Mr Lai joined Tencent in 2009 and was the general manager for Tenpay between 2012 and 2019. In 2015, Tencent’s payment business was accelerated and developed into Tencent FiT (Financial Technology). Since then, Mr Lai has been leading Tencent FiT until 2019.
During the time when Mr Lai headed up the Tenpay and Tencent FiT business, he and the team have made contributions of strategic significance in setting up the Group’s payment infrastructure and in creating an open financial ecosystem. In 2014, Mr Lai and his team launched WeChat Red Packet and QQ Red Packet, which had gained huge popularity across China. This enabled Tencent to tap into the fast payment market and provided a solid foundation for gaining a competitive edge in mobile payment. In 2014, Mr Lai and his team also launched the wealth management platform Licaitong. The platform has grown its aggregated customer assets to over RMB 800 billion by first half of 2019. Consequently, with payment services as an entry point, Tencent has succeeded in establishing a financial ecosystem that covers such diversified fields as wealth management, securities, banking, and blockchain. This has positioned Tencent as the leader in the FinTech sector. In 2017, Mr Lai initiated the establishment of Tencent Finance Academy, which aims to nurture cross-border talents for the Internet and financial sectors and to facilitate the long-term development of the FinTech industry. Mr Lai is the Dean of the Academy.
Tencent’s virtual bank business is tasked with the mission of exploring innovations and opening up new frontiers for the company and the industry. In May 2019, under Mr Lai’s leadership, Fusion Bank Limited, a joint venture initiated by Tencent, was granted a virtual banking license by the Hong Kong Monetary Authority. In June 2019, as Tencent’s vice president, Mr Lai was appointed as the Chairman of Fusion Bank.
Mr Lai is concurrently a director of renowned financial corporations including ZhongAn Online P&C Insurance Company Limited, Hetai Life Insurance Company Limited, and CITIC Capital Holdings Limited.
Prior to joining Tencent, Mr Lai had successively been an investment manager with Apax Partners PE in the UK and Lehman Brother’s Investment Bank in the US; and served as associate vice president at Credit Suisse First Boston Investment Bank.
Mr Lai is a member of the Guangdong Provincial Committee of the Chinese People’s Political Consultative Conference. In the Hong Kong SAR, he is a member of the Chief Executive's Council of Advisers on Innovation and Strategic Development and a member of Committee on Innovation, Technology and Re-industrialization. He also serves as a board member and Convenor of the Policy Research Committee of Financial Services Development Council and a member of the Financial Infrastructure and Market Development Sub-Committee of the Exchange Fund Advisory Committee of Hong Kong Monetary Authority. In 2009, Mr Lai was named Outstanding Corporate Leader in the 530 Program of Wuxi Municipality, Jiangsu Province, People’s Republic of China.
Mr Lai holds a bachelor’s degree in computer science from MIT, minor in economics. He also holds a master’s degree in computer science from MIT as well as an MBA degree from Harvard Business School.
赖智明在2009年加入腾讯，于2012到2019年间担任财付通总经理。 2015年，腾讯的支付业务升级至业务线，腾讯金融科技 (Tencent FiT) 随之成立，并由赖智明担任负责人至2019年。
在担任财付通总经理和腾讯金融科技负责人期间，赖智明和团队为腾讯打造支付基础设施及金融开放生态做出了具有战略意义的重大贡献。在支付领域，赖智明和团队于2014年推出了国民级移动支付应用—— 微信红包和QQ红包，深受数亿用户的喜爱，实现了全球最大规模的互联网金融创新，为腾讯移动支付弯道超车和攻取行业制高点打下了坚实基础。 2014年，赖智明和团队还推出了腾讯金融科技旗下的专业理财平台——“理财通”。经过短短几年的发展，腾讯“理财通”的总客户资产已超过人民币8,000亿元（截至2019年上半年）。在赖智明的领导下，腾讯金融科技成功建立起以支付为入口，覆盖理财、证券、银行、区块链等多元领域的金融生态体系，确立了在金融科技领域的领先地位。 2017年，赖智明发起成立了腾讯金融学院并担任院长，致力于结合腾讯在互联网和金融领域的优势，培养互联网和金融跨界人才以促进金融科技行业的发展。
虚拟银行作为腾讯在香港布局的关键一环，承担着探索创新和改革攻坚的重任。 2019年5月，在赖智明的带领下，由腾讯等投资发起设立的香港虚拟银行——富融银行成功获得香港金融管理局颁发的虚拟银行牌照。 2019年6月，赖智明作为腾讯集团副总裁出任富融银行董事长。