About the Firm
Built at the Intersection of Finance and Technology
H&B International Limited is a Hong Kong-based advisory firm with a singular focus: helping financial institutions navigate the complexities of fintech and regtech with precision, confidence, and commercial clarity.
Our Story
Founded on Expertise. Driven by Outcomes.
H&B International was established in Hong Kong by practitioners who had spent careers inside financial institutions — not just advising them. That distinction matters. We understand the internal pressures, the regulatory constraints, and the operational realities that shape every strategic decision.
From our base in Hong Kong, we serve banks, asset managers, insurers, and regulated entities across the Asia-Pacific region. Our work spans the full advisory lifecycle — from initial strategy through to implementation and post-deployment review.
We remain deliberately boutique. Our clients benefit from direct access to senior expertise on every engagement, without the overhead of large consulting structures.
What We Stand For
Principles That Guide Every Engagement
Intellectual Rigour
We do not offer off-the-shelf solutions. Every engagement begins with a thorough analysis of the client's specific context, constraints, and objectives.
Commercial Pragmatism
Strategy must be executable. We design recommendations that are grounded in operational reality and calibrated to deliver measurable commercial outcomes.
Regulatory Fluency
Our team maintains deep, current knowledge of the regulatory frameworks governing financial services across Hong Kong, Singapore, and broader APAC markets.
Client Confidentiality
The trust of our clients is our most valuable asset. We maintain absolute discretion on all engagements and never disclose client relationships without explicit consent.
Leadership
Senior Expertise on Every Engagement
Our leadership team brings decades of combined experience across financial services, regulatory affairs, and technology implementation.
Billy Ho - CEO & Managing Director
Strategy & Client Advisory
Leads the firm's strategic advisory practice with extensive experience advising financial institutions on fintech adoption and regulatory strategy across APAC.
Eva Koh - Director, Regtech
Regulatory Technology & Compliance
Specialises in regulatory technology integration and compliance framework design, with a background spanning Hong Kong, Singapore, and London financial markets.
Ryan Wilson - Director, Digital Transformation
Technology & Implementation
Leads digital transformation engagements, bringing deep expertise in legacy modernisation, cloud adoption, and large-scale programme delivery for regulated entities.