U Myat Min Htin Kyaw serves as the Deputy CEO of AYA Digital Bank, a member of the AYA Bank Executive Committee and Co-Chairperson of Product and Business Development Committee. In this role, he oversees the business operations and development of AYA Bank’s digital products, including the AYA Mobile Banking app and the AYA Pay digital wallet. He also leads the AYA Innovation Labs, the Bank’s software development team, responsible for designing and deploying cutting-edge technology to enhance customer experience.

AYA Digital Bank aims to bring financial inclusion and seamless digital advancement to the people of Myanmar. Through a suite of accessible, secure, and user-friendly digital banking products and services — including small-loans like Buy Now Pay Later — the bank empowers individuals and businesses alike to participate in the formal financial system. By leveraging technology, AYA Digital Bank seeks to bridge the urban-rural divide and drive Myanmar’s transition into a digitally inclusive economy.
Prior to joining AYA Bank, U Myat Min Htin Kyaw worked at a Big Four advisory firm in Singapore, specializing in the valuation of businesses, assets, and intellectual properties across various industries and geographies. After returning to Myanmar, he joined a leading downstream and midstream energy distribution company as Chief Business Officer, where he managed both retail and wholesale operations.

He holds a bachelor’s degree in economics from Pepperdine University in Malibu, California.