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.

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