Michelle Anne Chan is one of the Philippines’ foremost pioneers in Artificial Intelligence, a multi-awarded executive widely recognized as the “Modern Tech Boss of the Philippines.” She has led multimillion-dollar digital transformation initiatives, translating emerging technologies into scalable, trusted solutions for financial services. As Board Director and Country Head, Michelle champions the Philippines’ credit and data modernization agenda. Her landmark achievements include pioneering the first cross-border credit data exchange between the Philippines and Korea and establishing the country’s first SME credit bureau in partnership with the Department of Trade and Industry, expanding credit access for MSMEs. Her expertise spans responsible AI, alternative data, credit information, risk, and fraud prevention across banking and financial services. A sought-after global speaker, Michelle brings to the Money20/20 stage strategic leadership, regulatory insight, and real-world execution, contributing to global conversations on trusted AI and the future of a secure, inclusive, and borderless digital economy.