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University of Puthisastra (UP) Internship Description Sector: Education, EdTech, Assessment, Examinations, Training, Professional Development & Research Overview Boeng Reang, Phnom Penh The University of Puthisastra (UP)  is offering a 6-month Maintenance Internship within its Facilities and Development Centre. This opportunity is ideal for students in electrical engineering or related fields who are interested in gaining hands-on experience with electrical systems, water networks and general maintenance operations within an academic setting. Interns will contribute to the upkeep and improvement of campus infrastructure while learning from an experienced team and applying technical knowledge in a real-world environment. Responsibilities Assist in supervising, guiding and advising the maintenance team on repairs to the electricity system, water system, furniture and fixtures. Help install and schedule regular maintenance of electrical equipment, water systems and related facilities. Support repair and troubleshooting of the electricity lines, plumbing systems and general campus equipment. Report on energy, equipment and water usage to support more efficient consumption. Maintain and monitor the performance of electronic devices to ensure functionality. Assist in identifying and proposing solutions for infrastructure maintenance improvements. Support all activities involving the installation, maintenance and repair of campus facilities. Help ensure workers have appropriate personal protective equipment (PPE) at all times. Contribute to the preparation of monthly maintenance reports. Perform other tasks as assigned by the maintenance officer or line manager. Eligibility Currently a third-year student or holder of an associate degree in electrical engineering  or a rela ted field. At least 6 months' experience in ele ctrical or general maintenance work. Completion of training courses  in maintenance or project management is an advantage. Familiarity with MS Office  and digital tools for maintenance tracking. Some command of English  and Khmer, both spoken and written. Strong interpersonal  and problem-solving skills. Ability to work flexible hours when required. Proactive mindset with an eagerness to learn about technical systems. Good communication and teamwork  skills. Sociable and committed to learning new skills and techniques. About University of Puthisastra (UP) The University of Puthisastra (UP)  is one of Cambodia’s leading health sciences and technology universities, known for its commitment to innovation and practical learning. Interns at UP benefit from a collaborative environment where they gain exposure to real operations and contribute meaningfully to the development of educational infrastructure. This internship offers a unique opportunity to build practical skills while working with professionals dedicated to improving university facilities and services.

Phillip Bank Internship Description Sector: Accounting & Audit, Finance, Banking, Fintech, Investment, Insurance & Professional Services Overview Phnom Penh To provide internship opportunities for students gaining practical experience in commercial banking and insurance careers. We believe in nurturing young talent and providing a diverse learning experience that stretches your knowledge and grows your skills. You’ll be given recognition and credit for your work. You’ll also start to build a supportive network of peers and colleagues who are as passionate about learning and improving as you are. Responsibilities Conduct market research on emerging trends, competitors and customer expectations. Assist in enhancing products (e.g., mobile banking app, internet banking). Gather feedback and analyse data to improve customer journeys. Collaborate with cross‑functional teams (IT, Marketing, Legal) to support new initiatives. Help troubleshoot issues and assist with testing to ensure quality and security standards are met. Prepare documentation and presentations for ongoing projects. Contribute to customer education by helping create user guides, training and FAQs. Monitor and report on performance metrics for banking and/or insurance products. Eligibility Open to young talents from all over the world to join the Phillip Group in Cambodia. University students or fresh graduates . About Phillip Bank Phillip Bank is one of Cambodia’s leading commercial banks and a member of the Singapore‑based PhillipCapital Group, offering retail, SME and corporate banking through a nationwide branch network and strong digital channels. The bank periodically recruits interns for teams such as retail/branch sales and service, corporate banking, risk and compliance, operations, finance and accounting, IT/digital banking, data analytics and marketing. Internships provide on‑the‑job training with a supervisor.

Park Hyatt Siem Reap Internship Description Sector: Hotels, Restaurants, F&B, Hospitality, Tourism, Travel & Destination Management Overview Siem Reap The Park Hyatt Siem Reap  Operations Trainee position is part of a 12-month Career Management Trainee (CMT) Program designed to prepare talented young professionals for future leadership roles in luxury hospitality. This structured development programme combines rotational assignments across key operational departments with leadership projects, hands-on management experience and access to Hyatt’s global learning and development initiatives. Trainees gain cross-functional exposure to front office, concierge, PBX and bell services, contributing to exceptional guest experiences while developing their professional skillset and service mindset. Responsibilities Meet service quality standards that affect guest satisfaction. Respond to guest questions or problems in a timely, professional manner. Accept opportunities to learn new skills and improve performance. Cross-train in other hotel functions when required. Solve routine problems that occur on the job. Ask questions and seek support when unsure how to complete tasks. Learn new skills at the expected pace for the role. Participate in task-based assignments and learning activities. Develop operational expertise through rotational exposure. Interact with owners, guests and associates to enhance service skills. Eligibility A bachelor's degree in hospitality  or a related field is preferred. Relevant internship experience  in hotel or hospitality operations is an advantage. Good working knowledge of English . Strong communication skills  and interpersonal competence. Demonstrated creative problem-solving  abilities. High cultural awareness  and sensitivity to guest needs. Passion for luxury hospitality  and service excellence. Strong adaptability, resilience and eagerness to learn. Strategic thinking and a desire to contribute to long-term goals. Clear ambition to progress into a managerial role  within Hyatt. About Park Hyatt Siem Reap Park Hyatt Siem Reap  is one of Cambodia’s premier luxury hotels, combining contemporary design with authentic Khmer artistry in the heart of the city. As part of the globally renowned Hyatt Hotels Corporation , the property offers an enriching professional environment where aspiring hospitality leaders can thrive. Interning at Park Hyatt means access to high-impact development programmes, cross-functional training, international mentorship and real-world leadership exposure, making it an ideal launchpad for a long-term career in global hospitality.

Intercare Hospital Job Description Sector: Healthcare, Medical, Pharmaceuticals, BioTech, Wellness, Leisure, Occupational Health & Safety (OHS) & Security Services Overview Veal Vong, Phnom Penh Intercare Hospital  is seeking a motivated graduate to join its growing operations team as a Billing Officer / Cashier Officer. This frontline role is vital in ensuring smooth billing procedures, accurate financial documentation and exceptional patient experience. The successful candidate will engage with patients, insurance providers and internal departments, gaining valuable exposure in medical administration and healthcare finance. It is an ideal entry-level opportunity for graduates interested in combining finance, service and healthcare. Key Duties & Responsibilities Greet patients professionally while maintaining confidentiality. Register and manage invoices for clinic plans, corporate credit and direct billing clients. Prepare inpatient invoices before discharge and ensure patient signatures on all billing documents. Confirm insurance coverage, provide cost estimates and secure guarantees of payment (GOP). Collect payments and ensure billing accuracy, including authorisation for any amendments. Liaise with physicians to complete and sign medical claim forms promptly. Follow up with clients regarding outstanding invoices via call, SMS or email. Prepare and reconcile daily sales reports, invoices and credit notes for Finance. Submit credit card slips, supporting documents and cancellation invoices to finance and insurance teams. Perform additional tasks and reporting duties as assigned by the supervisor. Qualifications, Skills & Experience Hold or be pursuing a degree in accounting , finance  or a related field. Minimum 1 year's  experience in cashier  or billing  roles. Familiar with Microsoft Office Suite , especially Excel . Good written and spoken English  and Khmer. Strong problem-solving skills  and flexibility. Effective communication skills  and interpersonal abilities with patients and colleagues. Attention to detail and respect for financial and patient data accuracy. About Intercare Hospital Intercare Hospital  is a fast-growing, patient-centred medical institution offering a wide range of clinical and diagnostic services in Phnom Penh. Known for its professional standards and international approach to care, Intercare provides a supportive and structured working environment for new graduates. Employees benefit from practical experience, access to continuous professional development and the opportunity to grow within a healthcare system that prioritises quality, compassion and collaboration. Estimated Salary Range (unofficial, AI-based prediction): USD $350 to $500 per month, depending on experience *Contact the organisation directly for precise salary information. Regional Salary Comparison Cambodia : $350 – $500 Entry-level billing and cashier roles in private hospitals tend to fall within this range. Laos : $400 – $600 Private hospitals in Laos offer slightly higher starting salaries for billing roles. Myanmar : $300 – $500 Compensation remains comparable but more variable in urban areas. Thailand : $500 – $700 Graduate billing staff in Bangkok’s private healthcare sector earn moderately more. Vietnam : $450 – $650 Wages for similar roles in Vietnam’s private hospitals are higher due to greater competition and urban costs.

Prudential (Cambodia) Life Assurance Internship Description Sector: Accounting & Audit, Finance, Banking, Fintech, Investment, Insurance & Professional Services Overview Phsar Depou I, Phnom Penh This internship at Prudential (Cambodia) Life Assurance  offers an exciting opportunity to gain practical experience in a dynamic and inclusive corporate environment. As a Creative Design Intern, you will contribute to ongoing design and marketing initiatives by supporting the creation of visual materials, digital content and internal assets. This position is ideal for students or recent graduates looking to build their portfolio and collaborate with experienced professionals in the field of creative design and brand communication. Responsibilities Assist in creating visual assets such as social media graphics, banners, infographics and internal posters. Support the development of marketing collaterals, including brochures and event materials, under guidance from senior designers. Carry out basic photo and video editing tasks for both internal and external campaigns. Conduct photo research and image sourcing aligned with brand guidelines. Participate in brainstorming sessions to contribute to campaign visuals and creative concepts. Assist with on-site creative support during events, such as taking photos or helping with setup. Ensure all design files are organised and properly archived for team use. Collaborate with colleagues and contribute ideas to improve project outcomes. Perform other creative tasks as assigned by management. Eligibility Currently pursuing or recently completed a degree in design , media , communications  or a related field. Familiarity with graphic design software  such as Adobe Illustrator , Photoshop  or Canva . Strong interest in branding and visual storytelling . Demonstrated ability in time management  and project coordination. Basic skills in photo editing  or video content creation. Strong attention to detail and willingness to learn in a team setting. Effective communication  and collaboration with team members. Working knowledge of English , both spoken and written. Prior experience in design projects (academic or freelance) is a plus. Availability to support occasional event-based assignments. About Prudential (Cambodia) Life Assurance Prudential (Cambodia) Life Assurance  is part of a leading global financial services group, committed to helping people grow and protect their wealth. With a presence across the CLM markets, Prudential fosters a culture where inclusion is assured and ambition is supported. Interns at Prudential gain hands-on exposure to impactful projects, receive mentorship from professionals, and are encouraged to grow within an environment that values creativity, innovation and continuous learning.

Decathlon Cambodia Internship Description Sector: FMCG, Fashion, Retail, Ecommerce & Services Overview Phnom Penh Decathlon Cambodia  is looking for a dynamic Social Media & Video Content Intern to support its growing retail and marketing operations. As part of a global sports brand committed to making sports accessible to all, this internship offers a unique opportunity to merge your passion for sports with content creation. Working closely with a vibrant and sportive marketing team, you'll play a key role in shaping digital storytelling and engaging Cambodia’s sports community through short-form video content. Responsibilities Brainstorm creative video ideas for Facebook Reels and Stories . Collaborate with the marketing team to develop weekly content plans. Capture behind-the-scenes footage, product reviews, sports demonstrations and event highlights. Edit mobile-first vertical videos (9:16) using apps such as CapCut or Adobe Premiere Rush . Add text overlays, captions, trending music and transitions to maximise engagement. Schedule and post content on Instagram Stories, Reels, Facebook Stories and TikTok . Ensure alignment with brand voice, tone and visual guidelines. Eligibility Currently pursuing or recently completed a degree in communications , media , marketing , design  or a related field. Strong interest in short-form video production  and digital storytelling . Active sports enthusiast with a passion for sharing content that inspires movement. Comfortable using mobile editing apps  like CapCut or Adobe Premiere Rush . Confident user of Instagram, Facebook, TikTok and other social media platforms. Good command of English  and Khmer. Strong sense of creativity, trend awareness and attention to detail. Enthusiastic team player with a collaborative and adaptable mindset. Emotionally intelligent, self-aware and motivated to learn and grow. About Decathlon Cambodia Decathlon Cambodia  is a global leader in sports retail, operating in more than 60 countries with over 1,700 stores worldwide. In Cambodia, the company is rapidly expanding, bringing world-class products and community engagement to the local market. Interns at Decathlon benefit from a people-centred culture, continuous development and the opportunity to contribute to a company that lives its mission to “Move People through the Wonders of Sport.” You’ll be part of a fun, supportive and passionate team where everyone plays to win, together!

RMA Cambodia Internship Description Sector: FMCG, Fashion, Retail, Ecommerce & Services Overview Phnom Penh RMA Cambodia’s Human Resources Intern position is designed for university students pursuing a bachelor’s degree in human resources, business administration or a related field, and for newcomers eager to start a career in HR; no prior experience is required. Ideal candidates are proactive, detail‑oriented and enthusiastic about people‑focused work, with proficiency in Microsoft Office tools such as Word, Excel and PowerPoint . This internship provides hands‑on exposure to core HR functions, including recruitment, employee records and event coordination, in a dynamic corporate environment, making it a strong foundation for early‑career human resources professionals. Responsibilities Update internal HR databases with new employee information (contact details, employment forms). Screen resumes and application forms. Schedule and confirm candidate interviews. Post, update and remove job ads on job boards, the careers page and social networks. Prepare HR-related reports (including supporting new-staff documentation). Participate in organising company events and career days. Carry out other tasks assigned by the supervisor. Eligibility Bachelor’s degree (or current study) in human resources management or a related field. Basic knowledge of HR concepts and practices. Familiarity with HRIS , ATS and resume databases (exposure is sufficient). Proficiency with Microsoft Office  ( Word, Excel, PowerPoint ). An understanding of full‑cycle recruiting  is an advantage. Strong organisational skills  and attention to detail. Positive attitude; flexible and friendly working style. About RMA Cambodia An internship at RMA Cambodia  offers more than just a stepping stone into the workforce; it’s a gateway to learning from one of the country’s leading diversified companies. With operations spanning automotive, engineering, infrastructure, food services and technology, interns are exposed to a dynamic, fast-moving business environment backed by global standards. RMA Cambodia is known for nurturing young talent, offering structured mentorship, practical training and opportunities to connect with experienced professionals across sectors. Interns benefit from working in a values-driven culture that emphasises integrity, innovation and performance, making it an ideal launchpad for students aspiring to grow their careers in accounting, finance or broader business fields.

EY Cambodia Internship Description Sector: Accounting & Audit, Finance, Banking, Fintech, Investment, Insurance & Professional Services Overview Chey Chumneah, Phnom Penh At EY , you’ll have the chance to build a truly exceptional experience. We’ll empower you with the latest technology, surround you with high-performing teams and provide the global scale and diverse and inclusive culture you need to discover your full potential. Through our coaching and training programs, you’ll develop the skill sets you need to stay relevant today and in the future, all while building a network of colleagues, mentors and leaders who will be on the journey with you at EY and beyond. Responsibilities Contribute technically to client engagements and internal projects within the tax practice. Execute assigned work plans and assist in preparing reports and deliverables for clients and other stakeholders. Help clients proactively and responsibly manage their tax obligations. Build and maintain internal and external working relationships as part of the client service team. Identify and escalate potential business opportunities observed on existing engagements. Anticipate and flag risks or areas for performance improvement during the engagement. Escalate issues appropriately to senior team members for resolution. Ensure the work you deliver is high quality and reviewed by the next-level reviewer. Eligibility A degree , preferably with an emphasis on accounting, finance, economics, law or a related field. Relevant experience within a finance, accounting and/or law environment with exposure to taxes. Working knowledge of current and emerging tax implications , with the ability to apply knowledge. About EY Cambodia An internship at EY in Cambodia offers a rich platform for personal growth, professional development and global exposure. As an intern in the tax practice, you’ll gain hands‑on experience working on real client engagements, sharpening analytical, technical and problem‑solving capabilities, while receiving ongoing guidance, feedback and mentorship guaranteed by EY’s strong coaching culture. You’ll join a diverse, inclusive team and build lasting networks with professionals and peers across tax, consulting, assurance and transaction services. Plus, being part of a globally respected Big Four firm adds significant recognition to your CV and can lead to return offers or accelerated opportunities in Cambodia and beyond. Beyond the role itself, EY’s culture values work–life flexibility, well‑being initiatives and continuous learning, so you benefit not just professionally but holistically as you launch your career at a global firm committed to building a better working world.

Smart Axiata Internship Description Sector: Telecommunications, ICT, Digital & Cybersecurity Overview Phnom Penh The Learning and Development Intern will support the Talent and Organisational Development team by providing administrative assistance across learning initiatives, talent development, engagement programmes and employee experience activities. The role includes managing and administering data, systems and project activities to ensure the smooth delivery of initiatives. By contributing to a positive work environment and supporting stakeholder coordination, the intern helps enhance the employee experience and strengthen Smart’s position as an employer of choice. Responsibilities Provide administrative support to the Talent and Organisational Development (OD) team, contributing to learning initiatives, talent development programmes and engagement activities. Prepare and manage learning and development reports, ensuring timely and accurate submission to department heads. Assist with the daily operations of the L&D and Talent teams, coordinating activities, liaising with employees, and supporting team initiatives. Administer learning platforms and systems, including generating reports, updating learning journeys, and maintaining accurate records. Support operational processes and workflows, providing information and assistance to internal teams as required. Execute assigned projects and ad hoc tasks to support the Talent and OD team’s objectives. Eligibility Bachelor’s degree in human resources, business administration or a related field. General understanding of HR management and development  concepts. Basic knowledge of programme management , data analysis and execution. Proficient in MS Word, PowerPoint and Outlook . Advanced proficiency in MS Excel  and experience using digital platforms and systems. Strong written and verbal communication skills in both English and Khmer . Excellent interpersonal skills  with the ability to build positive relationships across the organisation. Skilled in planning, organising and time management for programmes and projects. Proactive and creative, with the ability to generate and present professional ideas. Passion for working with data, systems and diverse stakeholders. Demonstrate a growth mindset and enthusiasm for continuous learning and development. About Smart Axiata An internship at Smart Axiata  offers an immersive opportunity to learn from Cambodia’s leading telecom innovator while advancing both professionally and personally. Through its structured Learning & Development Internship, you'll be mentored by experienced HR professionals, collaborate with cross-functional teams, and build transferable skills in data administration, stakeholder communication, and project execution. Smart’s dynamic culture fosters innovation, inclusion and growth, positioning interns not only to contribute in their current role but also to expand their network within the Axiata Group , unlock future career paths, and build a resume recognised across the tech‑com sector in Cambodia.

Moved within/to: Robi Axiata June 2025 Robi Axiata PLC , Bangladesh's second-largest mobile network operator, has announced the appointment of Ziad Shatara as its new Managing Director and Chief Executive Officer, effective from 1st September 2025. This high-profile appointment marks a pivotal moment not only for Robi but also for the broader Axiata Group , as it brings in a seasoned telecom executive with a distinguished global career spanning more than 30 years. Mr Shatara's move from Smart Axiata in Cambodia to Robi reflects a strategic decision aimed at leveraging his vast experience in driving innovation, organisational transformation, and sustainable growth in competitive telecom markets. Accomplishments at Smart Axiata Ziad Shatara's career is defined by successful tenures in a variety of challenging roles and markets. Prior to his upcoming role at Robi, he served as the Chief Executive Officer of Smart Axiata in Cambodia, where he led the company through a period of digital transformation, operational efficiency and market expansion. Under his leadership, Smart strengthened its position as a leading telecom operator in Cambodia, known for innovation in digital services and customer engagement. Shatara’s strategic initiatives at Smart included the development of digital financial services, the enhancement of mobile internet infrastructure, and a strong push towards inclusive connectivity across urban and rural areas. Previous Experience Before his time in Cambodia, Shatara held CEO roles at Banglalink in Bangladesh and Umniah in Jordan, where he consistently demonstrated a flair for combining strategic vision with operational excellence. At Banglalink, he was instrumental in revitalising the company’s growth trajectory by focusing on network modernisation, customer-centric offerings, and cost optimisation. During his tenure at Umniah, he oversaw major improvements in service delivery and market competitiveness, helping the company secure a stronger foothold in Jordan’s dynamic telecom sector. Earlier in his career, he served as the Chief Technology Officer of Wind Telecom in Italy, where he gained critical experience in network architecture, infrastructure deployment and technology-driven innovation. Reason behind the Appointment Ziad Shatara's ability to integrate technology with business strategy has become a hallmark of his leadership style, making him particularly well-suited for markets undergoing digital transformation. Robi’s decision to appoint Mr Shatara signals the company's intent to usher in a new era of growth, resilience and market leadership. As part of the Axiata Group, Robi has been a key player in Bangladesh’s telecom landscape, known for its strong subscriber base, innovative data services, and focus on digital inclusion. However, like other telecom operators in the region, Robi faces challenges such as rising data demands, regulatory shifts and intensifying competition. Shatara’s mandate will likely involve navigating these challenges while positioning Robi to capitalise on emerging opportunities in digital services, 5G deployment and fintech integration. From a broader perspective, Shatara’s move also reflects Axiata Group’s strategy of talent mobility and leadership synergy across its regional operations. With operations in Malaysia, Indonesia, Sri Lanka, Nepal and Cambodia, Axiata has consistently sought to cultivate a bench of experienced leaders who can adapt to different market contexts while upholding the group’s values of innovation, inclusion, and digital advancement. Shatara’s leadership journey within Axiata underscores this philosophy, demonstrating how internal mobility can be a powerful tool for organisational growth and cohesion. In Cambodia, his departure from Smart Axiata will undoubtedly be felt. Colleagues and industry peers have praised Mr. Shatara for his visionary leadership, collaborative management style, and deep commitment to digital empowerment. During his tenure, Smart Axiata became synonymous with youth-centric branding, robust 4G coverage, and pioneering initiatives in education and entrepreneurship. His focus on local talent development and corporate social responsibility helped solidify Smart’s role not just as a telecom provider but as a key contributor to Cambodia’s digital economy. About Smart Axiata Smart Axiata delivers telecommunication and integrated ICT solutions across Cambodia, boasting over 7.5 million subscribers. By transforming into a comprehensive mobile and digital technology brand, the company is revolutionising the country’s digital landscape, redefining lifestyle entertainment and professional productivity through a range of innovative offerings. As a subsidiary of Axiata Group Berhad, one of Southeast Asia’s leading telecommunications groups, Smart is a key Malaysian enterprise partially owned by a sovereign wealth fund of the Government of Malaysia. Smart benefits from both regional expertise and global standards. This strong backing reinforces Smart’s commitment to delivering world-class services while contributing to Cambodia’s digital and economic transformation. Follow Ziad on LinkedIn Get the latest Kardal updates here

CEO, Kardal JP Gagnon (left) in his previous role as CEO at Sathapana Bank April 2025 Jean Pierre 'JP' Gagnon brings over two decades of leadership experience in fintech, digital payments and transactional banking. Before arriving in Cambodia, he served as CEO of beFinancial in Vietnam and prior to that as CEO of Eko‑Pay, helping build payment platforms across Asia and Europe. In 2025, he transitioned to become CEO of Kardal plc, a fintech startup positioned to lead payment innovation in Cambodia. Background In mid‑2020s, JP joined Sathapana Bank Plc (a Cambodian commercial bank formed in 2016 through the merger of MARUHAN Japan Bank and SATHAPANA microfinance) as Deputy Chief Executive Officer, overseeing a wide spectrum of functions: transaction banking, IT, digital products, strategic partnerships, and leading high‑performance teams for digital innovation. While there, JP drove multiple initiatives in digital banking and payment innovation—integrating POS systems, loyalty and co‑branded card programs, and cross‑border and MSME payment solutions in collaboration with global schemes such as Visa and Mastercard across North America, Europe, and APAC. Notably, he also represented the bank at international fintech forums such as Zürich Fintech Festival and Point Zero Forum, emphasizing Cambodia’s rapid fintech transformation and the inclusion of micro, small, and medium enterprises (MSMEs) in digital. At Sathapana, he reinforced the bank’s identity as “the people’s bank”—championing financial inclusion, improving customer centricity, and scaling digital banking efforts. . Accomplishments at Sathapana Bank Digital Innovation & Payment Expansion Gagnon led the expansion of digital payment offerings, introducing and scaling POS systems, co‑branded cards and loyalty programs, while enhancing online banking and mobile banking platforms. His fintech expertise helped Sathapana build a transactional infrastructure capable of serving both retail and MSME clients and align with card schemes like Visa and Mastercard across global regions. Strategic Partnerships & International Exposure Under his leadership, Sathapana engaged with global fintech players and policymakers. He represented the bank at global platforms like the Point Zero Forum 2025, contributing to roundtables on digital assets and credential interoperability, with stakeholders such as the National Bank of Cambodia (NBC) and UNDP, working to foster inclusive digital finance frameworks. ESG & Community Engagement While representing the bank publicly, he promoted environmental and social initiatives, such as Cambodia's first 'Green Mobility' ride promoting e‑motorbikes to reduce emissions—a campaign aligned with the bank’s broader ESG positioning. Transition to CEO at Kardal The Move In mid‑2024 (about 11 months ago), Jean Pierre Gagnon officially stepped into the role of Chief Executive Officer at Kardal plc, marking a career shift from deputy leadership at Sathapana to heading a payments‑focused company: Kardal, a technology‑driven platform promising seamless payments across Cambodia and beyond. About Kardal While Kardal is less widely covered in public media, the positioning suggests a nimble fintech venture focused on expanding digital payments, merchant acquiring, or e‑wallet services in Cambodia. JP’s strategic focus as CEO likely involves scaling a payments technology platform that can integrate merchants, banks, and consumers more seamlessly than traditional banking channels.  Scaling payments technology platforms at Kardal Leadership Style & Strategic Vision Fintech‑Driven and Partnership‑Oriented JP’s background shows a pragmatic, partnership‑oriented approach: building proprietary fintech solutions, POS systems, digital wallets, digital banking products––in collaboration with major card networks and international players. As CEO of Kardal, he is expected to bring the same mindset: forging alliances, integrating with schemes, and leveraging technology to streamline payments infrastructure. Focus on Inclusivity and MSMEs With his experience promoting MSMEs at Sathapana—and participating in forums emphasizing universal trusted credentials and financial inclusion—JP likely anchors Kardal’s vision around enabling underserved small businesses to participate in the digital economy. Sustainability & Regional Impact His earlier advocacy for sustainability (e.g. green e‑mobility campaign) signals a broader ESG awareness. Leading Kardal, he may focus on social impact metrics—enabling cleaner, digital, paperless payments, reducing cash dependency, and expanding financial access. What This Means for Cambodian Fintech This leadership shift reflects broader trends in Cambodia’s retail finance: banks gradually stepping back from direct payment infrastructure innovation, as specialized fintech companies like Kardal rise to focus on merchant acquiring, wallet services, and payment rails. The move from a deputy‑CEO role in a large bank to CEO of a focused fintech venture underscores both JP’s entrepreneurial drive and the maturing of Cambodia’s digital payments ecosystem. Under his helm, Kardal may work closely with players such as NBC, banks, merchants, e‑commerce platforms, remittance services and cross‑border schemes. We may expect further developments in merchant onboarding, payment accessibility for rural MSMEs, and integration with national digital finance strategy. Reflection & Outlook Personal Trajectory From banking leadership in Southeast Asia’s emerging markets (Vietnam, Cambodia), JP Gagnon has evolved into a fintech leader with hands‑on digital product experience and strategic vision. His move to CEO of Kardal constitutes a natural progression—from intrabank innovation to founding or scaling a technology‑first company. Strategic Implications If Kardal executes at scale, JP could help catalyze Cambodia’s transition toward digital payments ubiquity. His expertise positions him to secure partnerships—whether with global card schemes, local banks, or institutions like NBC—to launch scalable merchant acquiring networks, e‑wallets, and digital finance tools. Follow JP on LinkedIn Get the latest Kardal updates here

Mekong Strategic Capital (MSC) Report Description Summary The Economic Snapshot & Outlook 2024 assesses Cambodia’s economic trajectory and concludes that the downturn, which began in the second half of 2022, had 'bottomed out' by mid‑2024, and the economy is now on a modest recovery path. The report underscores that while the new Cambodian government has shown strength, additional fiscal stimulus could enhance momentum: Economic Downturn Bottomed in 1H 2024: The prolonged slowdown that began in mid‑2022, driven by global liquidity tightening and a sharp contraction in garment exports, has now stabilised, with modest recovery underway in the second half of 2024. Actual GDP Growth in 2023 Closer to ~2%: MSC estimates that real GDP growth was around 2 per cent, significantly below the official 5 per cent figure, citing weak indicators such as sluggish domestic demand, low tax receipts, constrained bank lending, rising loan arrears and flat net exports (excluding solar). Garment Exports Rebounding Strongly: Exports of clothing surged over 22 per cent in early 2024 (excluding solar/diode exports), providing a vital lift to the economy, and expected to spill over into domestic demand. Financial Sector Improvement: Liquidity has rebounded sharply, deposits grew nearly 20 per cent in the first half of 2024, and interest rates are peaking and likely to decline. MSC projects non‑performing loans should start to fall by year‑end. Tourism Recovery Still Cautious: After disappointing performance in early 2024, tourism is expected to pick up in late 2024, supported by increased flight capacity and cheaper fares. Policy & Investment Outlook: Ongoing infrastructure investment and diversification in manufacturing are seen as growth anchors. MSC also suggests that the new government, although performing well, should consider additional fiscal stimulus to sustain momentum amid rising. Economic Outlook The report presents a cautiously optimistic outlook for Cambodia’s economy in the second half of 2024 and beyond. Following nearly two years of slowdown, key indicators now suggest the worst has passed, with growth stabilising and recovery underway. Stronger garment exports, improved financial sector liquidity, and anticipated gains in tourism are expected to drive momentum through late 2024. Continued infrastructure investment and manufacturing diversification also support the medium-term trajectory. However, MSC warns that global uncertainty, including rising geopolitical risks and external demand volatility, could temper recovery. To strengthen the rebound, the report recommends that the Cambodian government consider targeted fiscal stimulus and proactive policy measures to accelerate private sector confidence and domestic consumption.   MSC Economic Snapshot & Outlook Series The MSC Economic Snapshot & Outlook series provides concise, data-driven assessments of Cambodia’s economic performance and near-term prospects. Published regularly by Mekong Strategic Capital, each edition analyses key trends, such as GDP growth, exports, tourism and financial stability, while identifying turning points in the economy. The series aims to offer clear, pragmatic forecasts grounded in local insight, often diverging from official estimates. It is widely used by investors, analysts and policymakers seeking a realistic view of Cambodia’s economic trajectory and emerging risks. About Mekong Strategic Capital (MSC) Founded in 2014 by former banking executives John McGinley and Stephen Higgins, Mekong Strategic Capital (MSC) is a Phnom Penh–based investment and advisory firm operating across the Greater Mekong region. The firm specialises in corporate finance (M&A, capital raising, strategic advisory), investment management (in financial services, tech, infrastructure, renewable energy and real estate), and a growing climate finance practice, reflecting its commitment to sustainable investing. Over the past decade, MSC has built deep regional networks and become a trusted partner in landmark transactions, including major deals within Cambodia’s banking sector and ventures in sustainable development.