Victor sees the common thread of transformation and disruption as the proliferation of data at the speed of light or the "democratization of information". In 1999, he was an angel investor in an online Australian stockbroking start-up while starting up 3 dotcoms in venture investing, real time dynamic pricing, and interactive advertising – all of which were mothballed in the aftermath of the dotcom bust.
In 2001, he developed the concept of wealth management by combining insurance and investment needs in a new start-up called "The Wealth Management Group" ensconced in the stockbroking firm where he was an Executive Director. He grew the business from scratch to over 150 financial advisor representatives and obtained an asset management licence in 2003, growing AUM from zero to over US$350 million by 2007.
Through many market booms and busts including the 1997/1998 Asian Financial Crisis and the 2007/2008 Global Financial Crisis, he became convinced that the alpha style chase for returns was limited as markets became more correlated through a flatter financial information landscape brought about by the internet. Exchange traded securities became less "nationalistic" as globalization accelerated while digital technologies made liquidity the key differentiator of where investors gather. The real need was to manage risks before chasing returns. This required tracking vast amounts of data which was beyond the human realm.
In insurance, he saw plenty of risk data, but none were real time. In healthcare, he saw how costs could have been avoided had intervention taken place earlier to reduce or transfer risks. He saw how costs were bloated due to human inefficiencies and the lack of data transparency. In 2014, he was asked to turn around an insurance business. Together with the incumbent team, the business saw record profits and was acquired by FWD Group, the insurance arm of the Pacific Century private investment group in 2016, whereupon he was asked by FWD to leverage his experience to develop digital wealth management capabilities.