Shaping What’s Next in Fintech
Our Innovation Lab is where ambitious ideas take form. We create, test, and grow solutions that challenge the status quo and open new paths in the financial world. It’s our space for exploration, experimentation, and impact.
Why an Innovation Lab?
Innovation needs a home.
In a fast-moving industry like fintech, staying still is not an option. Our Innovation Lab gives us the freedom to step outside of day-to-day operations and focus on what’s next.We use this space to:
- Explore emerging technologies
- Build and validate prototypes
- Reduce risk by testing before scaling
- Generate new value for users and businesses
Our ApproachFrom ideas to real-world solutions
We follow a lean, iterative process to move fast and stay user-focused. Our cross-functional teams collaborate to:
Identify real-world problems worth solving
Design and prototype potential solutions
Test with real users early and often
Iterate based on feedback
Scale what works
By combining creativity, data, and fintech expertise, we turn ideas into tools people actually need.
Our InitiativesInnovation in action
Mate
A macOS app that transforms raw log files into an interactive, real-time dashboard. Free users upload logs in our default format and watch entries render live as new lines appear. Pro subscribers can define custom log formats to fit any tech stack, making debugging and support hand-offs effortless. Backed by our open-source HKLogger library, Mate streamlines both developer workflows and customer support processes.
Vizago Pay
An end-to-end biometric payment solution for physical stores. Customers simply scan a selfie on a tablet to pay—no cards or cash needed—powered by MicroBlink for identity verification and Plexo as the payment gateway. Built in partnership with Sort, Vizago Pay handles biometric onboarding and authentication while Houlak maintains the frontend, delivering a seamless, secure checkout experience in seconds.
Tap2Phone
A turn-key Android POS simulator that lets merchants accept contactless payments directly on their smartphones—no extra hardware required. Perfect for pop-ups, market stalls, and small businesses, Tap2Phone mimics a full POS interface, enabling secure NFC and QR payments. With minimal setup, it provides a flexible, cost-effective checkout solution anywhere your business goes.
