Etiqa Life Insurance Berhad

Fadaya spent over 20 years inside Malaysia's banks and insurers, Bank Islam, Zurich, Etika, Ambank, corporate strategy, credit committees, Zakat committees, a career built on one skill, assessing risk.

Then he left to build GoBaraka, a fintech that turns donations into trackable, traceable e-vouchers.

And this year, his team became the first social exchange operator appointed by the Securities Commission.