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From the spark of an internal idea to the frontlines of fintech infrastructure, this episode of In the Grill features the incredible journey of Kelvin Tan, CEO of Audax, a next-gen digital banking platform built from the ground up. Kelvin was our second-ever guest, and he returns with a gripping, transparent story about how one employee’s vision evolved into a multi-country Banking-as-a-Service (BaaS) platform — and ultimately spun out into Audax, a high-impact fintech transforming digital infrastructure across Asia. Chapters You’ll Love 00:00 Episode Trailer/ Highlights 01:20 Introducing Kelvin Tan and the new format 03:39 Part 1 – Start of the BaaS Idea 05:19 Getting leadership buy-in to get BaaS started 08:50 The 5 Slides that launched the journey 09:39 Day 1 and the first 6-month push 10:50 First major tech review of the platform 13:26 Challenges in the early days 14:29 Early partnerships 15:56 Why Indonesia, Vietnam, and Thailand were ideal markets 18:05 The AUDAX spin-off 20:03 Different approaches to innovation 20:46 Does the original label come with challenges? 23:12 Audax becomes independent 24:00 Day 1 of Audax and a reality check 26:41 Challenges of being a B2B fintech 28:27 Batman vs. Bane phase of Audax 30:51 If you could do one thing differently This conversation dives deep into: How Kelvin came up with the BaaS idea back in 2017, long before the term became mainstream The exact five slides that got leadership buy-in for his vision What it was like to leave a safe job and build something from scratch inside a legacy environment The technical and organizational hurdles of launching a platform from zero Why Southeast Asia (Indonesia, Vietnam, Thailand) was the perfect launchpad The emotional and operational shift from intrapreneur to entrepreneur How Audax is tackling the slow-moving B2B fintech sales cycle head-on Why solving the ROE problem is the holy grail for infrastructure providers And what Kelvin would (or wouldn’t) do differently if he could go back Whether you're a startup founder, product builder, or aspiring entrepreneur, this episode is a masterclass in vision, execution, and resilience. 🎙️ This is Part 1 of a 4-part special with Kelvin. Each chapter unpacks a new lens of the Audax journey — from product to partnerships, digital transformation to investor mindsets, and more. Fintech, Startup journey, Product innovation, Digital transformation, Entrepreneurship, Founder’s story, Business growth, Tech startup, Infrastructure platform, Southeast Asia startup, Scale-up, Vision to execution How to build a fintech startup from scratch, Lessons from growing a digital platform in Southeast Asia, Startup growth challenges in emerging markets, From idea to multi-country execution, What it takes to launch a tech startup in SEA, Real stories from Southeast Asia’s startup ecosystem, How intrapreneurs can become entrepreneurs, How to get leadership buy-in for a startup idea, Overcoming B2B startup sales hurdles, Launching digital infrastructure in Asia Southeast Asia tech, Indonesia startup, Vietnam fintech, Thailand digital innovation, SEA entrepreneurs, ASEAN startup ecosystem, Emerging markets growth, SEA product strategy #SoutheastAsiaTech #SEAFounders #IndoTech #VietnamStartups #ThailandInnovation #ASEANGrowth #StartupAsia #FintechSEA #DigitalSEA #TechInAsia #VisionToReality #Intrapreneurship #B2BTech #AudaxJourney #inthegrill Video ini membahas tentang pentingnya *corporate innovation* dan *strategi bisnis* di era *digital transformation**, terutama dalam sektor **fintech**. Pembahasan mencakup bagaimana perusahaan dapat menerapkan **inovasi bisnis* dan *business strategy* yang efektif. Pelajari lebih lanjut tentang *finance* dan perkembangan terkini di dunia korporat.