Entrepreneur & active angel investor with a passion for disruptive technologies, Makoto has 10+ years’ experience in engineering and product innovation, overlapped by 16 years in business development and 13 years in consultancy. Makoto is actively investing in SouthEast Asian startups and is running a venture-backed embedded finance company focused on the Vietnam market called Credify, currently assisting local banks and consumer finance companies in their complex digital transformation journeys. Makoto is a polyglot with mastery of several Asian languages and enjoys diverse subjects, including Finance, Economics, Philosophy and History.