Darren Goh

While visiting family in Singapore, Darren Goh saw first-hand how financial technologies like QR codes, digital wallets and e-commerce apps were transforming everyday life.

“After returning home to New Zealand, I became curious about how fintech can drive change - especially in remote areas where traditional banking services aren’t easily accessible,” says Darren. “I realised I’d love to help create digital financial systems that are more inclusive and give people better access to opportunities. That’s the future I want to help build.”

That passion led Darren to enrol in a Bachelor of Banking, Finance and Technology (BBFinTech) at the University of Waikato; a degree that blends practical skills in finance, technology, and real-world impact.

Darren says the degree is equipping him with the skills and knowledge to thrive in an industry that’s constantly evolving. “What excites me is how closely the content connects with real global events, and fintech’s role in driving innovation.”

A highlight of his first year was a guest lecture by Shane Marsh, co-founder of the new banking app Dosh, an alumnus of Waikato Management School. “Hearing directly from someone who has launched a successful fintech company in New Zealand was incredibly inspiring – it showed us the practical side of what we’re learning and the career paths we could take.”

He’s also enjoying hands-on learning in the Finance Trading Lab, and a variety of assignments that link theory to real-world issues. “We’re constantly applying what we learn to make sense of global trends, exchange rates, and fiscal and monetary policy – and how those play out in real time.”

For example, one assignment compared the NZ Reserve Bank’s response to the Covid-19 pandemic versus the 2008 Global Financial Crisis - what worked and what didn't. “It struck me how those lessons continue to shape the financial landscape today.”

Darren is inspired by the regular case studies on fintech companies. “They’ve pushed me to collaborate with my classmates and think critically about how fintech operates in the real world. There’s such a great mix of perspectives, which makes for richer discussions and better teamwork.”

Alongside this, he's building practical financial skills in risk assessment, cash flow analysis, and investment decision-making — essential for careers in fintech, digital payments, or peer-to-peer lending.

Darren greatly values the supportive learning environment at Waikato.

“It’s a really motivating place to study. The lecturers are approachable and genuinely passionate, which makes a big difference in how comfortable I feel asking them questions. I feel like I’m building the knowledge and skills I need to make a real difference in the future of finance.”