Yu-Chen Chao (趙于楨)
Accounting and finance graduate · empirical research on digital payments and bank income
New Taipei City, Taiwan · +65 85050726 · chaoglay1101@gmail.com · linkedin.com/in/yu-chen-chao · github.com/chaoglay1101-del
Profile
Accounting and finance graduate with a completed empirical research project on digital payment pressure and bank net fee margins in an ASEAN-3 bank panel. Comfortable across the whole workflow: building a clean panel dataset, estimating fixed-effects models with clustered standard errors, testing robustness, and stating clearly what the evidence does and does not support.
Experience
Evershine CPAs Firm (永輝啟佳聯合會計師事務所)
- Prepared and checked the supporting documentation for Philippines tax incentive applications.
- Mapped the application process and turned the standard operating procedures into flowcharts used by the team.
Education
University of Birmingham · Singapore · Campus: Totally Taught Abroad · English instruction
Degree to be conferred 12 November 2026 · Class II (Division I) · overall weighted mark 61/100 · GPA 3.25
Selected projects
Final-year research project · report component 80/100 (65% of module; module total 77/100 on transcript) · above the upper quartile (73), top 25%; cohort maximum 84
- Built the bank-year panel, joined an IMF Financial Access Survey indicator, and estimated bank and year fixed-effects models with bank-clustered standard errors in Python.
- Reported the results as conditional associations and published the design, documentation, and limitations as a public research report.
Business Analytics: 70/100 · equal to the upper quartile (70); cohort maximum 76
- Mapped 437 coded World Bank Findex fields across 174 economies and 12 population groups into 24 business-readable measures, then excluded two waves for coverage, leaving 171 economies and four waves (2014–2024).
- Published a five-dashboard Tableau story on mobile money adoption, with findings on Sub-Saharan African adoption, digital payments running ahead of debit cards, the savings gap, and women's financial participation.
- Tools: Tableau Story, calculated fields and filters, Tableau Public, Excel, and Python data preparation.
Skills
Programming: Python 3.14 (pandas, NumPy, statsmodels, linearmodels, matplotlib, openpyxl), pytest, uv, Git and GitHub with a continuous-integration workflow.
Econometrics: panel data with bank and year fixed effects, bank-clustered standard errors, winsorisation, log and interaction specifications, subsample robustness.
Analysis and reporting: Tableau dashboards and data stories, advanced Excel, financial statement and bank margin analysis, cross-border tax documentation.
Languages
Chinese (Mandarin): native. English: language of instruction for the degree.