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Justin K.F. Ma has a diverse work experience, with their most recent position being the Co-Founder of KPay Merchant Service since 2021. Prior to that, they served as the Founder & CEO of Yulan Group Limited starting from 2020. Justin K.F. also held the role of Head Of Hospitality and Business Development at Tai Sang Land Development Limited, starting in 2016. In addition, Justin was involved in the establishment of ChargeSpot - Global, where they served as a Co-Founder and Angel Investor from 2018.

Justin K.F. Ma pursued their Bachelor of Science degree in Hospitality Administration/Management, which they obtained from the University of San Francisco. Justin K.F. attended this university from 2011 to 2015.

Additionally, in 2011, Justin briefly studied Career Discovery in Architecture at The University of Hong Kong.