With 27 years of experience in financial services, Nasir Zubairi is a seasoned Fintech leader who established and leads The Luxembourg House of Financial Technology (LHoFT) Foundation. This not-for-profit organization serves as Luxembourg's national platform for financial services digitalisation.

Nasir's career began in the front offices of major financial institutions such as ICAP, HSBC, and EBS, culminating in his role as Director of High Frequency Trading (HFT) at RBS London. In 2011, Nasir made a strategic shift to Fintech, where he has been spearheading the creation and expansion of ventures in banking, lending, and payments.

Having worked across eight countries in the Americas, Europe, and Asia, Nasir brings a broad international perspective. Since moving to Luxembourg in 2016, he has taken on council roles at the British Chamber of Commerce and the British-Luxembourg Society, and has served as a Non-Executive Board Director at SEB S.A, the Scandinavian bank, and at the International School of Luxembourg (ISL). In 2022, Nasir was honoured with the "Officier de l'Ordre Mérite du Grand Duché de Luxembourg" for his economic contributions to the Grand Duchy.

Nasir, an alumnus of the London School of Economics and a Sloan Fellow from the London Business School, is dedicated to fostering global financial growth and innovation. His insights have been highly valued as part of Christine Lagarde’s advisory council for finance and technology at the IMF, and on the Blockchain expert policy advisory board at the OECD.

Helen Child is the Founder and CEO of Open Banking Excellence (OBE), the world’s leading community of Open Banking and Open Finance pioneers. A visionary in financial innovation, Helen connects changemakers globally to foster collaboration and maximise the impact of Open Banking and Open Finance. With a legacy of innovation rooted in her family’s 400-year history in banking, Helen’s journey includes founding the UK’s first e-Money Licence Issuer to be awarded licences by Mastercard and Visa. She has played a pivotal role in the development of the UK’s Open Banking ecosystem and has become a global ambassador for the movement, advising governments and regulators in emerging markets like Brazil and Saudi Arabia.

A passionate advocate for financial inclusion and gender equality, Helen continues her family’s tradition of breaking barriers and driving change. She is also a founding member of Lancaster University’s InfoLab and remains a trusted advisor in shaping financial ecosystems worldwide. Helen’s work inspires innovation and promotes collaboration across the financial services industry.

Ronit runs the Future of Finance team in Citi Global Insights, Citi’s thought leadership unit. The team is focused on the intersection of the future of money, finance and emerging tech. It provides analysis and advice to Citi’s clients and the bank’s leadership. Prior to his current role, Ronit was Citi’s Global head of Banks and FinTech Research. Alongside his Citi role, Ronit is an Advisory Board member of the Financial Technology Centre at Imperial College Business School in London and at several technology firms and early-stage VC investors based in the U.K., Asia, Middle East & Africa. Before joining Citi in 1997, Ronit worked in the policy world, including as a Research Assistant for a former UK Prime Minister. Ronit's new book “Future Money” was published in 2024.

Maja Pantic is a globally recognised expert in generative AI and affective computing. As Generative AI Research Director at Meta, she leads groundbreaking advancements in AI technologies, shaping the future of human-machine interactions. Alongside her industry leadership, she is a Professor of Affective and Behavioural Computing at Imperial College London, where she has been at the forefront of research on emotion recognition and AI-driven behavioural insights for over a decade. Previously, she held key roles at Samsung’s AI Centre and as AI Scientific Research Lead at Facebook, where she advanced AI applications in diverse fields. With a PhD in Computer Science and a distinguished academic and professional career, Maja’s contributions have been pivotal in bridging cutting-edge AI research with practical applications. Her work continues to inspire innovation in the intersection of technology and human behaviour.

Sam Tanskul is the Managing Director of Krungsri Finnovate Co., Ltd., the innovation investment arm of Krungsri, focusing on advancing technological investments in Thailand and across ASEAN. With over 15 years of experience in the financial sector, Sam brings significant expertise in product management and innovation, having worked with industry leaders like UOB, GE Capital, and Krungsri Consumer. Since 2014, Sam has been instrumental in shaping Thailand’s startup ecosystem. He played a pivotal role in launching the ‘Krungsri Uni Startup,’ a platform empowering young innovators to develop financial mobile applications, and ‘Krungsri Rise,’ Thailand’s first fintech corporate accelerator. Currently, Krungsri Finnovate under his leadership emphasizes three key areas: accelerator and academic collaboration, startup project management, and corporate venture capital. Sam is also an active board member of the Thai Fintech Association.

John Kane is the Chief Innovation Officer at Tyme, where he has been instrumental in driving cutting-edge innovation and strategic growth across digital banking solutions since 2019. Based in Singapore, John spearheads initiatives that enhance financial inclusion and digital transformation, shaping Tyme's footprint in emerging markets. With a career spanning over two decades, John has held senior leadership roles at Commonwealth Bank, Tyme Digital, and Standard Bank, where he played a pivotal role in operational excellence and customer-centric innovation. He is recognised for his expertise in retail banking, business analysis, and digital transformation. His insights and leadership continue to inspire innovation in financial services, making him a sought-after thought leader in the industry.

Naveen Mallela is the global co-head of Kinexys, a blockchain infrastructure platform that aims to revolutionize the way money, assets, and financial information are transferred. It offers a range of solutions to automate complex financial operations and unlock the potential of tokenization. He is one of the founding members of Onyx and a builder of cornerstone products such as JPM Coin, Programmable Payments. A keen enthusiast of all things digital currency, Naveen has authored white papers on CBDCs, shared ledgers and deposit tokens, and has been part of multiple industry initiatives shaping the landscape of digital money. Prior to founding Onyx, Naveen held several roles at J.P. Morgan, including APAC Head of Digital, Payments.

Ravindra Kumar is the Head of Fintech & Emerging Technologies at OCBC. He is responsible for driving adoption of emerging technologies and ecosystem partnerships to uplift technology architecture, drive innovation and build future-ready workforce. With over two decades of experience, he has been involved in range of digital transformation efforts across business lines, including retail banking, wealth, risk management and technology. Ravi holds MBA from University of Oxford, UK and Bachelor of Computer Science from University of Pune, India.

Axel Winter is a highly experienced technology leader with strong hands-on experiences in the banking, retail and start-up worlds. He was previously Global Head of Enterprise Architecture & Technology Strategy for Standard Chartered Bank and had similar roles at GE Money and Cisco Systems. He has consulting experience at Accenture and Deloitte and has recently founded a corporate start-up partnering with Grab and JD.Com. He is currently the Chief Digital Officer for a luxury mall operator and advises start-ups in asset tokenization and eCommerce. His expertise in technology infrastructure for banks and large businesses makes him a valuable contributor.

Steve Monaghan is a distinguished innovator and executive in financial services and technology. He is a General Partner at FinMirai and holds board positions at Rakbank and other firms. Steve has led innovation at major financial institutions like DBS Bank and AIA, overseeing significant investments in digital banking and AI. He founded innovation groups that drove advancements in payments, big data, and SME services, and managed over $220 million in tech-focused investments. With six patents to his name, including in mobile payments and digital banking, Steve's expertise spans corporate leadership, fintech, and digital transformation. He is a private investor in quantum computing, artificial intelligence, life sciences, healthtech, and fintech. His role on the investment committee at True Global Ventures further highlights his commitment to pioneering technologies like quantum computing and AI, making him an authoritative voice for the AI Masterclass.

David Gee is a distinguished former Global Head of Technology, Cyber, and Data Risk at Macquarie Group, celebrated for his transformative leadership across multiple industries and geographies. With over 25 years at the helm as CIO and CISO, including pivotal roles at HSBC Asia Pacific and MetLife, David has been instrumental in driving major digital transformations. He is notably recognized as the CIO of the Year 2014 for his strategic overhaul at Credit Union Australia, significantly enhancing their core and digital banking platforms. His latest book, The Aspiring CIO & CISO, published in July 2024, is a comprehensive guide for emerging leaders aiming to excel in top IT roles, offering strategies to develop leadership skills, build personal brands, and navigate executive challenges effectively.

Varun Mittal is a leading innovator in digital finance and insurance with over two decades of experience driving transformation across Southeast Asia. As Chief Innovation Officer at Singlife, he spearheads groundbreaking initiatives in AI integration, product innovation, and ecosystem partnerships. He has established Singlife’s Artificial Intelligence Center of Excellence and developed innovative financial solutions for underserved segments, including gig workers and SMEs. Before Singlife, Varun played pivotal roles at EY as global emerging markets fintech leader and led regional payment solutions for Samsung and Singtel. He has been involved in various technology companies throughout his career and he is co-founder of the Singapore FinTech Association and ASEAN FinTech Network. He is also the founder of Fintech Nation™, a platform supporting Singapore’s fintech community, and an accomplished author with publications highlighting Singapore’s evolution as a global fintech hub.

Frankie Shuai is the APAC Chief Information Security Officer (CISO) at DWS, Deutsche Bank Asset Management, with over two decades of experience in Financial and IT industries. As a seasoned leader, he previously directed cyber and technology risk at UBS for Singapore, Australia, and New Zealand, and has held positions at Citibank, Microsoft, and HP. Frankie is renowned for bridging the gap between cybersecurity and business agendas, evidenced by his frequent speaking engagements at industry events. His commitment to digital transformation and innovation is underscored by a patent for next-generation wireless networking filed with the United States Patent and Trademark Office, where he serves as the sole inventor. In his current role at Deutsche Bank Asset Management, he leads regional Information Security, contributing significantly to the institution's cybersecurity resilience.

John Medina is the Chief Operating Officer of the Philippine Bank of Communications. He has more than 25 years of experience driving innovation, change and transformation for financial services in different countries.

He was a pioneer in the process and technology management practice in the 1990s when he helped transform the Asia Pacific operations of one of the largest multinational banks. He subsequently established a private consulting firm in the United States, helping design new digital business initiatives for financial institutions and startups.

Prior to joining PBCOM, he was the Head of Global Operations, Technology and Credit for the Philippine National Bank. He was also the Integration Director who oversaw the merger of Philippine National Bank and Allied Banking Corporation in 2013. Medina also worked at Union Bank of the Philippines where he conceptualised and implemented digital banking products and services.

Sandeep Sethi is a seasoned financial services professional specialising in corporate banking and corporate treasury advisory in Asia-Pacific. He is a certified expert in Sustainable finance and a winner of sustainable finance leadership award and also holds a specialist certificate in Green Finance and Sustainability from Hong Kong Institute of Bankers. Sethi is a frequent speaker at business forums across APAC and co-chairs the GreenTech and ESG Committee in the Fintech Association of Hong Kong. He is CEO of Sustainable Solutions (SS) Consulting Limited, a consultancy specialising in sustainable solutions for financial services firms and corporate treasuries. As International Resource Director and Contributing Editor for The Asian Banker, he has written on a vast spectrum of topics including ESG, corporate treasury, fintech, banking, decentralised finance and digital assets. In the past, Sandeep has held leadership roles across corporate banking, cash management and transaction banking operations in a top global bank. Sandeep was recognised as the ‘Best Relationship Manager’ by The Asset Magazine in 2020.

John Wong oversees Hang Seng Bank’s wholesale banking cash management, encompassing sales, product management, digital banking channel development, and client implementation. With over 30 years of banking experience, primarily in transaction banking, John is recognized for his substantial contributions to business growth and transformation. Before his tenure at Hang Seng Bank starting in 2015, he spent 25 years at Standard Chartered in Hong Kong and China, spearheading significant change management initiatives. His leadership extends across the Asia Pacific, with professional stints in China, Hong Kong, and various APR countries, showcasing his ability to navigate multi-cultural environments effectively. In 2018, he was honored as Transaction Banker of the Year by The Asian Banker.

Shekhar Bhandari is President of Global Transaction Banking at Kotak Mahindra Bank and is responsible for Technology, Digital, P&L on Trade, Foreign Exchange, Investment and Supply Chain Finance, International Trade Finance, Domestic and cross border payments culminating into liquidity and working capital solutions for the entire bank. With over 25 years of experience, he has held diverse positions of increasing responsibility across the group. He is instrumental in making Kotak synonymous with innovative and customized solutions, the latest addition being Kotak FYN - a new enterprise portal that offers comprehensive digital banking and value-added services across all products, including trade, account services, payments and collections. Bhandari is passionate about technology, and endeavors to make Banking “Simple and Fast”. Under his stewardship, the bank has strengthened capabilities in Blockchain, Artificial Intelligence (AI), Internet of Things (IoT), Digital Signatures, Open banking, machine learning, and data analytics.

Gregory Hendra Lembong, oversees the Transaction Banking Director, Finance & Corporate Planning Director, and manages the Operational – Services Strategy and Development Division along with Strategic Information Technology. Additionally, he supervises the progress of PT Central Capital Ventura and PT Bank Digital BCA, both subsidiaries operating in venture capital and digital banking respectively. Over the course of his career, he has gained substantial expertise across diverse domains, encompassing IT transformation strategy and implementation, transaction banking, global trade finance, corporate cash management, regional strategy, planning, and product management.

John Medina is the Chief Operating Officer of the Philippine Bank of Communications. He has more than 25 years of experience driving innovation, change and transformation for financial services in different countries.

He was a pioneer in the process and technology management practice in the 1990s when he helped transform the Asia Pacific operations of one of the largest multinational banks. He subsequently established a private consulting firm in the United States, helping design new digital business initiatives for financial institutions and startups.

Prior to joining PBCOM, he was the Head of Global Operations, Technology and Credit for the Philippine National Bank. He was also the Integration Director who oversaw the merger of Philippine National Bank and Allied Banking Corporation in 2013. Medina also worked at Union Bank of the Philippines where he conceptualised and implemented digital banking products and services.

Tuan is an innovative and proven technology leader with P&L accountability and a wealth of experience spreading across the banking, fin-tech, insurance, high-tech, and energy sectors. He works across three continents: the US, Europe, and Asia. This diversified understanding has allowed him to be culturally sensitive, empathizing with different cultural expectations, and effectively leading transformation leveraging each of the regional strengths.

During his tenure as Chief Information Officer at Technological and Commercial Joint Stock Bank (Techcombank) and as a Board Advisor to Vietnam's CIO community, he revolutionized the country's technology landscape. Techcombank became the first financial institution to fully embrace a "Cloud First" strategy, pioneering comprehensive cloud migration. Additionally, under his guidance, the bank led the charge in digital transformation, simplifying customer experiences across retail and commercial channels with a unified platform. He championed an agile work culture, breaking down traditional hierarchies and fostering innovation. Through his focus on engineering excellence, simplicity, and continuous learning, he drove a cultural shift, placing people at the forefront of Vietnam's banking sector evolution.

Kevin is the CEO (Hong Kong) of DigiFT, a global group, licensed by the Monetary Authority of Singapore (MAS) as a Real World Asset (RWA) issuer institution. Backed by well-established venture partners, DigiFT is authorised to provide financial services for primary market origination and distribution as well as secondary market trading of asset-backed tokens. Kevin brings a unique cross-over investment and technology pedigree. He is a recognized early adopter and investor of both Bitcoin and related DLT technology since 2016. As an advocate for professional standards across the digital asset landscape and an active thought leader providing education, he aims to market development and regulatory policy consultation.

Leveraging two decades of traditional finance experience, has previously co-founded and served as CIO of various digital asset active and passive fund strategies, helping to oversee treasury and asset management services for various investor types.

Further, he has held various professional investment positions with PIMCO, Fidelity International, and BNP Paribas in London and Hong Kong, and has an established institutional track record within global debt markets, including Liability Driven Investing (LDI), Global Bonds, EM Debt and Asia Credit and FX. Additionally, he is a mentor to the Cyberport Incubator Fund providing strategic and technology advisory to portfolio start-ups.

Anthony Lin, appointed head of transaction banking asia and global head of market management in March 2024, has had an extensive career in banking spanning over 25 years. Previously, Lin served as CEO of the Greater Bay Area at Standard Chartered from 2020, overseeing the bank's operations in the region. Before this, he was CEO of Standard Chartered (Taiwan) from March 2017. His earlier roles include president of Bank of America (China) where he was responsible for governance, strategy, and franchise development, and EVP at Deutsche Bank (China), heading corporate banking coverage and trade finance and cash management. Lin began his career at Standard Chartered in 1995 as a management trainee, ascending to managing director, head of transaction banking for China. His leadership excellence was recognized in 2012 when he was named “Leading Talent in Shanghai” by the Organisation Department of Shanghai Municipal Party Committee, and he received the "Elite Foreign Bank Trade Finance Manager Award" from the Credit Rating Centre, Ministry of Commerce.

Zhixian Li is the General Manager of Digital Payment Technology at Ant International. Li has been with Ant Group and Ant International for over 7 years and has been leading multiple mobile wallet investment & collaboration initiatives across Asia, the Middle East, and Africa regions. With Ant’s technology, Li and his team collaborated with Telecom and banking partners to develop their e-wallets and help grow into leading Super Apps in local markets. He has over 20 years of experience in card payment, mobile payment, and digital services with systematic business understanding and industry insights. Before joining Ant, Li worked with UnionPay International as General Manager of its Africa Branch.

Ma-an brings over two decades of extensive experience in cash management and transaction banking, having held diverse roles across product management, client service, implementation, and operations.

Currently, Ma-an serves as the head of the Domestic Payables Team within the HSBC Asia Pacific Global Payments Solutions (GPS) Product Team. In this capacity, she spearheads the development and execution of the electronic domestic payments strategy for the region. Over her tenure of more than five years in this role, Ma-an has significantly expanded HSBC's Real-Time Payments footprint across the Asia Pacific region, increasing its market presence from 4 to 15 markets. Her leadership has been pivotal in driving remarkable volume growth for the product. Additionally, she has been instrumental in modernizing the bank's payments infrastructure to accommodate emerging new economy entities.

Prior to her current position, Ma-an held roles in managing Receivables products, both regionally and globally. During this time, she played a central role in developing receivables product solutions and propositions that laid a solid foundation for the bank's current leading capabilities in this area.

Before joining HSBC, Ma-an gained valuable experience in the cash management field through her tenure at two prominent local banks in the Philippines: UnionBank of the Philippines and Bank of the Philippine Islands.

Divyesh is Group Chief Transformation Officer at Standard Chartered Bank (StanChart), based in Singapore. In this role, he will spearhead the acceleration of StanChart’s strategic execution, focusing on enhancing the bank’s capabilities and transforming it into a more client-centric digital institution. Before joining StanChart, Vithlani served as the Senior Managing Director and Southeast Asia Market Unit Lead at Accenture, where he dedicated over five years. His tenure at Accenture also included a pivotal role as the Managing Director of Financial Services, showcasing his expertise in the sector. Prior to his successful stint at Accenture, Vithlani accumulated extensive experience at SMARC Consulting and Credit Suisse, among other notable positions.

With over 25 years of experience in banking and financial markets, primarily in investment banking, Vithlani has a wealth of knowledge and a proven track record across Europe and the Asia Pacific region. His strategic vision and leadership are expected to significantly contribute to StanChart’s transformation into a leading digital banking institution.

Edwin is the Chief Operating Officer at Mox, overseeing Mox’s overall operations. As the first Mox-grown C-Suite executive, Edwin joined the bank as Head of Strategy and Corporate Affairs in 2018 and was part of the founding team. In this capacity, he played a crucial role in the bank's launch, including setting up the joint venture partnerships and shaping the Strategy, Partnerships and Corporate Affairs function. Edwin is passionate about driving the growth of the banking industry in Asia and believes that virtual banks will be a game changer in Hong Kong.

Prior to joining Mox, Edwin was Managing Director, Regional Head of Investor Relations for Standard Chartered, overseeing external engagement with institutional investors, equity research analysts and rating agencies in Asia. Immediately prior to this role, Edwin was an equity research analyst at bank of America Merrill Lynch, covering Hong Kong and Chinese financials. He started his career with Standard Chartered in 2003 as a management trainee.

Angelia Chia specialises in trade and supply chain finance, covering everything from traditional trade products to open account transactions. With over 25 years of experience, she adeptly manages the origination to distribution of risks, advises on disputes, and understands the implications of jurisdictional differences on industry rules, such as UCP600 and URDG758, laws on the assignment of financial assets, negotiable instruments, and security enforcement.

Angelia's unique expertise is enriched by her previous in-house roles at Cargill, JPMorgan, and Standard Chartered, where she was the global head of legal for trade. This background enables her to offer comprehensive, end-to-end legal advice that navigates the complex interplay of laws, regulations, industry standards, and organizational operations.

Kelvin Teo is the co-founder and Group CEO of Funding Societies | Modalku. He has been a key member of the Singapore FinTech Association’s Digital Finance Subcomm since 2018 and recently named by the Association as among the Top 12 Fintech Leaders in Singapore in 2020. As one of the Top 200 FinTech Influencers in Asia, Teo has spoken at major conferences such as LendIt Shanghai, Boao Hainan and Money20/20. He has also been featured on Bloomberg, BBC and Business Times. Prior to this, Teo served as a consulting professional at KKR, McKinsey and Accenture.

Geetika Chopra is a Chartered Accountant with over 20 years of experience, primarily at Oracle, where she leads product management for insurance and banking applications that target accounting standards. She possesses extensive knowledge in risk management for banks and insurance companies, which she has leveraged to develop industry-leading solutions for financial disclosures and risk mitigation. In addition to products aligned with accounting standards, she has also pioneered a service focused on climate change analysis and reporting, complying with ISSB, ESRS, and SEC guidelines.

Ronald Young leads the origination and structuring of sustainable finance transactions and develops innovative impact finance solutions across North, Southeast, and South Asia. He has completed landmark green, social, sustainability, and sustainability-linked transactions across various sectors and asset classes, including several first-of-a-kind deals in the region. He is also involved in creating finance solutions that scale up new business models with positive environmental and social impacts.

Young is an active member of the sustainable finance community, contributing to market standards and taxonomies through participation in government and industry association working groups. He has over 17 years of experience in structured finance and principal investing in renewable energy, infrastructure, and natural resources across Asia Pacific, the Americas, Europe, and the Middle East. Previously, he was a senior member of Societe Generale’s Energy Finance and Advisory team.

As Visa Direct's Head of Bank & Remitters Business Development, Eric drives sales growth by collaborating with Account Executives and regional teams to engage decision-makers and establish cross-border payment programs. His leadership also focuses on optimizing existing initiatives for maximum scalability. Previously, Eric served as Head of Transaction Banking for North Asia & Greater China at ANZ Bank in Hong Kong, amassing extensive expertise across the Asia region. His tenure included leading teams in digital banking innovation and implementing payment solutions for ANZ and ABN Amro clients. With over two decades in banking, Eric's leadership spans diverse markets, including Singapore, Sydney, and Taiwan, across international and pan-regional institutions like ANZ and ABN AMRO.

Jody Aldridge built a career focusing on at scale technology and is currently leading expansion as the growth director in APAC for Currencycloud, a foreign exchange and cross-border payments company recently acquired by Visa. Before moving to Singapore, Aldridge spent 7 years at Currencycloud in the UK supporting pioneering fintechs and banks around the world to launch innovative cross-border payment solutions to empower the global population. Prior to joining Currencycloud, he spent 9 years working within network security solutions, IT managed services and cloud computing infrastructure across both UK and global companies, helping organisations to scale their infrastructure needs.

Serena Mak currently provides strategic direction and guidance on sustainable finance transactions while also fostering a culture of sustainability within DBS Bank. Prior to joining DBS, Serena was the head of ESG Funding Asia for Home Credit, where she successfully contributed to the group’s sustainability-linked financing in Asia. She also held several positions at Goldman Sachs in Singapore and Hong Kong, with a focus on liquidity management across the APAC region.

Serena holds a Master of Science degree in Financial Analysis as well as a Bachelor of Business Administration degree in Global Business & Management of Organizations from the Hong Kong University of Science and Technology. She is a Certified ESG Analyst (CESGA), CPA (Australia), and FRM. Serena also serves as Board Governor and Honorary Secretary at Friends of the Earth (Hong Kong) and is on the examiner team for the Certified ESG Analyst (CESGA) program by the European Federation of Financial Analysts Societies (EFFAS).

Sunil Mascarenhas has been part of Asian Development Bank’s (ADB) Trade and Supply Chain Finance Program since 2019. He oversees the Supply Chain Finance Program (SCFP), focusing on maximizing transaction volumes through global bank partnerships, delivering exceptional client service, and maintaining rigorous risk assessments. Mascarenhas is also dedicated to expanding supply chain finance in new developing markets, assisting local banks in launching these services to support SMEs. With a career in banking that began in 1998, Sunil has extensive experience across commercial banking, and risk management, previously working at the Hongkong and Shanghai Banking Corporation (HSBC) in various international roles.

Anand Ramachandran, as vice president, is the global head of banking solutions at Oracle Financial Services. With over 25 years of experience, he has worked closely with senior executives, including CXOs from 30 of the top 50 banks worldwide. His expertise lies in providing business solutions that help both global and regional banks as well as financial institutions innovate and enhance operational efficiency. He advises on adopting the right architectural frameworks and paths for progressive transformation, enabling banks to capture new opportunities, reduce costs, and expand market share. Anand has been instrumental within Oracle in championing the adoption of ISO 20022 within the Oracle technology stack.

Frankie Wai is the Business Solution Director of Temenos, defining the APAC region's solution strategy and advising on cutting-edge banking solutions. With a passion for innovation, Frankie has crafted the digital banking architecture for a virtual bank in Hong Kong and continues to drive solutions for digital bank licensees across the Asia Pacific region. As an active speaker, Frankie has shared his insights on transformative banking technologies at events such as The Asian Banker, Singapore Fintech Festival, and Temenos Regional Forums. Frankie's publications covered diversified topics, including virtual banking, open banking, composable banking services, innovation, and carbon trading.

Nelson Chan is the Head of Banking Go-To-Market for Asia-Pacific and Japan at Amazon Web Services (AWS). He brings 20 years of experience in banking, strategy consulting, and cybersecurity from Hong Kong, Singapore, and Australia to help customers accelerate their digital transformations and launch new ventures.

Before joining AWS, Nelson led digital transformation and strategic initiatives at Standard Chartered Bank, ANZ Bank, and BankWest in national, regional, and global roles for business strategy, product management, digital banking, and digital transformation. In banking, he has helped CXOs at the board level with their HR strategy, IT strategy, fintech landscape assessment, and approval to launch a new digital bank. Before his banking career, Nelson held technology-focused roles in strategy consulting and in the Australian Federal Government

Arvind Swami has been part of the FSI community, in various regional and global roles, for the past 22 years. He has worked for strategic platform vendors like Temenos, Oracle Financial Services, and SAP, where he was involved in large transformational programs globally.

Through multiple customer engagements, Arvind has seen that the financial institutions that have embraced Open Architecture and driven innovation through Open Source have been able to offer better customer engagement and experience. In his current role, Arvind leads the FSI vertical for Red Hat in the APAC region, working with Financial Institutions, to help them become more agile and respond to dynamic business needs, leveraging open-source technologies.

Jonathan is a seasoned business leader with over 15 years of experience in the information technology and financial service industry. He has worked in Visa for around 4 years and is based in Shanghai. Before Visa, Mr. Wang assumed various leadership roles at Amazon, PayPal and IBM, specializing in products, strategies and innovations.

As Head of Commercial & Money Movement Solutions for Visa Greater China, Jonathan Wang currently oversees Visa’s commercial cards and money movement business in the Greater China Region, including P&L management, sales, product & solution and go-to-market strategy.

Terence Tan leads the Growth and Sales Strategy team for Treasury Services Asia Pacific at BNY Mellon. In this role, he works closely with the relationship management and business development team in APAC to drive business growth and is responsible for sales practice management and overall sales strategy. Before this, he was a relationship manager covering a portfolio of clients in non-bank financial institutions and ASEAN banks.

Terence has over a decade of experience in Transaction Banking across global and regional banks. Prior to joining BNY Mellon, he was the Singapore product lead for its merchant acquiring solution within Treasury & Trade Solutions at Citibank. He was also a pioneering member of the Working Capital Advisory team at DBS Global Transaction Services where he successfully developed and launched its award-winning innovative working capital benchmarking sales tool and mobile application.

Sandeep is an experienced Corporate and Transaction Banking Professional with over 27 years of experience across multiple countries, with the majority of that time spent in Hong Kong as the Asia-Pacific Relationship Manager for Top Global corporates. He has held leadership positions, leading cross-country and cross-functional teams in Corporate banking, Cash Management, and transaction banking operations. In his previous banking role, Sethi served as the Managing Director, Regional Corporate Coverage and APAC Coverage Sector Head for Diversified Industrials and Chemicals at Deutsche Bank. Currently, he is focusing on financial services solutions consultancy and corporate treasury advisory with a specific focus on the APAC region, leveraging his comprehensive understanding of Asia's diverse jurisdictions. Sethi is a certified expert in Sustainable finance from the Frankfurt School of Management and has also completed courses in leadership and fintech from prestigious universities such as the National University of Singapore and the London Business School.

Lito Villanueva is the Philippines’ award-winning thought leader on digital transformation and inclusive digital finance at scale. As the Executive Vice President and Chief Innovation and Inclusion Officer at RCBC, he has spearheaded the bank's digital revolution, driving groundbreaking and award-winning innovations. Under his leadership, RCBC has been recognised as Asiamoney’s Best Bank for Digital for four consecutive years (2020-2023), while also receiving accolades such as Gartner’s Eye for Innovation and YouTube’s Challenger award, among others.

Villanueva's influence extends beyond RCBC, earning him prestigious titles and recognitions. He was recently named the Philippines’ Innovator of the Year for Banking in the Asian Management Excellence Awards and received the Outstanding Achievement for Marketing Management in the Agora Awards, known as the ‘Oscars’ of Philippine marketing. His accolades include being a two-time Circle of Excellence awardee at the Asia CEO Awards, PhilSec’s Digital Leader of the Year, and "Mr. FinTech of the Philippines" by NewsBiz Asia. In 2023, he was recognised as one of LinkedIn's Top 100 Filipinos, Top 30 Leaders in the Philippines, and a Top Finance Leader under the LinkedIn Leadership Catalysts Awards. As the Founding Chairman of Fintech Alliance.PH and Global Chairman of the Alliance of Digital Finance Associations, Villanueva continues to shape the digital finance landscape, cementing his legacy as one of Asia's most prominent fintech leaders.

Belinda Han is the Managing Director and Head of Transaction Banking Asia-Pacific at MUFG Bank, where she leads strategy, sales, client delivery, and product development across 18 markets in ASEAN, East Asia, Oceania, and South Asia. With over 24 years of experience in transaction banking and trade finance, Belinda has held pivotal leadership roles at Standard Chartered Bank and Deutsche Bank, driving growth and innovation in Greater China and North Asia. Her career began at HSBC China, where she gained extensive expertise in global and commercial banking across mainland China and Hong Kong. Belinda’s deep understanding of transaction banking and her leadership in shaping innovative financial solutions make her a respected figure in the industry.

Norbert Gehrke is the Founder and Representative Director of the Tokyo FinTech Association, a leading non-profit organisation dedicated to advancing Japan’s financial technology sector. With over 20 years of experience in global finance, Norbert has played a vital role in bridging traditional financial services with emerging fintech innovations.

He previously held senior roles at Deutsche Bank, Goldman Sachs, and Barclays, where he specialised in investment banking, risk management, and digital transformation. His extensive experience equips him with a deep understanding of the evolving financial landscape and the impact of technology on the industry.

As a recognised thought leader, Norbert frequently speaks at international conferences, offering insights on fintech, blockchain, and digital assets. Under his leadership, the Tokyo FinTech Association has become a key platform for collaboration between startups, regulators, and established financial institutions.

Megat Mohamad Faisal Khir Johari serves as the Chief Technology Officer and Executive Vice President at Bank Muamalat, leading the bank's digital transformation and technology strategy. With over 20 years of experience in IT leadership, he drives the adoption of advanced technologies to optimise operations and enhance customer experience.

A specialist in fintech, digital banking, and cybersecurity, Megat has been instrumental in modernising Bank Muamalat’s technology landscape, ensuring seamless integration of Shariah-compliant financial services.

He has held key roles in leading financial institutions and technology firms, managing large-scale IT projects and driving digital innovation. As a certified Professional Technologist (Ts.), Megat actively contributes to Malaysia’s digital banking advancements through industry forums and initiatives. His visionary leadership continues to position Bank Muamalat at the forefront of Islamic banking innovation, supporting financial inclusion and operational excellence.

Chia Geh Yeng is a versatile leader with extensive experience across 10 industries, including banking, insurance, fintech, FMCG, and consultancy. Over the course of his career, he has held various leadership roles, including managing P&L, driving transformation, and launching new entities from the ground up.

His expertise spans Consumer, Transaction, and Business Banking, Investment, Payment (Cards), Stockbroking, and more. Geh Yeng’s career has taken his around the world, with work experience in the USA, China, France, Singapore, Vietnam, Indonesia, and Malaysia, having held over 20 roles in diverse job families. Chia Geh Yeng was named a Global Talent by Citibank and awarded Excellent Employee in 2022 by a Chinese fintech company.

Rafiza Ghazali is a seasoned leader with over 25 years of experience in strategy, finance, banking, and digital innovation. She currently serves as the Director of Digital Banking at KAF Investment Bank, where she oversees the development and operationalisation of the bank's retail/consumer digital banking platform. Her role involves driving fintech adoption, enhancing customer experience, and spearheading innovative solutions to meet the evolving needs of the financial services sector.

Previously, Rafiza was the Group CEO of Cradle Fund, where she played a pivotal role in transforming Malaysia's early-stage funding and venture capital landscape. Her extensive C-suite experience spans multiple sectors, including consumer products, energy, property, and media, where she has consistently driven growth, governance, and sustainability.

Passionate about financial inclusion and digital transformation, she is committed to fostering collaboration, diversity, and excellence within teams and the broader community.Her visionary leadership continues to shape the future of digital banking and innovation in Malaysia and beyond.

Selvarany Rasiah is the Founder and Chief Executive Officer of Kapital DX, bringing over 28 years of leadership experience from the Malaysian Stock Exchange, where she rose from Legal Officer to Chief Commercial Officer. Her expertise spans corporate strategy, governance, and digital transformation, with a strong focus on driving innovation and sustainability.

A seasoned leader with vast board-level experience, Selvarany has served as a Board Member of the Malaysian Investor Relations Association and the Compensation Development Fund. She has been a key contributor to Malaysia’s capital market development, representing the country in global forums on ESG and corporate governance, including the Asian OECD Roundtable.

A passionate advocate for ESG, she spearheaded Bursa Malaysia's first CSR Framework in 2006 and has since influenced sustainability policies for listed companies. Her contributions to corporate governance in Malaysia earned her national recognition and solidified her position as a leader in sustainability.

Neil Tan is a Hong Kong-based FinTech and Web 3.0 specialist with over 20 years of experience in corporate strategy, mergers & acquisitions, business development, and strategic partnerships. He has worked with some of the world's leading organisations, including HSBC, Deutsche Bank, Boston Consulting Group (BCG), Philips Electronics, and Siemens.

Currently, he serves as Managing Partner at Tsunami Advisors, an advisory firm dedicated to helping FinTech and Web3 companies expand and scale across the Asia-Pacific region. Previously, he was CEO of Neptune Digital, an award-winning blockchain start-up under the Cyberport Incubation Program. At HSBC, he led Business Development for Asia Pacific, driving initiatives in Banking-as-a-Service (BaaS) and Embedded Finance.

A prominent industry figure, he is Chairman of the Artificial Intelligence Association of Hong Kong (AIHK) and a Member of the HKSAR Web3 Task Force, promoting the development of Web3 technologies and digital transformation in Hong Kong.

Rajat Malhotra is a distinguished technologist with more than 25 years of experience in the industry. As the Chief Technology Officer of GXS Bank, a digital bank in Singapore, Rajat is responsible for the Bankʼs technology strategy and implementation and oversees the technology deployment in Singapore. This includes build-from-scratch initiatives including new financial products and features.

Prior to joining GXS, Rajat held several leadership positions in technology, including Head of Engineering at Grab, CTO at Milvik, and Director of Engineering at Twitter. During his tenure at GFin, the fintech arm of Grab, Rajat led the engineering teams responsible for building the insurance, wealth management and payment infrastructures.

Rajat's contributions to the industry go beyond his role at GXS Bank as a member of the steering committee of the Asian Institute of Digital Finance. Tapping his entrepreneurial experience throughout his career, Rajat also actively mentors several start-ups.

With over 22 years of experience in transaction banking, treasury, and finance across Asia and the USA, Ankur Kanwar drives strategic growth and innovation in his dual leadership roles. As Head of Transaction Banking for Singapore and ASEAN, he oversees business growth and operational excellence in one of the region's most dynamic markets. In his global role as Head of Structured Solutions Development for Cash Management, he leads a team of experts in creating advanced cash management solutions for clients worldwide.

Ankur has helped large corporates optimise cash and treasury operations and spearheaded the adoption of transformative digital solutions to meet evolving industry needs. Before joining Standard Chartered, he held senior roles at JP Morgan Chase in Singapore and New York, leading transaction banking regulatory products and enhancing liquidity structures for corporate clients. His expertise in regulatory insights, treasury management, and balance sheet optimisation makes him a key influencer in transaction banking across ASEAN and beyond.