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Paul combines 27 years of banking experience with the latest in-depth research into today's new technological innovations, helping us to understand the future of financial services.

Following a 27-year career in equity research covering the Asian and emerging markets, as well as 5 years of government policy experience Paul Schulte is the founder and editor of Schulte Research, a company conduct research on banks, financial technology, bank algorithms and credit algorithms. He focuses on research on the internet of things in China as well as InsurTech in China. His clients include some of the largest hedge funds globally. He works with several banks and insurance companies in Asia as well as two of the sovereign wealth funds. He is an advisor to IOSCO, the HKMA, the Malaysian SFC as well as the Thai SEC. He recently conducted a one-week seminar for 55 Asian regulators on financial technology through the Asian Development Bank.

He had a career working for China Construction Bank International as Global Head of Financial Strategy and Asia Banks Research, with Nomura International as Managing Director and Head of Multi-Strategy and Asia-Pacific Banks Research, and held senior roles at Lehman Brothers, Big Sky Capital, ING Baring Securities and CS First Boston in Hong Kong. He has also served as an Economic Policy Advisor to Indonesia's central bank (Bank Indonesia) and before that as an Analyst with the National Security Council at the White House in Washington, DC.

He is the author of "The Next Revolution in our Credit-Driven Economy: The Advent of Financial Technology". His upcoming book is "Cryptocurrency, FinTech, InsurTech and Regulation", in conjunction with Singapore University of Social Sciences (SUSS). Paul frequently blogs and writes for international publications, and is regularly interviewed by Thomson Reuters, Bloomberg, and others. Paul launched the Schulte Institute for Financial Innovation, in August 2016, an invitation-only group of C-suite executives from private equity, hedge funds, securities houses and banks, who will come together and challenge their current thinking on technology, expand their technical expertise and create practical solutions, and to network. He is a Senior Fellow at Tufts University, HKUST and at the Singapore University of Social Science (SUSS) in Singapore.

One of his greatest achievements was being in the top-five positions in Euromoney, Asiamoney and Institutional Investor, and receiving top rankings in All-Asia Banks Team, Asia Equity Strategy Team and Asia Economics Team in the Institutional Investor's 2010 poll.

On top of his research publishing career, Paul has 15 years of experience in teaching graduate students in several programs. He was an adjunct lecturer at the Conrad Hilton School of Business at Loyola Marymount University in Los Angeles from 2000 to 2006. From 2008 to the present, he has been teaching in various graduate programs at the University of Science and Technology in Hong Kong. These include the M.Sc., Executive MBA, as well as joint venture MBA programs with the Northwestern Kellogg School and the NYU Stern School. He also taught a seminar at the UCLA Anderson School. Most recently, he was chosen to be a Senior Fellow at the Fletcher School of Law and Diplomacy at Tufts University, a joint venture program with the Harvard Business School.

Sample presentation topics
  • The future of financials services in China and emerging markets.
  • New technologies which are transforming banking and insurance; comparing the West and China.
  • How AI and Blockchain are transforming financial services.
  • China's role in the big Fintech / AI "Big Bang", and how this will dominate Asia.
  • How entertainment, health and lifestyle choices are the new banking services.

Paul is based in Hong Kong. He graduated summa cum laude from The Catholic University of America in Washington, DC with a B.A. in Philosophy and a Master of Arts in Political Economy, as well as a Master of Arts in International Finance in Fletcher School of Law and Diplomacy.

"On behalf of the Finovate team we'd like to thank you so much for speaking at Finovate Asia … You not only brought knowledge but an energy and enthusiasm to the event that kept it buzzing!"
Erika Sanchez, Director of Events, Knect365, Informa Group

"Paul thinks about financials from a truly global perspective. He understands how technology shifts are challenging these institutions"
David Halpert, Founder and CIO, Prince Street Capital

"Paul is very engaging and full of energy. He can engage each and every participant, even in large groups"
Kar Yan Tam, Dean, HKUST Business School

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