What happens when the guy writing the rulebook decides to tear it up and start his own game?

We caught up with Mohammad Ridzuan Abdul Aziz, who's had one hell of a career arc. He went from watching over Malaysia's markets at Bursa to jumping headfirst into the startup world - insurtech, digital banking, compliance tech, you name it. But this isn't your usual "I quit my corporate job to follow my dreams" story.

Ridzuan's got this unique angle: he thinks like a regulator when he builds companies, and it turns out that's actually a massive advantage. We talked about why he's convinced B2B is the way to go in Malaysia (spoiler: B2C is brutal here), why everyone's obsession with becoming the next unicorn is kind of missing the point, and how things like AI and tokenization are not just creating more noise but genuinely changing the game.

The conversation gets real about what it's like building in smaller markets, how easy it is to get trapped thinking too locally, and why Malaysian entrepreneurs might actually have more going for them than most people realize. 

Chapters

00:00 - Who Is Mohammad Ridzuan Abdul Aziz?

02:56 - Why Doing Business in Malaysia Feels Like Running in Sand

05:45 - From Regulator to Risk-Taker: How He Bridged Both Worlds

09:05 - What It Really Takes to Scale a Startup

12:14 - The Business Rules Ridzuan Actually Lives By

15:04  - Tech Isn’t Everything, But It’s Close

17:55  - Building Trust in a Distrustful Market

20:52  - What Malaysia Can Learn from Global Business Culture

24:04  - Digital Banks and AI: What’s Coming and Who’s Ready

26:57  - Going Global: Why Thinking Local Will Kill You

35:49  - Why First-Principles Thinking Separates Winners from Noise

38:22  - The Talent Problem No One in Innovation Wants to Talk About

40:53  - EVs, China, and Why Germany Lost the Plot

44:12  - So You Want to Start a Business? Read This First

48:58  - How AI is Reshaping Business Faster Than You Think

52:09  - Digital Assets Are Coming for Traditional Finance

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Follow Ridzuan here: 

LinkedIn: https://my.linkedin.com/in/ridzaziz

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