Research & Advisory
Hong Kong, China


Zao is a proponent of technology-led innovation in new retail propositions and business models, with a focus on the insurance industry. His interests and expertise range from artificial Intelligence and data science to cryptocurrencies, insurtech, and fintech.

Prior to joining Celent, Zao was a consultant at Oliver Wyman, with a focus on retail distribution and analytics. Some of his engagements included advising a retailer on digital transformation, using machine learning to drive decision-making and forecasting for a Chinese e-commerce player, constructing analytical tools for an Australian telecom player to set sales targets ,and identifying greenfield retail opportunities for an Asian airline, with a focus on customer engagement.

Elsewhere, Zao was engaged in post-merger integration, operational process redesign, and organisational optimisation, as well as commercial due diligence, benchmarking, trend identification, and market landscaping.

Zao holds a Master’s degree in Computer Science and Technology from Tsinghua University and a Bachelor’s degree from Imperial College London in Mathematics with Statistics for Finance. He is bilingual and speaks native-level Mandarin Chinese and English.

Latest insights

  • 17 January 2019
    Many leaders in financial services wonder what might happen if the tech giants were to enter their industry tomorrow. There is a place where this…
  • 10 January 2019
    The Chinese retail market is increasingly powered by AI, driven by data and enabled by omnichannel touchpoints — as exemplified by the “New Retai…
  • 19 December 2018
    It was an unsurprisingly sizzling day in Singapore, but a surprisingly fiery debate was going on. Most of those sitting seemed convinced that the…
  • 18 November 2018
    Many senior leaders across financial services firms have asked what would happen if a tech giant like Amazon were to enter their industry tomorro…
View all insights

Related events

View all events