Don’t Just Launch. Scale to Exit.

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The Trap vs. The Playbook

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The “Zero-to-Scale” Framework

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I do not sell theory. I deploy a battle-tested framework used to build the Philippines’ leading embedded finance platform.

1. Structure for Independence We design the legal entity to protect the parent company’s license while allowing the venture to move at startup speed. This includes setting up the right governance to balance “bank grade” security with “fintech” agility.

2. The “Talent Magnet” Strategy Top-tier tech talent will not work for a traditional bank salary structure. I help you structure equity/phantom stock pools and culture that attract the builders you need.

3. Regulatory Alignment (Day 1) We engage regulators early, turning compliance from a blocker into a competitive moat. See my Regulatory Playbook for details.

Proof of Concept: The UBX Story

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Most advisors have read about venture building. I have done it.

The Challenge: Traditional banking was losing ground to agile fintech disruptors. We needed a way to capture the embedded finance market without putting the parent bank’s core systems at risk.

The Execution:

• Founded UBX as a separate entity from UnionBank.
• Aggressively hired non-traditional banking talent.
• Focused entirely on embedded finance (Open Finance) ecosystems.

The Outcomes (Hard Data):

• Scale: Grew from zero to >100B GTV.
• Dominance: Captured 22% Market Share in our niche.
• Sustainability: Delivered 6 consecutive years of revenue growth.
• Validation: Secured strategic investment from SBI Holdings (Japan).

De-Risk Your Execution

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Most innovation initiatives fail not because of bad ideas, but because of a disconnect between strategy and execution. Large consulting firms observe the market; I have shaped it. Compare the standard advisory approach against the Januszczak Operating System.

Ready to Build?

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Stop planning. Start executing. If you are a Board Member or CEO looking to build a venture that actually returns capital, let’s look at your feasibility.