
Aznan Abul Aziz
Deputy Governor
Bank Negara Malaysia
Biography
Aznan Abdul Aziz is the Deputy Governor of Bank Negara Malaysia who is responsible for supervision and regulation of the financial sector. Aznan joined BNM in 2004. He has served in various departments throughout his 21-year service, including the Financial Conglomerates Supervision, the Governor’s Office, Islamic Banking and Takaful, Financial Sector Development, Financial Intelligence Unit, Financial Surveillance and Bank Regulation Departments. Aznan was previously the Chairman of the Financial Technology Enabler Group, where he was responsible for developing strategies and regulatory policies to facilitate the use of technology in financial services. He also served as the Assistant General Manager of Danamodal Nasional Berhad, the special purpose vehicle established to recapitalise distressed financial institutions during the 1997 Asian Financial Crisis.
About the company
Bank Negara Malaysia is the central bank of Malaysia
Presentation

Qaiser Anwarudin
Director, Payment Services Policy Department
Bank Negara Malaysia
Biography
About the company
Bank Negara Malaysia is the central bank of Malaysia.
Presentation

Clément Berthou
Consultant
Institute For Banking Studies (National Bank of Cambodia)
Biography
Clément Berthou is a payment systems expert and an economist advising the National Bank of Cambodia through its Institute for Banking Studies. He holds a PhD in Economics (Université Grenoble Alpes) and serves as IMF Short-Term Expert on cross-border payments. Previously, he managed Société Générale's global cash network.
About the company
The Institute for Banking Studies (IBS) is a vital department within the National Institute for Banking Studies, which operates under the National Bank of Cambodia.
Presentation
This presentation examines Cambodia's dollarization through an infrastructural lens, analyzing how payment systems and monetary architecture shape currency dynamics. Drawing from PhD fieldwork, this study reveals the paradox of dollarization: while limiting monetary sovereignty (monetary policy constrained), payment infrastructure simultaneously enabled Cambodia to mobilize financial resources for national reconstruction following three decades of conflict and instability.
Disclaimer : The views expressed in this presentation are those of the author

Nizam Shah Bin Allabasc
Chief Compliance and Risk Officer (CCRO)
du-it Malaysia
Biography
About the company
du-it (Duittech International Sdn. Bhd.) is a Malaysia-based Islamic fintech company providing the country’s first Shariah-compliant B2B "Buy Now, Pay Later" (BNPL) platform. It empowers SMEs and MSMEs with interest-free installment solutions and on-demand credit, streamlining trade credit and safeguarding cash flow for businesses.
Presentation

Camilla Bullock
Chief Executive Officer
Emerging Payments Association Asia
Biography
Camilla Bullock is an entrepreneur, connector, and recognised leader in the global payments industry.
As CEO and Co-Founder of the Emerging Payments Association Asia (EPAA), she has positioned the organisation as the voice of payments in the Asia-Pacific region and an advocate on the global stage. Since its founding in 2018, EPAA has become a trusted counterpart in international dialogue, contributing actively to FSB task forces and the G20 agenda to enhance payments, drive innovation, and improve cross-border interoperability.
Camilla’s career in financial technology began in London, where she spent 14 years in various roles at Reuters, now part of LSEG. Her work in the payments sector reflects a consistent focus on uniting industry leaders and accelerating innovation across the ecosystem.
Beyond her role at EPAA, she founded the “Meet-Her She Knows Payments” initiative, which champions female thought leadership in the payments industry and reinforces diversity as a driver of innovation. She also serves on the board of the Swedish Australian Chamber of Commerce and mentors emerging talent, reflecting her commitment to shaping the next generation of payments leaders.
About the company
The Emerging Payments Association Asia (EPAA) is the leading membership organisation uniting innovative businesses across the Asia Pacific payments ecosystem. EPAA bring together industry leaders, regulators and technology providers to shape the future of payments through collaboration, policy engagement and thought leadership.
Presentation

Charles Eloi Cyusa
Head of Digital Financial Services and Market Infrastructure
Access to Finance Rwanda (AFR)
Biography
Charles is the Head of Digital and Financial Markets Infrastructure at Access to Finance Rwanda (AFR). In this role, he leads development and implementation of AFR’s Digital and Financial Markets Infrastructure program strategy; ensuring that a comprehensive portfolio of impactful projects are developed and implemented to support the achievement of digital financial inclusion.
About the company
Access to Finance Rwanda (AFR) supports the removal of systemic barriers that hinder access to and use of financial services by low-income people, particularly the rural poor, women, youth and MSMEs, and supports the development and provision of financial services including savings, credit, insurance, investment, payments, and remittances.
Presentation

Andreas Deppeler
Professor
Monash University Malaysia
Biography
Andreas Deppeler is a Professor of Practice and Co-Director of the FinTech Lab at Monash University Malaysia. He teaches courses on financial technology, innovation, and digital strategy. His research concentrates on decentralized finance, financial inclusion, and the governance of emerging technologies, including artificial intelligence.
About the company
The Monash FinTech Lab is a cross-campus collaboration that advances policymaking in financial technology. It focuses on applied research, executive education, and knowledge dissemination via policy briefs, addressing issues such as financial inclusion and sustainable economic growth in the Asia-Pacific region.
Presentation
As digital currencies move from pilots to core infrastructure, financial integrity remains a central challenge. This session examines the money‑laundering risks of the digital economy, focusing on chain‑hopping techniques that obscure audit trails. Using the A7A5 stablecoin as a case study, it shows how private shadow‑payment networks can bypass global oversight. The presentation provides a comparative analysis for policy makers, explaining why central bank digital currencies, through compliance‑by‑design and sovereign settlement finality, offer a more reliable foundation for market integrity and legal certainty than private stablecoin models.

Anil Gill
President
Fintech Association of Malaysia
Biography
Anil Gill has over 23 years of experience spanning commercial banking, investment banking, and strategic finance. He currently serves as the President of the Fintech Association of Malaysia (FAOM), having been elected in April 2025 after serving two terms as Treasurer. Anil is also the CEO and Co-Founder of Omni 3, an enterprise Saas venture launched in 2025 that specializes in workflow and performance optimisation.
Prior to his current ventures, Anil held senior leadership roles across major financial institutions, including CIMB Investment Bank, AmBank, HSBC, and OCBC Bank. Most recently, he led Enterprise Risk Management and ESG functions at Silverlake Axis Ltd, where he was responsible for implementing risk best practices and overseeing investor relations and strategic finance.
Anil holds a Bachelor of Commerce from the University of Melbourne and an MBA from the University of South Australia. He is a Fellow of CPA Australia, a member of the Malaysian Institute of Accountants and an Associate of ISCA and CIMA.
About the company
Fintech Association of Malaysia (FAOM), is a non-profit association founded in 2016. FAOM's main objectives are to accelerate innovation in the financial sector, connect entrepreneurs and startups, and be the catalyst of national policies, legislation and regulations in FinTech.
Presentation

John Ho
Head, Legal, Financial Markets
Standard Chartered Bank
Biography
John Ho is the Global Head of Legal, Financial Markets for Standard Chartered Bank (“SCB”), overseeing and providing legal advisory, transactional and documentation support for Financial Markets (FM) business globally for Standard Chartered Bank (SCB), its branches and affiliates.
Mr Ho has been on the SCB’s Responsible AI Review Forum, Financial Stability Board’s (FSB’s) Taskforce on the Legal, Regulatory and Supervisory Frameworks, GFMA Artificial Intelligence (AI) Steering Group, and the FIA Asia Pacific Advisory Board. Mr. Ho is also the co-chair of (1) the ISDA South East Asia Legal and Regulatory Committee and (2) the ISDA Asia Pacific ESG Working group. Mr. Ho is a member of the panel of experts of P.R.I.M.E. Finance, the financial markets dispute resolution service based in The Hague.
Mr. Ho plays an active role in implementing changes within SCB to conform to applicable OTC regulatory reforms impacting FM business. He has been involved in fostering closer working relationship and rapport with industry groups and regulators on key global and regional regulatory reform changes, including Interbank Offered Rate (IBOR) reforms, MIFID II/MIFIR, Dodd Frank, EMIR, CRDIV, FATCA, CCPs and Margin Reforms for Uncleared Derivatives.
In addition, Mr. Ho has supported digitisation in SCB and adoption of new or innovative technology initiatives such as blockchain, distributed ledger technology and smart contracts. He is an active participant in the industry’s Fintech events and has shared insights on the legal and regulatory framework relating to the development of Artificial Intelligence, Fintech, Digital Assets, Stablecoins, Web3 and Central Bank Digital Currency (CBDC). He has acted as a mentor for the UK FCA Sustainability TechSprint, FCA Digital Sandbox, R3 and LongHash, both global incubator networks which provide a full range of support for start-ups working on blockchain or distributed ledger related projects. He contributed to a recent publication issued by the World Economic Forum (WEF) called ‘Asset Tokenization in Financial Markets’ released in May 2025.
Prior to joining SCB, Mr. Ho was the Managing Director Principal in the legal department of Bear Stearns (Japan), Ltd where he supported the Asia franchise (including Tokyo, Hong Kong, China, Taiwan, Korea, India and South-east Asia) covering various structured products and derivatives including equity derivatives, credit derivatives, fixed income and commodities.
Prior to joining Bear Stearns, Mr. Ho worked as Asia equity counsel for Lehman Brothers in Tokyo with experience dealing in convertibles, options, warrants, delta one products and other types of equity derivatives transactions, equity finance and equity capital markets.
He is qualified as an advocate and solicitor in Singapore and he received his law degree from the National University of Singapore.
About the company
With 85,000 employees and a presence in 59 markets, Standard Chartered Bank's network serves customers in close to 150 markets worldwide. Standard Chartere Bank is listed on the London and Hong Kong Stock Exchanges
Presentation

Dr. Ritesh Jain
Chair
India Fintech Forum
Biography
Dr. Ritesh Jain is a global fintech and payments leader, advisor to central banks and policymakers, and Chair (Payments) at India FinTech Forum. Formerly with HSBC, Visa, and Apple Pay expansion, he specialises in CBDC, digital public infrastructure, and financial inclusion, advising governments and institutions on next-generation monetary and payment systems globally.
About the company
The India FinTech Forum aims to position India’s fintech community as a global leader in innovation, entrepreneurship, and financial literacy, fostering inclusive growth and impactful transformation in the financial sector.
Presentation

Monica Jasuja
Payments & Product Leader
Emerging Payments Association Asia
Biography
Monica Jasuja is a seasoned global product management expert specialising in fintech and payments, with over 24 years of experience across four continents in the consumer, internet, and digital financial services. She excels in strategizing, defining, and deploying commercially viable solutions that transform payment landscapes. As Chief Expansion and Innovation Officer at the Emerging Payments Association Asia (EPAA), she leads transformative payment initiatives and ecosystem development across Asia.
Her strategic vision has powered multinational giants including PayPal, Mastercard, and Gojek across US, India, Southeast Asia, and Taiwan. Her work consistently demonstrates a deep understanding of emerging market dynamics and a commitment to developing solutions that address complex financial challenges.
Her expertise spans fintech, payments, product and strategic partnerships, with particular focus on India, Indonesia, and global markets.
Her extensive experience, combined with her insightful analyses, regularly contributing insights on payment innovation, digital transformation, and financial inclusion and effective communication, has established her as a recognized authority in the fintech sector. Monica's thought leadership has earned global recognition, including rankings as one of Favikon's Top 5 Most Influential Fintech Voices on LinkedIn, NORBR's Top 10 Payment Leaders, Thinkers360's Top 50 B2B Leaders in APAC, and Onalytica's Top 15 Global Fintech Thought Leaders.
As an industry catalyst, Monica actively mentors startups and women technology leaders, sharing her expertise in product development, market expansion, and strategic growth.
Monica holds a Master's in Computer Science from the University of Illinois at Urbana-Champaign, a Mathematics degree from Lady Shri Ram College for Women, New Delhi, and an Independent Director Certification from the Indian Institute of Corporate Affairs (IICA).
Her combination of technical expertise, strategic vision, and industry insight continues to shape the future of digital payments and financial services.
About the company
The Emerging Payments Association Asia (EPAA) is the leading membership organisation uniting innovative businesses across the Asia Pacific payments ecosystem. EPAA bring together industry leaders, regulators and technology providers to shape the future of payments through collaboration, policy engagement and thought leadership.
Presentation

Vacharakoon Jivakanont
Senior Financial Sector Specialist
The South East Asian Central Banks (SEACEN) Research and Training Centre
Biography
Vacharakoon currently works at the SEACEN Centre and has over 20 years’ experience in payment and settlement systems. Formerly a director at the Bank of Thailand, he led works on payments and fintech, with international roles at the BIS CPMI. He holds a master’s degree from Waseda U., another master’s degree, and a PhD from the University of Reading.
About the company
SEACEN Centre serves as a regional capacity-building institution for member central banks. It provides training, research, policy dialogue, and technical cooperation to strengthen financial stability, central banking practices, and regional collaboration across macroeconomic policy, financial sector development, and leadership.
Presentation

Louise Johnston
Global Policy
Mastercard
Biography
About the company
Mastercard is a global technology company in the payments industry. Mastercard operates one of the world’s most trusted payments networks and for close to a decade has been exploring how new forms of digital money can complement existing payment systems in a way that is safe, resilient and trusted
Presentation

David Lee
Chairman
Global FinTech Institute
Biography
David LEE Kuo Chuen is a Professor of Fintech and Blockchain at the Singapore University of Social Sciences (SUSS), an Adjunct Professor at the National University of Singapore (NUS), a founding Council Member of the British Blockchain Association, and Editor-in-Chief or Deputy Editor-in-Chief of the Journal of Fintech and Annual Review of Fintech. Professor LEE is also an internationally renowned scholar and industry opinion leader in the field of blockchain, an expert in the development of WEB3 and Artificial Intelligence (AI) application scenarios, the Chairman of the Global FinTech Institute(GFI), a co-founder of FLEX, the Chairman of the Board of Asia Pacific Exchange(APEX), a co-founder of the Singapore Blockchain Association, a co-founder of the Blockchain Security Alliance and Global Web3 Association, a CBDC advisor to the Asian Development Bank, Vice President of the Economic Society of Singapore (ESS),a cryptocurrency advisor to the Asian Institute of Digital Finance (AIDF) of NUS, an independent director of several companies in Singapore such as eTORO, founder of Western Australia Web3 Association, an angel investor in blockchain, WEB3, inclusive finance and AI innovation, a senior advisor and Investment Committee member of Artichoke Capital which is backed by institutional limited partners, including sovereign wealth and family office funds.
About the company
Global Fintech Institute (GFI) is a non-profit think tank and professional body dedicated to shaping the future of fintech. Headquartered in Singapore, GFI connects regulators, corporations, and academia to set global standards, deliver world-class education, and foster responsible innovation across the financial ecosystem.
Presentation

Derek S. Rolle
Deputy Governor, Corporate Services
Central Bank of The Bahamas
Biography
As Deputy Governor, Mr. Rolle oversees the payments function as part of his broader duties. He holds a Bachelor’s Degree in Finance and Economics, College of William and Mary (USA), and a Master’s of Business Administration with a concentration in Finance and Quantitative Methods, University of Georgia (USA).
About the company
The Central Bank of The Bahamas, located on the island of New Providence, was established on 1st June, 1974, and is a monument to one of the most rapidly growing, international financial centers in the Caribbean. This unprecedented legal authority manages the financial policies of an independent nation, The Bahamas.
Presentation
In this exclusive panel, the deputy governors of several central bank share their views on digital currencies. Gain unique perspectives on digital currency design, policy considerations, and the role of digital currencies in shaping the future financial system. Learn about the challenges, opportunities, and potential implications of CBDCs and stablecoins in the financial sector. Hear from these high-level decision-makers their strategic vision and practical insights that drive the digital currency agenda.

Joachim Samuelsson
CEO
Crunchfish
Biography
About the company
Crunchfish is a deep tech company developing a device-agnostic trusted client application platform for offline payments, tokenized card payments as well as other mobile client / server systems. Crunchfish has been listed on Nasdaq in Stockholm since 2016, with headquarters in Malmö and a subsidiary in India.
Presentation

Raymond Siva
Digital Strategy and Investment Consultant
Independent consultant
Biography
About the company
Provides independent advisory across Southeast Asia on digital infrastructure, emerging technology policy, investment strategy, and market entry. Brings nearly three decades of experience in government relations and digital investment promotion. Supports multinational technology firms expanding in ASEAN, leveraging extensive public- and private-sector networks built through senior leadership roles.
Presentation
It proposes a coherent national design stance covering CBDCs, tokenised deposits, stablecoins, digital identity, supervision, and cross-border integration. The paper emphasises governance, risk safeguards, ISO-aligned standards, and measurable execution milestones.
Without strategic coordination, nations risk fragmentation and imported monetary influence. With disciplined architecture and oversight, digital assets can strengthen sovereignty, modernise payment systems, and enhance global competitiveness.

Harry Smorenberg
Senior Payment Expert & Executive Advisor
Smorenberg Corporate Consultancy
Biography
Harry is a senior marketing and positioning strategist. He previously worked at Banque Paribas and ABN AMRO and was a director at two leading international strategic consultants.
He is a leading contributor to innovation in both the retail and corporate payments and transaction space. He has also been actively involved in developing a.o. financial planning, international pensions and new steps in 'social innovation'. His strength is in catalyzing institutions into developing vision and strategies and in identifying and implementing client-centric solutions.
He is a columnist and guest speaker, sits on several advisory boards and regularly publishes in leading international media.
About the company
Smorenberg Corporate Consultancy is an advisory specialized in payments and financial transactions.
Presentation
In this exclusive panel, the deputy governors of several central bank share their views on digital currencies. Gain unique perspectives on digital currency design, policy considerations, and the role of digital currencies in shaping the future financial system. Learn about the challenges, opportunities, and potential implications of CBDCs and stablecoins in the financial sector. Hear from these high-level decision-makers their strategic vision and practical insights that drive the digital currency agenda.
Panel Discussion: The Impact of Digital Currencies on Payment Systems
This panel will discuss how digital currencies will influence the way payments will be made in the future. What are the pros & cons, the risks & opportunities?
This panel delves into how digital currencies are reshaping global payment systems, from reducing transaction costs to enabling real-time cross-border transfers. The panelists will discuss the opportunities and disruptions brought about by stablecoins, tokenization, CBDCs. The conversation will explore the integration of digital currencies into existing payment infrastructures and their potential to enhance financial inclusion. Attendees will gain a deeper understanding of the technological, economic, and policy implications of this transformation.

Wee Kee Toh
Global Head of Business Architecture for Digital Payments
Kinexys by J.P. Morgan
Biography
Wee Kee is responsible for architecting business capabilities for digital payments, and developing strategies to address current needs and capture future opportunities. He works closely with the product team to develop product vision and strategies, and with the technology team on aligning technical solutions with business needs. Prior to joining J.P. Morgan in 2022, Wee Kee was the Specialist Leader for Distributed Ledger Technology at the Monetary Authority of Singapore, where he led Project Ubin, was also Advisor at the BIS Innovation Hub, where he led Project Dunbar.
About the company
Kinexys by J.P. Morgan is the firm’s blockchain business unit focused on building the next generation of financial infrastructure utilising blockchain technology. Kinexys Digital Payments offers a blockchain-based deposit product that allows clients to make domestic and cross-border payments between Kinexys Digital Payments accounts on a 24/7, near real-time basis.
Presentation
With the growing interest on stablecoins, deposit tokens and CBDCs, Kinexys by J.P. Morgan and MIT Digital Currency Initiative collaborated on the research and development of a prototype for payment tokens on EVM-based blockchains. This presentation will discuss key findings from the research, including the additional capabilities required in payment tokens to meet compliance and regulatory requirements, the gaps in existing token standards and the proposal of two new sets of capabilities to address these gaps. The presentation will also highlight challenges in current approach towards token standards, and why narrow composable standards would help drive convergence in the space.

Daniel van Delft
CEO
Currence iDEAL & EPI Operations B.V.
Biography
About the company
Wero is the first European-born digital wallet, developed by the European Payments Initiative (EPI) and supported by 14 major European banks and two large payment acquirers (Worldline and Nexi). Built on account-to-account payments, Wero allows users to send and receive money instantly using just a phone number, email address, or QR-code, without needing an IBAN.
Presentation

Sander van Tol
Partner
Zanders
Biography
About the company
Zanders is a global leading consulting firm in the area of Treasury & Risk Management. The company provides independent subject matter expertise and advisory services to Financial Institutions, Corporations, Public Sector Entities and NGO’s.
Presentation

Heng Wang
Professor
Singapore Management University
Biography
Heng Wang is a Professor at Singapore Management University. He was a professor at UNSW Sydney and co-directed key research centres. Heng has received major grants and awards, including recognition as Australia’s research leader in international law. His work is often cited by intergovernmental organisations. He is a member of World Economic Forum’s initiatives and advises or speaks at institutions including the UN, IMF, World Bank, and WTO.
About the company
The Singapore Management University is a business- and economics-oriented university in Singapore. SMU consistently ranks among the world’s top universities for business and economics and, in 2018, was ranked in the top 50 of the Financial Times MBA Rankings for the first time, making it the highest new entrant.
Presentation
Digital currencies are rapidly reshaping the global financial landscape. Their future will be shaped by many factors, including how we engage with intertwined relational, technological, and legal complexities. Paying attention to these layers also sheds light on potential disputes with social dimensions (diverging stakeholder interests), material dimensions (what different actors perceive to be at stake), and temporal dimensions (how issues may emerge and evolve over time). Using central bank digital currencies (CBDCs) as a distinct form of public digital money, this talk offers a framework for thinking about the opportunities and challenges ahead.

Kjetil Watne
Special Advisor, Project Manager CBDC
Norges Bank
Biography
About the company
Norges Bank is the Norwegian central bank, with responsibility to promote financial and monetary stability and a safe and efficient payment system, according to the Central Bank act. Norges Bank is owned by the state but organized as a separate legal entity.
Presentation
In this presentation, Kjetil Watne will introduce the CBDC exploration project at Norges Bank, focusing on a recent decision concerning whether the central bank should issue a CBDC, as well as insights from advanced technical and functional testing conducted in a blockchain-based technological sandbox.

