Pakaporn Thongyai NA Ayuttaya
Pakaporn Thongyai NA Ayuttaya
Co Founder, CFO & COO
Flex Credit Card
Biography
I’m a CPA and fintech entrepreneur with over 15 years of experience across audit, banking, and digital transformation. I began my career at PwC, spending nearly a decade auditing and advising financial institutions. After completing my MBA at Imperial College London, I moved into senior roles at tier-1 banks in Thailand, leading large-scale digital strategy initiatives. I was part of the leadership team behind SCB Easy - Thailand’s first super banking app - and led branchless banking redesigns and retail investment platform launches. I later headed the CEO Office at one of the largest securities brokerage firms in Thailand and Southeast Asia.
Today, I’m Co-Founder of FLEX UK, a digital credit card operating under the FCA Sandbox. We are introducing a transparent interest model designed to improve fairness and reduce the risk of debt spirals. I’ve been building full-time as an entrepreneur for nearly two years.