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Banking on Air is a leading financial technology podcast, welcoming innovators from across the globe to join in lively and productive discussions.  

With more than 30 podcasts to boot, the platform looks under the hood at the changing face of technology, digital banking, payments and more.

Our special guest

Deniz Güven

CEO, Mox Bank Limited

Deniz is an internationally recognised leader in driving digital transformations and bringing new digital banking experiences to audiences globally.


Marcel Klimo
Fintech Evangelist

Discusses and explores the changing face of technology in the ever evolving fintech industry. He also acts as a solution architect and growth engineer.

Mox by Standard Chartered continues to enjoy unparalleled success in Hong Kong

Mox has extraordinary success as an online bank. Led by CEO Deniz Güven, the smart phone app has taken Hong Kong by storm, snatching up more than 100,000 customers within its first year. It’s rare for a fintech to do so well. And especially so for a legacy bank to create it. At long last, banking giant Standard Chartered has proved that the godfathers of finance really can beat the tech companies at their own game. 

So how did Mox do it? What secret formula did they follow, that the scores of other banks before them couldn’t? To uncover what exactly Mox did differently, leading app-builder Vacuumlabs is quizzing the pioneer, leaving no stone unturned.

Curious to learn more?
Listen to our Banking on Air podcast episode:

How dragons transform into unicorns

If dragons could create successful unicorns, the rewards would be immense! What is the story behind Mox by Standard Chartered?

Two years ago, I told my people here, “Guys, can we onboard the customers in 3 minutes 47 seconds?” So that was the KPI. This number has been there since day one. What happened? One of our customers onboarded himself in 2 minutes 47 seconds!

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Deniz Güven, CEO of Mox bank limited

7 characteristics for a successful digital banking partnership in 2021

To build successful all-in-one apps like Mox, it’s critical to find the right digital partner. Read about seven essential characteristics banks should look for in 2021 partnerships.

If it works for Standard Chartered,
it might work for you

When Standard Chartered begun working on their virtual bank Mox.com in Hong Kong, they knew that the only way to innovate was to rethink the process and launch a new operating model. They decided to partner with digital partners like Vacuumlabs to bring their vision to life.

Mox operates in a whole new way by listening to customers and focusing on heart share. We aim to empower Hong Kong customers to grow and unlock more possibilities by providing a truly digital and personalised banking experience,” said Deniz Güven, CEO of Mox.

The second way, of course, is to find suitable partners like you in Vacuumlabs and accelerate the delivery. Thanks to you, I think we found a lot of talented engineers. Sometimes remotely, sometimes we were lucky at that time. I miss all those times so that you guys could come here and we worked together in the same office. It was a really, really, good experience for all of us. Thanks to you guys, we accelerated to delivery. I think in 18 months we delivered the bank.

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Deniz Güven, CEO of Mox bank limited

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About the authors

About Vacuumlabs

Vacuumlabs is a global technology partner with a proven track record in delivering full-stack fintech solutions. It provides teams of agile, remote by nature, software engineers, and designers with years of experience building fintech, cryptocurrency solutions, and launching digital products.

From our seven offices, we support our clients in their product development needs. Since 2012, our team of engineers has grown to 250, and today we count over 60 clients, from Singapore to San Francisco.

About Mox

Mox is a new virtual bank in Hong Kong backed by Standard Chartered, in partnership with HKT, PCCW and Trip.com. We are the combined power of a well-trusted international banking group, the city’s telecom and lifestyle leader as well as Asia’s largest online travel agency. Mox delivers a suite of retail banking services as well as lifestyle benefits all in one place, growing your money, your world and your possibilities.

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