First Senior Vice President, Head of Small Business Banking
Valley National Bank
Jonas Ng currently serves as the Head of Small Business Banking at Valley Bank, leading small business strategy and focused on delivering relationship-driven financial solutions that help business owners operate efficiently and scale with confidence. He is delivering enhanced capabilities that leverage AI technologies across deposits and lending and across all client channels to deliver superior customer experiences.
Prior to his current role, Jonas served as KeyBank’s Senior Director of Business/Technology Optimization for KeyBank’s Real Estate Capital division, where he led technology strategy across process improvements data/ reporting/ compliance, AI/ML, and digital interactions. He also served as Head of Fintech Strategy, Head of Digital for KeyBank’s Commercial Banking & Payments division, and later as COO of Laurel Road (KeyBank’s Fintech subsidiary). Prior to that, he led KeyBank’s Financial Wellness Product Team as the Strategy leader, developing a comprehensive strategy to bring Financial Wellness to market for KeyBank’s Consumer Bank.
Prior to KeyBank, Jonas worked at Nationwide, Discover Card, Enova Financial, MBNA America (Bank of America), and seven start-ups and consulting boutiques. He has held roles as a COO, CMO, Chief Product Officer, Chief Digital Officer, and other leadership positions in Finance, Operations, Strategy, Business Development, M&A, full-stack software development, and Innovation. He has built patented credit decisioning and instant credit platforms; developed neural-net fraud models; led B2B and Fintech partnerships; and launched Innovation labs at several companies.
Jonas is also the Co-Founder of PersonaPick.com, an AI recommendation platform that helps high school students find their best-fit college match.
On-chain finance promises to address all three structural failures at once: Tokenized receivables to unlock instant liquidity; programmable infrastructure to unify fragmented systems; and real-time data to expand access to capital.
But the promise of on-chain is not the same as widespread adoption by small businesses. This panel examines whether on-chain finance fundamentally changes how small businesses access and manage capital—or simply improves existing models with new rails. The discussion will include: