Curriculum vitae
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
The same record as below, told in order: where the research question came from, what I built, what it found, and what I want to study next. Present it to step through one highlight at a time.
Who I am
BSc (Hons) Accounting and Finance from the University of Birmingham, taught in English at its Singapore campus: Class II (Division I), GPA 3.25, with the degree to be conferred on 12 November 2026. I am seeking graduate roles in financial data analysis and master's study in finance or business analytics.
Where the question came from
In my Business Analytics Tableau story, submitted in December 2025, digital payment use ran ahead of debit-card ownership. That raised the question my final-year project tested: what happens to banks' fee income as payments move away from cards?
What I studied
39 commercial banks in Indonesia, Malaysia and Thailand, 344 bank-year observations, 2014–2022. I built the Python pipeline, merged in the IMF digital-payment indicator, and estimated bank and year fixed-effects models with bank-clustered standard errors. The research report scored 80/100, above the cohort's upper quartile.
What it found
The log model shows a negative, statistically significant pooled association between digital payment pressure and net fee margins. The decomposition suggests it comes mainly from differences between countries, so I report a conditional association, not a causal effect.
See the findings step by step on the research pagePractice
At Evershine CPAs, from July to September 2025, I worked on Philippines tax incentive applications, preparing and checking supporting documentation, including BOI Form 501. I also mapped the procedure into SOP flowcharts that the team used for the workflow and for handover.
What next
In master's study I want to test designs that can identify an effect: event studies around staggered payment-licensing reforms, inference suited to few clusters, and fee income broken down into payments, cards and merchant services.
Dates as on this CV. The final-year project is drawn across the 2025–26 academic year; hover or tab to a bar for its dates.
I am seeking graduate roles in financial data analysis, banking analytics, and FinTech strategy, and master's study in finance or business analytics.
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 (39 banks, 344 bank-year observations, 2014–2022). Comfortable across the whole research workflow: building a clean panel dataset, documenting variable definitions, estimating fixed-effects models with clustered standard errors, testing robustness, and communicating what the evidence does and does not support. Additional experience in Tableau data storytelling and cross-border tax work.
University of Birmingham · Singapore · Campus: Totally Taught Abroad · Language of instruction: English.
Accounting and Finance Research Project · University of Birmingham
Research report component: 80/100 (65% of module; module total 77/100 on transcript) · above the component's upper quartile (73), i.e. top 25%; cohort mean 67, maximum 84
IMF_FAS_FCMIBT, and merge the country-year measure into the bank-year panel.Net_Fee_Margin and financial controls, winsorised continuous variables at the 1st and 99th percentiles, and formed a complete-case estimation sample.linearmodels, then tested log, bank-size interaction, nonlinear and country-subsample specifications; checked the result with Driscoll–Kraay errors, a Mundlak decomposition, a one-year lag and a net-interest-margin placebo.Business Analytics module · University of Birmingham
Tableau assignment 70/100 (module mark 70/100 on transcript) · equal to the cohort's upper quartile (70); cohort mean 63.7, maximum 76
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uv and dependency lock files; automated tests with pytest.Evershine CPAs Firm (永輝啟佳聯合會計師事務所)