JX Lye: Execution Is the Moat, Fintech’s Reset & Why Speed Beats Strategy – E674

JX Lye, Founder and CEO of Acme, joins Jeremy Au to unpack how execution compounds advantage in Southeast Asia fintech. They explore Acme’s journey from solving delayed bank reconciliation to becoming a core bank connectivity layer serving fintech platforms, direct debit infrastructure, and ERP systems across Singapore and the region. The conversation covers the hard realities of going from zero to one customer, the discipline required from one to five, and how scaling to 80 customers shifts growth toward retention and upsell. Joshua reflects on fintech’s COVID boom and 2023 reset, the Brex versus Ramp execution debate, and why Sing...