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Our Team

Gen Advisory comprises a friendly and collaborative team of professionals. We embrace diversity and inclusion.

Our aim is to maintain a positive environment in which each of our team members feels valued.


Michael Lukman

Founder & Managing Director

Michael is the founder and Managing Director of Gen Advisory Pty Ltd. He brings 20 years’ banking regulation and advisory experience.

Michael started his career at Ernst & Young in 2000, providing corporate finance advice to a range of multi-national banks. Following a 2-year stint with the National Australia Banking (NAB) Group, Michael spent 7 years as a banking regulator with the Australian Prudential Regulation Authority (APRA).

From 2014 to 2018, Michael was the Australian Government aid program’s (AIPEG’s) Financial Sector Regulation and Supervision Adviser.


Michael holds a Bachelor of Commerce and Masters in Accounting from Monash University (Melbourne, Australia). Michael also holds an Executive Certificate in “Rethinking Financial Inclusion” from the John F. Kennedy School of Government, Harvard University (Cambridge, USA).


Scott Middleton is Gen Advisory Pty Ltd’s General Manager. His responsibilities include: stakeholder relations; accounting and finance;  and general operations.

In a career spanning over 35 years, Scott has managed the interests of a wide and diverse range of stakeholders.

Scott has over 25 years’ accounting experience. He is a keen cyclist and member of several cycling groups in Sydney.

Scott Middleton

General Manager

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Tony Zabel is Gen Advisory Pty Ltd’s Manager for Financial Services. His technical focus areas include: CDR implementation; RegTech, and ACL/AFSL licensing, among others.


Prior to joining Gen Advisory, Tony had worked for three years in corporate and private banking.

Tony holds a Bachelor of Arts (majoring in Finance) from the Berlin School of Economics and Law. He is currently studying towards a Master of Finance at the University of New South Wales (UNSW), with a specialisation in FinTech. 


Tony has a keen interest in DevOps and how to apply unsupervised learning in finance. His hobbies include golf and soccer.

Tony Zabel

Manager for Financial Services

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Eleni is Gen Advisory’s Graphic Designer and Events Manager. Her primary role is to convert Gen Advisory’s technical reports into visually-appealing content for our readers. 

Additionally, Eleni is responsible for website maintenance and events management.


Eleni has a Bachelor of Visual Communication from the University of Technology, Sydney (UTS). Her hobbies include painting and board games.

Eleni Aroney

Graphic Designer

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Fitria is our firm’s Adviser on financial inclusion and equality. Her role: To examine how ADIs and FinTechs can contribute to reducing financial exclusion in Australia.

To date, Fitria has authored a series of reports on topics including: how ADIs and FinTechs can contribute to reducing the gender pay gap in Australian financial services; how ADIs and FinTechs can support older workers; and women’s financial inclusion, among others.


Fitria has a Bachelor of International Relations degree from Abdurrab University, Indonesia. Her hobbies include reading and baking.

Fitria Susanti

Adviser on Financial Inclusion 

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Fachry Ali is our firm’s Adviser on FinTech. His role: To help ADIs and FinTechs achieve greater collaboration.


Fachry has authored several reports which examine in detail the FinTech industries of selected overseas jurisdictions.


Fachry has a Bachelor of Engineering degree from Persada University, Indonesia. His hobbies include photography and graphic design.

Fachry Ali

Adviser on FinTech


Anthony Schilt is Gen Advisory’s Research Analyst. 

Anthony has been tasked with conducting research into the latest international developments in sustainable banking and sustainability-linked loans.


Anthony is a student at the Ohio State University, pursuing a Bachelor’s degree in business administration with a concentration in finance. Anthony is also involved in FinMango, a US 501(c)(3) non-profit organisation. On campus, Anthony is the vice-president of marketing for FinMango at Ohio State. 


Anthony’s interests include: Spanish language and culture; photography; and exercising.

Anthony Schilt

Research Analyst