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David R. Hardoon

Financial services

Banking, insurance, fintech, and the use of data and AI in finance.

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Writing

LinkedIn · 10 November 2026

80% of firms say they use AI agents.
LinkedIn · October 2026

A while ago we built an ATM cash-delivery optimizer. In the sandbox it was beautiful: fewer trips, no cash-outs, clear efficiency gains.
LinkedIn · October 2026

I'm delighted to be a panellist for the Cambridge Centre for Alternative Finance, Cambridge Judge Business School's AI in Financial Services for Public Authorities online course this season.
Podcast · 13 January 2022

Podcast on Trustworthy AI
Podcast · 4 October 2021

Podcast on 'Algorithmic Decisions & the Financial Industry'
Essay · 23 August 2021

Estimating The Value of Data
Essay · 30 October 2020

A Digital Opportunity to Transform Financial Reporting
Essay · 13 October 2020

Digital Currencies: The Time is Now
Essay · 17 August 2020

Is Digital Identity Solved?
Essay · 19 June 2020

Oversight AI: AI to Control AI
Essay · 26 May 2020

Consumer Protection: Toward a Smart Disclosure Regime?
Essay · 19 May 2020

Balancing Data Policies: What COVID-19 Taught Us
Essay · 16 May 2020

AI Supervision - A 101 Guideline
Podcast · 8 May 2020

[Podcast] FRT Episode 66: COVID-19 and Data Policy
Essay · 7 March 2020

The real value of using Machine Learning in Financial Markets
Essay · 29 February 2020

Regulating Digital Technology
Essay · 12 February 2020

The Impact of Telematics Data on Motor Insurance
Essay · 9 February 2020

The Real Minority Report
Talk · 6 February 2020

Welcome Remarks for Address by Under Secretary McIntosh
Essay · 18 January 2020

Asymmetry of Open Banking
Essay · 13 January 2020

The Analogue Choice in the Digital Age

Research

Paper · 2025

Secure and Explainable Fraud Detection in Finance via Hierarchical Multi-source Dataset Distillation
Paper · 2022

Anti-discrimination Laws, AI, and Gender Bias: A Case Study in Non-mortgage Fintech Lending
Paper · 2022

Evaluating digital retail investment as a tool to improve financial well-being in the Philippines
Paper · 2021

The Effect of Fast Loans on Financial resilience-building Behaviors and Mental Well-being
Paper · 2021

The Socio-Psychology of Phishing Victims: How to save them from themselves
Paper · 2020

Regulatory Approaches to Consumer Protection in the Financial Sector and Beyond: Toward a Smart Disclosure Regime?

Speaking

Talk · October 2026

AI in Financial Services for Public Authorities
Talk · 5 September 2026

Guest session, Day 1 of CFTE’s inaugural AI Chief of Staff Programme (Singapore)
Talk · 14 November 2025

Panel: AI on Trial - What AI Will Banks Pay For? Separating Enterprise-Grade Value from a GPT Wrapper
Then: Global Head of AI Enablement, Standard Chartered
Talk · 14 August 2025

Charting a Future for Responsible AI in Finance
Talk · 5 November 2024

Unlocking cross-border data flows: Navigating data localisation requirements in the financial sector
Then: CEO, Aboitiz Data Innovation
Talk · 26 May 2023

AI Summit PH 2023 — remarks and digital-bank panel moderator
Talk · 2 November 2021

5x5x5: The Fintech Brain Power
Talk · 4 October 2021

AI Asia Pacific Institute: operationalising ethics of AI
Talk · 24 September 2021

Panel: Artificial Intelligence (AI) in Finance
Then: Senior Advisor, UnionBank
Talk · 5 August 2021

FRT Episode 104: Ethical Handling of Customer Data
Then: UnionBank of the Philippines
Talk · August 2021

Applying Artificial Intelligence (AI) in RegTech
Talk · 7 April 2021

Tracking Illicit Trade and Finance through Advanced Software Data Analytics
Talk · 8 December 2020

Digital Dilemmas: CBDCs, stablecoins and the future face of money
Talk · 8 December 2020

Singapore FinTech Festival: Planet of the APIs
Then: Senior Advisor for Data and AI, UnionBank
Talk · 6 October 2020

Putting the pieces together to enable efficiency
Talk · October 2020

Wavelength Podcast Ep. 218: David Hardoon on AI's Unforeseen Challenges
Talk · 9 August 2020

SGInnovate: speaking with Dr Shonali Krishnaswamy and Prof Manuel Morales
Talk · 7 August 2020

Fintech Fireside Asia: Artificial Intelligence in Financial Services
Talk · 8 July 2020

SEACEN: AI and the Shifting Mindset of Central Banking and Supervision
Talk · 8 July 2020

Microsoft ReEnvision Financial Services
Talk · 1 July 2020

V-vent with the Trans-Tasman Business Circle
Talk · June 2020

Disrupting Finance with Data Science and AI
Talk · 9 November 2019

HSBC Financial Institutions Conference Singapore 2019
Talk · 4 November 2019

The Asia House Global Trade Dialogue 2019: Disruptive Innovation in Finance
Talk · 3 November 2019

Channel News Asia: AI in the Financial Sector
Talk · 4 July 2019

Mediacorp: Overseas Singaporeans in Finance
Talk · 2 November 2018

CNBC: Banks Revamp Financial Services With Technology to Win Customers
Talk · 8 June 2018

Innovfest Unbound 2018: Data Governance: The New Digital Stewards
Talk · 4 June 2018

What should customers consider before using robo-advisories?
Talk · 1 April 2018

Bloomberg Markets

Videos and podcasts

Podcast · 21 July 2026

Why 95% of AI projects fail: Accenture's David Hardoon on people over technology
Podcast · 7 July 2026

Trust, Verify, Repeat: The Future of AI Governance with David Hardoon
Video · 4 February 2026

What Happens When Every Banker Has AI?
Podcast · 6 January 2026

Podcast Ep.26 — Story of relentless curiosity, thoughtful leadership and a vision for technology that truly makes a difference with David Hardoon
Then: Global Head of AI Enablement, Standard Chartered
Video · 22 July 2025

Enabling AI at Scale: Governance as Competitive Advantage with David Hardoon
Video · 1 March 2024

Unleashing Creativity: Donald McDonald's Vision for AI in Banking
Video · 25 January 2024

Regulating AI Innovation
Then: CEO, Aboitiz Data Innovation
Video · 24 November 2023

Advocacy for Self-Regulation and Ethical AI Practices | Dr. David R Hardoon | TBCY
Video · 1 September 2023

Interview with the Data Chief - David Hardoon
Then: Group Chief Data and AI Officer, UnionBank
Video · 18 February 2021

Planet Of The APIs | SFF 2020
Video · 22 December 2020

Fintech Week at The Working Capitol - Digital Dilemmas: CBDCs, stablecoins and the future face of money
Video · 26 August 2020

Explainable AI in Finance
Video · 17 August 2020

Artificial Intelligence in Financial Services: Realities Behind the Hype
Video · 11 January 2020

AI in the Financial Sector
Video · 11 November 2019

Panel discussion: Disruptive Innovation in Finance
Video · 21 August 2018

Banks revamp financial services with technology to win customers
Video · 11 April 2018

How AI, Data Analytics Will Fundamentally Transform Financial Industry
Video · 7 December 2017

Fireside Chat: Mapping the Future of Data Analytics

News

News · 30 June 2026

David Hardoon joins Accenture as Managing Director and Head of Advanced AI, Southeast Asia
News · 15 June 2026

Top banks rush to fill chief AI roles as talent jumps to rivals
Then: Global Head of AI Enablement, Standard Chartered
News · 22 May 2026

CFTE appoints Dr David R. Hardoon as Senior Advisor
News · 13 April 2026

Love the Virus: Anthropic's Mythos Forces Cybersecurity's Biological Turn
Interview · 23 October 2025

It's Time to Make AI Boring Again
Then: Global Head of AI Enablement, Standard Chartered
Interview · 6 August 2025

AI governance and risk, from Standard Chartered’s AI lead
Then: Global Head of AI Enablement, Standard Chartered
Interview · 7 April 2025

Strong AI policies, investment to speed up Philippines’ AI adoption — expert
Then: Global Head of AI Enablement, Standard Chartered
News · 7 April 2025

Standard Chartered appoints David Hardoon as Global Head of AI Enablement
Then: Global Head of AI Enablement, Standard Chartered
News · 20 July 2024

Can AI save us from the losing war with scammers? Perhaps
News · 26 May 2023

Who’s afraid of AI?
Interview · 27 March 2020

MAS’ Hardoon: “Doing AI for the sake of AI doesn't make much sense”
News · 25 January 2020

The Asymmetry of Open Banking
News · 13 November 2019

MAS Partners Financial Industry to Create Framework for Responsible Use of AI
News · 19 July 2019

MAS chief data officer David Hardoon moves to newly-created role of special advisor for AI
News · 15 May 2019

David Hardoon of MAS Examines Fintech as Solution for Risk Management
News · 14 May 2019

Will Fintech and digital innovations provide an ultimate solution for risk management?
News · 12 November 2018

MAS introduces new FEAT Principles to promote responsible use of AI and data analytics
News · 18 July 2018

Singapore goes AI: training, incentives and regulation
News · 17 May 2018

MAS introduces revised reporting standards for banks to reduce duplicate data submissions
News · 7 May 2018

"Strengthening the AI ecosystem in Singapore's financial sector
News · 2 April 2018

MAS and financial industry to develop guidance on responsible use of data analytics
News · 14 March 2018

MAS Moves Towards Zero Duplication of Data Request to Financial Institutions
News · 15 November 2017

New S$27 million grant to promote Artificial Intelligence and Data Analytics in Financial Sector
News · 26 May 2017

Data Science and Machine Learning in Practice
News · 14 February 2017

MAS Sets up Data Analytics Group
News · 23 July 2015

Pre-Emptive Audit; Analytical Investigation

Handbook and books

Chapter · 2016

Business Forecasting: Practical Problems and Solutions
Book · 2013

Getting Started with Business Analytics: Insightful Decision-Making