Rafiza Ghazali

Rafiza Ghazali serves as the Director of Digital Banking at KAF Investment Bank Berhad, where she is also the CEO Designate for the bank's upcoming Islamic digital banking initiative. Her role involves leading the project team responsible for establishing and operationalizing this digital bank, which aims to enhance financial inclusivity and innovate traditional banking practices.

Professional Background

Before her tenure at KAF Investment Bank, Rafiza held several prominent positions:

• Group CEO of Cradle Fund Sdn Bhd, where she focused on supporting Malaysian startups and fostering collaboration with government ministries.
• Chief Financial Officer at RHB Investment Bank Berhad and Cagamas Berhad.
• Finance Director at Bank Negara Malaysia.
• Head of Islamic Finance, Asia at Thomson Reuters.

Her extensive experience spans over 25 years in finance, strategy, and innovation, making her well-equipped to navigate the complexities of digital banking.

Education

Rafiza holds a BSc in Economics with a focus on Accounting and Finance from The London School of Economics and Political Science (LSE). She also earned a Graduate Diploma in Applied Finance from the Securities Institute of Australia and a Post Graduate Diploma in Strategy and Innovation from Saïd Business School at the University of Oxford. Furthermore, she is a Fellow Member of the Chartered Accountants Australia & New Zealand (CAANZ).

Vision for Digital Banking

Rafiza's strategy for KAF's digital banking initiative emphasizes:

• Redefining financial inclusion through innovative credit assessment models.
• Leveraging partnerships to enhance customer offerings while maintaining a strong banking foundation.
• Fostering an ecosystem that encourages local tech talent to innovate within the digital banking space.

Her leadership aims to create a dynamic, open-platform digital infrastructure that promises efficiency and scalability in banking services. Rafiza's commitment to innovation reflects her belief in the potential of digital banking to transform financial services and improve accessibility for underserved populations.