This document provides biographical information about Emil Chan, including his work experience at iMusicTech and iProA, education including an MBA from Hong Kong University, and professional affiliations. Contact information is also listed, including social media and email addresses. The document also discusses the history and development of digital payment methods in Hong Kong from 1980 to 2016, including Octopus card, eBill, eCheck, and AliPay integration. In 2016, JETCO announced a partnership with 12 banks to offer a P2P mobile payment service called JETCO Pay allowing bank customers to transfer funds via mobile number.