Founder and CEO at Digicro Pte Ltd

Leads the strategic direction and growth of Digicro, pioneering financial inclusion through an innovative mobile app for microloans, buy-now-pay-later services, and a marketplace. Under his leadership, the company's app has achieved over 2 million downloads and 100,000+ registered users.

Globally, around 1 billion people lack access to financial services, and in Cambodia, 40-50% of the population remains unbanked. Many face barriers to borrowing due to the lack of collateral or guarantors, which are typically required in traditional lending processes, making it difficult to engage in economic activities. Digicro addresses this issue by offering instant credit assessment via smartphone data.

Previously co-founded another startup after acquiring valuable experience in Cambodia, spending nearly three years in microfinance and real estate fund management. The professional journey began with a brief tenure at Sumitomo Mitsui Banking Corporation. Early insights into microfinance were developed during an internship at Grameen Bank.

Holds a Master’s degree in Public Administration from Harvard Kennedy School, completed in 2024, and a Bachelor’s degree from Ritsumeikan Asia Pacific University (APU), earned in 2013. During undergraduate studies, broadened international perspectives through an exchange program in the UK.

【Areas of possible accompaniment】
Fintech, field research in Cambodia, etc.

【Contents of Support】
Career support such as internships, mentoring, graduate school abroad, entrepreneurship, etc.

【Web site with details of activities, etc.】
https://speanluy.net/

After graduating from APU in 2011, Rai pursued further studies at the University of Tokyo Graduate School. He began his professional career at SoftBank Corporation in 2014, where he worked in developing innovative new businesses. In 2019, he enrolled at the University of Tokyo in a PhD program.

While at APU, Rai established YouMe Nepal, an NPO dedicated to improving education in his homeland. Driven by a vision to give back to Nepal, he founded YouMe School in 2011. Today, the two YouMe Schools are providing quality education to over 800 students. Planning to establish YouMe Institute of Technology (YouMiT), a tech college in 2028.

With a vision to create an IT industry in Nepal—a landlocked nation that has yet to experience industrialization—Rai founded an IT company in 2020, with offices in both Kathmandu and Tokyo. He is now leading four companies, committed to transforming Nepal’s tech landscape.

【Areas of possible accompaniment】
Education, entrepreneurship, international cooperation

【Contents of Support】
Accept interns at YouMe School.
Local support in Nepal

【Web site with details of activities, etc.】
https://youmenepal.org/
https://tai.com.np/

My name is Yana. Originally I am from Ukraine, but for about 20 years have been living and working in Japan.
I graduated APU at 2008. And thanks to the university, I could not only learn about Japan, but also made lots of friends all over the world. After I graduated APU in 2008, I worked for several years in Yokohama, in a car exporting company. And later my family decided to return to Kyushu again. When we lived in Nagasaki, I started to help to disabled people in different countries and made my own NPO witch is called Beautiful World. After the war begun in Ukraine in 2022 I decided to help several Ukrainian families to evacuate to Japan by using my NPO.
Since Beppu city was the first to agree to help me accept and process refugees in 2022, I moved here from Nagasaki with my family to continue helping refugees adapt to life in Japan on the spot, and also work on other projects in Ukraine.
I am currently working on creating a Ukrainian center in Beppu, and creating a rehabilitation center in Ukraine. I would also like to help with the restoration of homes for people whose homes were destroyed by the bombing during the war.

【Areas of possible accompaniment】
Social issues

【Contents of Support】
I can provide necessary information, guide during the research, propose interesting and working ideas.

【Web site with details of activities, etc.】
www.bwnpo.org