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Learn more about KogoPAY

KogoPAY is a socially conscious fintech start-up in London with other offices in Bangkok and Vilnius. We provide virtual IBANs account in GBP and EUR and mobile wallet in different currencies. The initial KogoPay wallet and account are already functional for fiat-to-fiat transactions. As digital currencies become more common, the wallet will also include crypto-to-fiat and fiat-to-crypto payments and later when possible CBDCs in the future.

KogoPAY is not just a payment platform. Our dream is to create an ecosystem that benefits the whole of society. Our mission is to make it easy for people to transfer money globally. KogoPAY enables anyone to send money quickly to friends and family, make easy business transactions and helps charities receive donations with minimal costs.

KogoPAY reduces stress by allowing fast, easy and affordable money payments. We also encourage our KogoPAY family members to give back to society via our ‘Pay it Forward’ initiative. This enables KogoPAY customers to pay for a drink, food or other gift anywhere that they use our app.

As mentioned by Dr. Narisa Chauvidul-Aw, “when I first started developing the idea for an easier, friendlier payments system, I knew from the get-go that KogoPAY should be inclusive and philanthropic. Fintechs are rewriting the story of payments and banking in so many ways. KogoPAY’s unique role in the Fintech story is to facilitate payments and simple money management for everyone. We’re about universal access to payment services, both nationally and internationally, about sending money home, running a small business and keeping control of your finances.”

According to data released by the World Bank 1.7 billions adults worldwide still don’t have access to a bank account. The ‘unbanked’ can be on a low income but can also be those who move between countries as migrant workers or have a poor credit history. The inability to obtain a bank account creates more problems and exposes people to debt and risky transactions. Sadly, these individuals are those most in need of secure money transfers – often they are sending money home to feed their families!

For this reason, we wanted KogoPAY to be more than a conventional business turning a profit. Our success must be inclusive, and we must help people along the way.

Financial Inclusion

Purpose and Commitment

KogoPAY Group is dedicated to advancing financial inclusion, ensuring that individuals and communities have equal access to financial services. We recognise that financial inclusion is a cornerstone of sustainable development and poverty reduction, in line with UN SDG 1 (No Poverty) and SDG 8 (Decent Work and Economic Growth).

Accessible Financial Services

  1. Affordable Services (SDG 10): We will provide affordable financial products and services, particularly to underserved and marginalised populations.
  2. Digital Financial Inclusion (SDG 9): We will leverage technology to expand access to financial services in remote and underserved areas.

Social Responsibility Policy

  1. Gender Equality (SDG 5): We are committed to promoting gender equality by ensuring equal access to financial services for all genders.
  2. Reducing Inequalities (SDG 10): We aim to reduce economic disparities by providing opportunities for economic growth to vulnerable communities.


Sustainability Policy

Purpose and Commitment

KogoPAY Group is committed to contributing to a sustainable future by aligning our business operations with the United Nations Sustainable Development Goals (SDGs). We recognise our responsibility to minimise our environmental impact, foster social responsibility, and promote economic well-being for all stakeholders.

Environmental Responsibility

  1. Climate Action (SDG 13): We pledge to reduce our carbon footprint by implementing energy-efficient practices, using renewable energy sources, and promoting responsible resource management.
  2. Responsible Consumption and Production (SDG 12): We strive to reduce waste, promote recycling, and support sustainable sourcing in our operations. Additionally, we actively seek partnerships with organisations whose projects are dedicated to sustainability, furthering our commitment to environmental responsibility.

Race and Diversity Policy

Purpose and Commitment

KogoPAY Group is committed to fostering an inclusive and diverse workplace where individuals from all racial and ethnic backgrounds are respected and provided equal opportunities. We align with UN SDG 10 (Reduced Inequalities) and SDG 16 (Peace, Justice, and Strong Institutions).

Equal Opportunity Employment

  1. Non-Discrimination (SDG 10): We do not tolerate discrimination based on race, ethnicity, or any other characteristic.
  2. Equal Hiring Practices (SDG 5): Our recruitment and promotion processes are merit-based, ensuring equal opportunities for all employees.

Inclusive Culture

  1. Diverse Leadership (SDG 16): We strive for diverse representation at all levels of our organisation, including leadership positions.
  2. Education and Training (SDG 4): We provide diversity and inclusion training to promote understanding and respect among our employees.

Reporting and Accountability

  1. Transparency (SDG 16): We encourage employees to report any concerns related to race and diversity, and we will address them promptly.

These policies reflect our commitment to sustainability, financial inclusion, and race and diversity, in line with the UN SDGs. We will regularly review and update these policies to ensure they remain aligned with our values and goals.

Kogo Group of Companies

KogoPAY Team


Dr. Narisa Chauvidul-Aw

CEO & Founder

Tuan Jin Aw
Chief Financial Officer
Jenny Chong
Head of Innovation and AI
Simon Hughes
Chief Technology Officer
Simon Hughes
Chief Technology Officer



Tipsuda Thavaramara

Former Deputy Secretary-General of Thailand’s Securities and Exchange Commission, in charge of the policy and corporate finance groups.

Sukrit Surabotsopon

Former President of IRPC PCL and former Executive Director of PTT Global Chemical PCL.  

Dr. Supachai Sukhanindr

Chairman of the Company Advisory Board of Sub Sri Thai Public Company Limited
Board of Thai Credit Bank

Nam Cholvanich

Nam is a partner of BlackPearl Capital with many years experience in M&A and Capital Investment.

Thanawat Taro Lertwattanarak

CEO of J Ventures Co., Ltd. Over 20 years experiences in running IT companies, blockchain and fintech companies.

Suphakit Vuntanadit

Former Group Chief Commercial Officer, True Corp PCL

Thawatchai Aranyik

Former Governor of Tourism Authority of Thailand



Richard Black

Senior Financial Controller

Nathasa Intawong

Assistant Manager – Transactions Reconciliation Thailand / Group Compliance Associate



Peter Halloway Churchill

Global Compliance Advisor

Monika Kumponienė

Country Manager

Arunas Mickus
Senior Compliance Officer

Linas Cinga

AML Officer


Sales & Marketing

Business Development Manager

Kadsuda Priyanu

Sales and Customer Service Manager – Thai and Asian Market

Nat Ketudom
Marketing & Customer Support


PR & Communications

Melanie Faldo

PR Consultant


IT Department

Simon Hughes

Chief Technology Officer

Sudkit Fe

IT Manager
Adnan Chowdury
DevOps Engineer
Max Mellor
DevOps Engineer



Mary Pelling
CEO’s PA & Admin. Manager (UK)
Monpreeya Chauvidul
CEO’s PA & Office Manager (Thailand)
Simon Hughes
Chief Technology Officer


Student Interns

Daniel Aw

University of Nottingham

Gideon Aw
Harrow School London (UK)
Simon Hughes
Chief Technology Officer