Cogo is an impact-led fintech whose sustainability solutions of carbon tracking API and consumer app enable hundreds of millions of individuals and businesses worldwide to measure, reduce and compensate for their impact on people and the planet. Kaz Udagawa joined Cogo at the Japan subsidiary establishment timing and is running the Japan business. Kaz came from a payment/credit card business, previously working for various positions in Amex, Citibank, Mastercard, and Diners Club.