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Vinayak HV

Senior PartnerSingapore

Coleader of McKinsey Digital and leader of Build by McKinsey in Asia; works closely with local, regional, and global institutions on a broad range of strategic and transformation challenges to capture value

Vinayak coleads McKinsey Digital in Asia and is the leader of Build by McKinsey in Asia. He works closely with leading organizations across the Middle East, India, and Southeast Asia. In his work with global, regional, and local institutions he has helped clients tackle a comprehensive range of challenges including strategy, organizational transformation, sales-productivity enhancement, risk management, and large-scale transformation programs.

With an eye to the disruptive and transformative opportunities created by digital, Vinayak has spent significant time with executives at global and local institutions in Asia evaluating strategic “big bets” and partnership opportunities, and has helped to launch key initiatives that underpin the digital transformation of existing businesses.

Examples of his recent work include the following:

  • designing a comprehensive and ambitious three-year digital transformation program for a leading local company
  • designing the value proposition, customer-tested front-end applications, technology-infrastructure design, organization, and people model for a greenfield attacker
  • developing the strategy and business-model design to build a multicountry digital business in Asia–Pacific for a leading global institution
  • developing a multichannel sales model, enabling sales across all digital channels, powered by a next-product-to-buy analytics model and redesigned onboarding customer journeys
  • formulating an innovative digital-banking business model focused on the consumer and small-and-medium-size-enterprise segments, including potential nonbank partnerships, for a leading local bank in Asia
  • revamping online and mobile digital channels by introducing a new customer value proposition and negotiation support with potential partners for a domestic leader
  • improving the productivity of a large sales organization by introducing a new suite of digital tools, including multichannel integration and frontline sales-enablement tools
  • designing and testing digital-customer value propositions to enable a market leader to strengthen its presence and share with digital customers

Vinayak has helped establish deep fact bases on the new trends and dynamics in the Asian banking market. He has coauthored two reports, Digital banking in Asia: Winning approaches in a new generation of financial services, and Capitalizing on Asia’s digital-banking boom, which address the evolution and opportunities in digital banking, assess competitive landscape evolution, and look at the revenue implications for various business models.

Published work

How to merge talent, skills, and purpose: A chat with the Group CEO of Singlife,” McKinsey & Company, March 2023

Derisking corporate business launches: Five steps to overcome the most common pitfalls,” McKinsey & Company, October 2020

How healthy is the Asian financial system?,” McKinsey & Company, May 2020

Digital banking in Indonesia: Building loyalty and generating growth,” McKinsey & Company, February 2019

Engaging customers: The evolution of Asia–Pacific digital banking,” McKinsey & Company, January 2017

Weathering the storm: Asia–Pacific Banking Review 2016” McKinsey & Company, June 2016

Capitalizing on Asia's digital-banking boom,” McKinsey & Company, March 2015

Digital banking in ASEAN: Increasing consumer sophistication and openness,” (PDF–933 KB), McKinsey & Company, March 2015

How to prepare for Asia’s digital-banking boom,” McKinsey & Company, August 2014

Digital banking in Asia: Winning approaches in a new generation of financial services,” (PDF–3MB), McKinsey & Company, January 2014

Insights from McKinsey’s Asia-Pacific payments map,” (PDF–257 KB), McKinsey on Payments, September 2012

Capturing the investment-banking opportunity in ASEAN,” McKinsey & Company, March 2011


Indian Institute of Management, Calcutta

Jawaharlal Nehru Technological University
BTech, computer science