Enabling
Integrated Payment Experiences

At DCS Innov, we aim to enable integrated payment experiences that are swift, seamless and secure. Through strategic partnerships, we will harness expertise and technology within the global ecosystem to create quick-to-market payment solutions for fintechs and businesses to accelerate growth.

Our Innovators

We leverage our diverse expertise in the cards and payments sector to inspire impact at DCS Innov

Ceridwen Choo
CEO
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Rachel Ong
Product Marketing Lead
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Nicole Huang
Product & Business Development Lead
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Chen Xiang
Product & Business Development Lead
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Powering the Next Payment Frontiers

DCS Innov emerged from the vision of DCS Card Centre to spearhead payment innovation within Singapore and the region.

Innov benefits from several operational strengths of DCS Card Centre as an established financial institution that is regulated under the Banking Act. These include its regulatory licenses, cards and payments infrastructure, as well as risk and compliance processes. All of which can now be harnessed within a single stop shop at Innov.

Latest News

Episode Six and DCS Card Centre partner to launch Credit Cards-as-a-Service for fintechs
DCS establishes dedicated business enterprise, DCS Innov to drive payments transformation
DCS Card Centre names new head of unit to drive digital innovation

Ceridwen Choo

CEO

Ceridwen is a seasoned veteran in the cards and payments industry, boasting nearly two decades of invaluable experience in the corporate realm. Recruited as part of the new leadership team at DCS Card Centre (DCS) to lead payment innovation and its entire rebranding, Ceridwen now provides the strategic direction for DCS Innov as CEO.

As Managing Director of the Payments & Innovation wing, she spearheaded DCS's transformation, introducing features like #cardyourassets, enabling cardholders to increase spend limits with bank transfers and digital assets.

Ceridwen also pioneered DCS Tokens, the first payment token pegged to USD and SGD. Formerly in leadership roles at DBS, HSBC, Mastercard, and part of Railsbank's APAC founding team, she is dedicated to financial literacy and inclusion, evident in her passion for accessible financial solutions.

Rachel Ong

Product Marketing Lead

Rachel is a dynamic force in the Web3 realm, with over a decade of experience driving global initiatives in entrepreneurship and finance. With a specialised focus on blockchain technology for more than 5 years, Rachel brings keen insights and a meticulous approach to her role as the Product Marketing Lead at DCS Innov.

Previously the co-founder of Omnis Crypto in 2017, she demonstrated entrepreneurial prowess by overseeing mining operations and managing trading portfolios, contributing significantly to the company's growth. Rachel's expertise and strategic acumen consistently yield outstanding results in her role at the forefront of Web3 innovation.

Nicole Huang

Product & Business Development Lead

With over 15 years of expertise in cards, banking, retail, and fintech, Nicole Huang is a seasoned product manager known for her success in managing consumer card products at UOB and HSBC, as well as business banking CASA products at StanChart.

Nicole is a strategic thinker, adept at embracing innovation and enhancing customer experiences. Currently leading Cards-as-a-Service (CaaS) at DCS Innov, Nicole drives our embedded finance solutions that enable businesses to scale their customer loyalty initiatives seamlessly.

Chen Xiang

Product & Business Development Lead

Chen Xiang is a versatile banking and payments professional with extensive experience, including a decade-long stint at Citibank followed by a successful transition into the fintech realm through leadership roles at Alipay.

His expertise in management spans across the ambits of project, implementation, product, and business management, demonstrating a knack for navigating fintech complexities. A forward-thinker, he actively stays ahead of industry trends and now leads the innovative efforts at DCS Innov to bridge the gap between Web2 payment systems and the decentralised world of Web3, addressing pressing customer needs amid a fast-changing payments landscape.