, in all of this, when we handle people’s money and when we handle people’s data, trust is the most important thing. If we lose that, we lose our business. For us, that trust factor is absolutely critical — it’s embedded in everything we do.As the world evolves, we’ve gone from handling payments in the physical world, to e-commerce in the digital world. Tomorrow, with AI, it’s going to be agentic — agents will be doing commerce for us. But the common thread across all of this is still safety, security, trust, and also ease of use.Today’s consumer doesn’t want to trade off between convenience and security — they want both. So when we think about our solutions and services, that’s part of our design thinking. We must ensure they are easy, convenient, safe, secure, and trusted by everyone.” - Ling HaiEpisode Highlights:[00:00] Quote of the Day by Ling Hai[01:00] Introduction: Ling Hai[03:00] Overview of Mastercard and balancing global consistency with localization[06:00] MasterCard's vision: inclusive digital economy for everyone[09:13] Open loop transit leading digital payment adoption[11:14] Asia Pacific: most advanced multi-payment region globally[14:03] MasterCard is a global technology company focused on trust.[16:00] Stable coins create more use cases for MasterCard[20:38] Two universes: DeFi and traditional finance will coexist[21:07] Payment secret sauce: resolving disputes when things fail[24:00] Stable coins stronger for B2B, wholesale settlement use[25:38] Be at the table or you're on table[29:00] AI enables personalization beyond one-size-fits-all marketing[31:24] Agent commerce requires new rules and payment standards[32:23] Tokenization and authentication: no regret moves for future[34:16] MasterCard network supports real-time payments beyond cards[35:00] What does great look like:: Operating system of commerce and digital economy[36:00] ClosingProfile: Ling Hai, President of Asia Pacific, Europe, Middle East, and Africa, MastercardLinkedIn: https://www.linkedin.com/in/ling-hai-a7952ab8/Podcast Information: Bernard Leong hosts and produces the show. The proper credits for the intro and end music are "Energetic Sports Drive." G. Thomas Craig mixed and edited the episode in both video and audio format. Here are the links to watch or listen to our podcast:Analyse Asia Main Site: https://analyse.asiaAnalyse Asia Spotify: https://open.spotify.com/show/1kkRwzRZa4JCICr2vm0vGl Analyse Asia Apple Podcasts: https://podcasts.apple.com/us/podcast/analyse-asia-with-bernard-leong/id914868245