Emerging Payments Association Asia

𝐖𝐢𝐭𝐡 𝐰𝐨𝐦𝐞𝐧 𝐫𝐞𝐩𝐫𝐞𝐬𝐞𝐧𝐭𝐢𝐧𝐠 𝐧𝐞𝐚𝐫𝐥𝐲 𝐡𝐚𝐥𝐟 𝐨𝐟 𝐈𝐧𝐝𝐢𝐚'𝐬 𝐩𝐨𝐩𝐮𝐥𝐚𝐭𝐢𝐨𝐧 𝐲𝐞𝐭 𝐜𝐨𝐧𝐭𝐫𝐢𝐛𝐮𝐭𝐢𝐧𝐠 𝐨𝐧𝐥𝐲 17% 𝐭𝐨 𝐭𝐡𝐞 𝐆𝐃𝐏 (𝐜𝐨𝐦𝐩𝐚𝐫𝐞𝐝 𝐭𝐨 𝐭𝐡𝐞 𝐠𝐥𝐨𝐛𝐚𝐥 𝐚𝐯𝐞𝐫𝐚𝐠𝐞 𝐨𝐟 37%), 𝐭𝐡𝐞𝐫𝐞'𝐬 𝐚𝐧 𝐢𝐦𝐦𝐞𝐧𝐬𝐞 𝐨𝐩𝐩𝐨𝐫𝐭𝐮𝐧𝐢𝐭𝐲 𝐭𝐨 𝐭𝐫𝐚𝐧𝐬𝐟𝐨𝐫𝐦 𝐭𝐡𝐞 𝐧𝐚𝐭𝐢𝐨𝐧'𝐬 𝐞𝐜𝐨𝐧𝐨𝐦𝐢𝐜 𝐥𝐚𝐧𝐝𝐬𝐜𝐚𝐩𝐞 𝐭𝐡𝐫𝐨𝐮𝐠𝐡 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐢𝐧𝐜𝐥𝐮𝐬𝐢𝐨𝐧. EPAA's Chief Expansion and Innovation Officer, Monica Jasuja, is proud to announce the publication of her latest whitepaper, "𝐔𝐬𝐡𝐞𝐫𝐢𝐧𝐠 𝐢𝐧𝐭𝐨 𝐭𝐡𝐞 𝐍𝐞𝐰 𝐄𝐫𝐚 𝐨𝐟 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐈𝐧𝐜𝐥𝐮𝐬𝐢𝐨𝐧: 𝐄𝐧𝐚𝐛𝐥𝐢𝐧𝐠 𝐖𝐨𝐦𝐞𝐧 𝐚𝐧𝐝 𝐖𝐨𝐦𝐞𝐧-𝐋𝐞𝐝 𝐎𝐫𝐠𝐚𝐧𝐢𝐬𝐚𝐭𝐢𝐨𝐧𝐬," co-authored with AYUSH TRIPATHI and Soham Jagtap from The Dialogue. Key insights from the research:  - Digital Infrastructure Impact: Leveraging UPI and JAM Trinity platforms has shown promising results in expanding financial access, particularly for women in rural areas.  - Community-Driven Success: Self-Help Groups (SHGs) and Bank Sakhis networks are proving instrumental in delivering financial literacy and credit access at the grassroots level.  - Innovation Through Partnership: Public-Private collaborations are creating tailored financial solutions, from digital banking ecosystems to customised credit products for women entrepreneurs.  - Economic Potential: Women-led startups deliver 35% higher ROI compared to those led by men, with the potential to create 150-170 million jobs through increased women entrepreneurship. The research highlights a compelling business case: accelerating women's entrepreneurship could generate over 30 million women-owned enterprises, while increased adoption of digital financial services could raise India's GDP per capita by 3-4 percentage points. Emerging Payments Association Asia and Meet-Her She Knows Payments remains committed to championing initiatives that break down barriers and create pathways for women's financial empowerment. We look forward to collaborating with stakeholders across the ecosystem to transform these insights into actionable change in 2025 and beyond! For more insights on this topic, download the white paper "𝐔𝐬𝐡𝐞𝐫𝐢𝐧𝐠 𝐢𝐧𝐭𝐨 𝐭𝐡𝐞 𝐍𝐞𝐰 𝐄𝐫𝐚 𝐨𝐟 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐈𝐧𝐜𝐥𝐮𝐬𝐢𝐨𝐧: 𝐄𝐧𝐚𝐛𝐥𝐢𝐧𝐠 𝐖𝐨𝐦𝐞𝐧 𝐚𝐧𝐝 𝐖𝐨𝐦𝐞𝐧-𝐥𝐞𝐝 𝐎𝐫𝐠𝐚𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧𝐬" now. Camilla Bullock Linda Stanojevic Sally Sternecker Monica Jasuja Danelle Denny Niamh Laing May Lam 林希文 Nigel Lee Carrie Suen Holly Dorber Kanv Pandit Amira Karim Pratyush Prasanna Dr Brad Pragnell  Nilixa Devlukia Richard Reid Antony Morris Lance Blockley  Lars Sjögren Raphael Jansa Mika von Haartman Rahul Bhargava Mary Ann Francis 🌟 Leanne Bradley Jan McGrath Danny Levy #epaa #payments #epaainsights #financialinclusion #india

“𝐏𝐫𝐢𝐯𝐚𝐜𝐲-𝐞𝐧𝐡𝐚𝐧𝐜𝐢𝐧𝐠 𝐭𝐞𝐜𝐡𝐧𝐨𝐥𝐨𝐠𝐲 𝐢𝐬 𝐭𝐡𝐞 𝐛𝐫𝐢𝐝𝐠𝐞 𝐛𝐞𝐭𝐰𝐞𝐞𝐧 𝐭𝐫𝐚𝐧𝐬𝐩𝐚𝐫𝐞𝐧𝐜𝐲 𝐚𝐧𝐝 𝐬𝐞𝐜𝐮𝐫𝐢𝐭𝐲— 𝐮𝐧𝐥𝐨𝐜𝐤𝐢𝐧𝐠 𝐚𝐝𝐯𝐚𝐧𝐜𝐞𝐝 𝐟𝐫𝐚𝐮𝐝 𝐝𝐞𝐭𝐞𝐜𝐭𝐢𝐨𝐧, 𝐬𝐦𝐚𝐫𝐭𝐞𝐫 𝐩𝐫𝐞-𝐯𝐚𝐥𝐢𝐝𝐚𝐭𝐢𝐨𝐧, 𝐚𝐧𝐝 𝐚 𝐬𝐞𝐚𝐦𝐥𝐞𝐬𝐬 𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐞𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞.” Curious about what’s next for the payments industry in 2025? Join Camilla Bullock, Monica Jasuja, and the EPAA Advisory Board—featuring May Lam 林希文, Amira Karim, Holly Dorber, Nigel Lee and Pratyush Prasanna —for The Year Ahead 2025 Webinar. Get exclusive insights as these industry leaders share their bold predictions on the key trends shaping the future of payments. 📅 𝐃𝐚𝐭𝐞: 𝐓𝐡𝐮𝐫𝐬𝐝𝐚𝐲, 6 𝐅𝐞𝐛𝐫𝐮𝐚𝐫𝐲 2025  ⏰ 𝐓𝐢𝐦𝐞: 6 𝐏𝐌 𝐀𝐄𝐃𝐓 | 3 𝐏𝐌 𝐒𝐆𝐓 ☑️ Secure your spot for this must-attend discussion by registering now - https://lnkd.in/gibuxdJT     Linda Stanojevic Sally Sternecker Danelle Denny Niamh Laing Jan McGrath Carrie Suen Kanv Pandit Dr Brad Pragnell Nilixa Devlukia Richard Reid Antony Morris Rajiv Madane Leanne Bradley Lance Blockley Lars Sjögren Raphael Jansa  Mika von Haartman Tony Seno Hartono Rahul Bhargava #epaa #payments #epaainsights #PaymentsInnovation #EPAA2025 #TheYearAhead #FutureOfPayments

𝐓𝐰𝐨 𝐏𝐚𝐧𝐞𝐥𝐬, 𝐎𝐧𝐞 𝐂𝐥𝐞𝐚𝐫 𝐌𝐞𝐬𝐬𝐚𝐠𝐞: 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐀𝐫𝐞 𝐓𝐫𝐚𝐧𝐬𝐟𝐨𝐫𝐦𝐢𝐧𝐠—𝐄𝐯𝐞𝐫𝐲𝐰𝐡𝐞𝐫𝐞. 🚀 The future of payments will be seamless, but who defines ‘normal’? Instant payments are rapidly expanding, pre-validation is unlocking new efficiencies, and access to data remains a key bottleneck. How do we leverage customer and network data while ensuring privacy, security, and trust in the system?     During Arab Payment Week, Camilla Bullock and EPAA had the privilege of leading two engaging panel discussions with industry leaders:  💡 "𝐈𝐧𝐬𝐭𝐚𝐧𝐭 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 – 𝐅𝐫𝐨𝐦 𝐈𝐦𝐚𝐠𝐢𝐧𝐚𝐭𝐢𝐨𝐧 𝐭𝐨 𝐍𝐨𝐫𝐦" with Esam Alkheshnam (@KNET), Helena Forest (Mastercard), Pariwat Kanithasen (Bank of Thailand), and Tarek Raouf (Egyptian Banks Company.)  💡 "𝐏𝐫𝐞-𝐯𝐚𝐥𝐢𝐝𝐚𝐭𝐢𝐨𝐧 𝐢𝐧 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 – 𝐖𝐡𝐲, 𝐇𝐨𝐰 & 𝐖𝐡𝐚𝐭" with Gloria Wan (J.P. Morgan), Fernando P. (Mashreq Bank), Alain Raes (iPiD), and Amir Matta (National Bank of Egypt (NBE))    Both discussions were frank and insightful, highlighting how perspectives shift depending on where you sit in the payment's ecosystem—as a global player, a local participant, the corridors you serve, and the evolving needs of consumers.     A huge thank you to Buna (The Arab Regional Payments Clearing and Settlement Organization), Faisal Alhijawi and Mehdi Manaa for hosting such a dynamic event and setting the stage for a transformative year in payments! Linda Stanojevic Sally Sternecker Danelle Denny Niamh Laing Jan McGrath Holly Dorber Carrie Suen Kanv Pandit  Amira Karim Dr Brad Pragnell Nilixa Devlukia Richard Reid Antony Morris Rajiv Madane Leanne Bradley Lance Blockley Lars Sjögren Raphael Jansa Monica Jasuja Pratyush Prasanna Mika von Haartman Tony Seno Hartono Rahul Bhargava    #PaymentsInnovation #RealTimePayments #apw2025 

EPAA is delighted to welcome our Newest Member ShaBAAS Pay into our ever-growing community of #payments #innovators! ShaBAAS Pay is an Australian payments platform that facilitates easy-to-use, secure and fast payments using the Banking-as-a-Service (BaaS) model.  By focusing on real-time payments, they offer faster settlements at lower costs, delivering a seamless and secure payment experience for both businesses and customers. We’re proud to have ShaBAAS Pay join us in shaping the future of payments. Join us in welcoming ShaBAAS Pay to our vibrant community! Camilla Bullock Sally Sternecker Linda Stanojevic Monica Jasuja Danelle Denny Niamh Laing Sarah Chan Shrikant P. Varinthorn Kalra #epaa #payments #paytech #meetthemember #futureofpayments #shabaaspay

🌙🐍 Happy Lunar New Year from EPAA! 🐍🌙 Wishing you and your business a year filled with prosperity, growth, and new opportunities as we step into the Year of the Snake! At Emerging Payments Association Asia (EPAA), we’re excited for another year of driving innovation, collaboration, and excellence in payments—together with you. Find out more about EPAA membership options here: https://lnkd.in/g5nmq-RU Here’s to a year of success and transformation! 🎉 Camilla Bullock Sally Sternecker Linda Stanojevic Monica Jasuja Danelle Denny Niamh Laing Sarah Chan #LunarNewYear #YearOfTheSnake #epaa #payments  

"𝐑𝐞𝐚𝐥-𝐭𝐢𝐦𝐞 𝐜𝐫𝐨𝐬𝐬-𝐛𝐨𝐫𝐝𝐞𝐫 𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐚𝐫𝐞 𝐭𝐡𝐞 𝐛𝐚𝐜𝐤𝐛𝐨𝐧𝐞 𝐨𝐟 𝐠𝐥𝐨𝐛𝐚𝐥 𝐜𝐨𝐦𝐦𝐞𝐫𝐜𝐞, 𝐲𝐞𝐭 𝐢𝐧𝐞𝐟𝐟𝐢𝐜𝐢𝐞𝐧𝐜𝐢𝐞𝐬 𝐥𝐢𝐤𝐞 𝐡𝐢𝐠𝐡 𝐜𝐨𝐬𝐭𝐬 𝐚𝐧𝐝 𝐝𝐞𝐥𝐚𝐲𝐬 𝐩𝐞𝐫𝐬𝐢𝐬𝐭. 𝐇𝐨𝐰 𝐜𝐚𝐧 𝐏𝐚𝐲𝐓𝐞𝐜𝐡𝐬 𝐫𝐢𝐬𝐞 𝐭𝐨 𝐭𝐡𝐞 𝐜𝐡𝐚𝐥𝐥𝐞𝐧𝐠𝐞?"    At the Global Fintech Fest 2024, EPAA's roundtable brought industry leaders together to explore solutions for faster, secure, and transparent cross-border payments.     The discussion highlighted key challenges such as interoperability, regulatory complexities, and fraud risks, while showcasing innovative solutions like UPI International and Nexus. These systems are driving faster, cost-effective, and scalable payment ecosystems. Experts emphasised the importance of collaboration, global standards like ISO 20022, and compliance-by-design to address gaps in trust, speed, and accessibility. EPAA invites you to dive deeper into these insights—read the full article below to discover how PayTechs are shaping the future of payments. Through collaboration, regulatory harmonisation, and cutting-edge tech, PayTechs are reshaping global payment ecosystems, paving the way for inclusion, trust, and efficiency.    Camilla Bullock Linda Stanojevic Sally Sternecker Monica Jasuja Danelle Denny Niamh Laing Sarah Chan Monica Jasuja Carrie Suen Maha El Dimachki Rahul Bhargava Gaurish Korgaonkar Julie Bolan Mary Ann Francis 🌟 Mishal Ruparel Nath Parameshwaran Navin Surya Nikita Tambday Niraja Gokhale Nilixa Devlukia Runn Sachasiri, CFA Sameer Gupta Shrawan (SK) Saraogi Vikas Panwar #RealTimePayments #PayTech #EPAA #GlobalFinance

Are you a #payments expert, trailblazer or passioned professional in APAC?    Then, don’t miss out on subscribing to Emerging Payments Association Asia’s payments newsletter - Asia Payments Pulse.   Read about EPAA’s latest payments endeavours, gain insight into the Asian market via our co-designed reports and articles and ensure you have our upcoming events in your calendar. Make sure you are part of the discussions! Camilla Bullock Linda Stanojevic Sally Sternecker Danelle Denny  Niamh Laing Sarah Chan Jan McGrath Holly Dorber Carrie Suen Kanv Pandit  Amira Karim Dr Brad Pragnell Nilixa Devlukia Richard Reid Antony Morris Rajiv Madane Leanne Bradley Lance Blockley Lars Sjögren Raphael Jansa Monica Jasuja Pratyush Prasanna Mika von Haartman Tony Seno Hartono Rahul Bhargava #epaa #payments #epaainsights

Did you know that in 2024, India faced a staggering ₹11,333 crore loss due to cyber fraud? Investment-based scams alone accounted for ₹3,216 crore from over 1,00,360 complaints, underlining the urgent need for stronger cybersecurity frameworks in the digital payment's ecosystem. EPAA's Chief Expansion and Innovation Officer, Monica Jasuja, had the honor of moderating ASSOCHAM (The Associated Chambers of Commerce and Industry of India)'s Roundtable Discussion on Cybersecurity in Digital Payments & the Role of the Private Sector. This forum brought together an impressive group of stakeholders, including government representatives, cybersecurity experts, and leaders from Visa, Amazon Pay Mastercard, Google Pay, and the National Critical Information Infrastructure Protection Centre. 𝐊𝐞𝐲 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬 𝐟𝐫𝐨𝐦 𝐭𝐡𝐞 𝐃𝐢𝐬𝐜𝐮𝐬𝐬𝐢𝐨𝐧: 𝐂𝐨𝐥𝐥𝐚𝐛𝐨𝐫𝐚𝐭𝐢𝐨𝐧 𝐢𝐬 𝐊𝐞𝐲: A unified approach between government and private sectors is crucial to safeguard India’s growing digital economy.  𝐒𝐞𝐜𝐮𝐫𝐢𝐭𝐲 𝐛𝐲 𝐃𝐞𝐬𝐢𝐠𝐧: Cybersecurity must be embedded into systems at the design stage, not as an afterthought.  𝐏𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐧𝐠 𝐭𝐡𝐞 𝐕𝐮𝐥𝐧𝐞𝐫𝐚𝐛𝐥𝐞: Expanding digital payment adoption hinges on safeguarding vulnerable populations.  𝐒𝐤𝐢𝐥𝐥 𝐃𝐞𝐯𝐞𝐥𝐨𝐩𝐦𝐞𝐧𝐭: Upskilling teams across industries is critical to counter rising cyber threats.  𝐆𝐥𝐨𝐛𝐚𝐥 𝐂𝐨𝐥𝐥𝐚𝐛𝐨𝐫𝐚𝐭𝐢𝐨𝐧: Countries must work together to combat transnational cybercrime effectively.  𝐂𝐨𝐦𝐩𝐫𝐞𝐡𝐞𝐧𝐬𝐢𝐯𝐞 𝐓𝐫𝐚𝐢𝐧𝐢𝐧𝐠: Training across all levels is essential to build collective resilience. At EPAA, we firmly believe that trust is the foundation for scaling digital payments, ensuring financial inclusion for the underserved. Securing payment systems and fostering consumer confidence are non-negotiable priorities. We commend ASSOCHAM (The Associated Chambers of Commerce and Industry of India) for hosting this impactful dialogue and are proud to collaborate on such pivotal initiatives. Let’s work together to secure the future of digital payments! Camilla Bullock Linda Stanojevic Sally Sternecker Monica Jasuja Danelle Denny Niamh Laing Sarah Chan Varun Aggarwal Vicky Pandita 🕉🇮🇳 #epaa #payments #epaainsights

𝐇𝐨𝐰 𝐜𝐚𝐧 𝐩𝐨𝐥𝐢𝐜𝐲𝐦𝐚𝐤𝐞𝐫𝐬, 𝐫𝐞𝐠𝐮𝐥𝐚𝐭𝐨𝐫𝐬, 𝐚𝐧𝐝 𝐢𝐧𝐝𝐮𝐬𝐭𝐫𝐲 𝐥𝐞𝐚𝐝𝐞𝐫𝐬 𝐬𝐡𝐚𝐩𝐞 𝐭𝐡𝐞 𝐟𝐮𝐭𝐮𝐫𝐞 𝐨𝐟 𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬? Arab Payment Week is a platform for exchanging insights, discussing advancements, and exploring innovative solutions in both domestic and cross-border payments. Next week, EPAA CEO Camilla Bullock will be attending Buna (The Arab Regional Payments Clearing and Settlement Organization) Arab Payment Week, contributing to two thought-provoking panel discussions. 📅 𝐌𝐨𝐧𝐝𝐚𝐲, 27𝐭𝐡: “Pre-validation in Payments: Why, How, & What” – A deep dive into the critical role of pre-validation in reducing payment errors, enhancing security, and improving customer experience. 📅 𝐓𝐮𝐞𝐬𝐝𝐚𝐲, 28𝐭𝐡: “Instant Payments: From Imagination to Norm” – Exploring the evolution of instant payments, infrastructure challenges, and their impact on global commerce. Let us know if you are going and would like to meet us there, see the agenda here: https://lnkd.in/gBQdBm4k     Camilla Bullock Linda Stanojevic Sally Sternecker Monica Jasuja Danelle Denny Niamh Laing Esam Alkheshnam Helena Forest Pariwat Kanithasen Tarek Raouf Alain Raes Fernando P. Gloria Wan Rahul Bhargava May Lam 林希文 Nigel Lee Carrie Suen Kanv Pandit Holly Dorber Pratyush Prasanna Amira Karim Dr Brad Pragnell Nilixa Devlukia Antony Morris Rajiv Madane Leanne Bradley Lance Blockley Lars Sjögren Raphael Jansa Mika von Haartman Jan McGrath Mary Ann Francis 🌟 Danny Levy   #epaa #payments #epaainsights #ArabPaymentWeek #APW2025 

💬 "𝐓𝐫𝐮𝐬𝐭 𝐢𝐬 𝐭𝐡𝐞 𝐟𝐨𝐮𝐧𝐝𝐚𝐭𝐢𝐨𝐧 𝐨𝐟 𝐞𝐟𝐟𝐢𝐜𝐢𝐞𝐧𝐭 𝐜𝐫𝐨𝐬𝐬-𝐛𝐨𝐫𝐝𝐞𝐫 𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬, 𝐚𝐧𝐝 𝐋𝐄𝐈𝐬 𝐚𝐫𝐞 𝐚 𝐤𝐞𝐲 𝐞𝐧𝐚𝐛𝐥𝐞𝐫 𝐨𝐟 𝐭𝐡𝐚𝐭 𝐭𝐫𝐮𝐬𝐭."   Missed our first webinar of the year? Don’t worry – you can now watch the recording of the webinar "𝐏𝐫𝐞𝐜𝐢𝐬𝐞 𝐚𝐧𝐝 𝐄𝐟𝐟𝐢𝐜𝐢𝐞𝐧𝐭 𝐕𝐚𝐥𝐢𝐝𝐚𝐭𝐢𝐨𝐧 𝐨𝐟 𝐏𝐚𝐲𝐞𝐞: 𝐀 𝐋𝐨𝐨𝐤 𝐚𝐭 𝐭𝐡𝐞 𝐋𝐞𝐠𝐚𝐥 𝐄𝐧𝐭𝐢𝐭𝐲 𝐈𝐝𝐞𝐧𝐭𝐢𝐟𝐢𝐞𝐫 (𝐋𝐄𝐈) 𝐚𝐬 𝐚 𝐏𝐫𝐚𝐜𝐭𝐢𝐜𝐚𝐥 𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧."     In this insightful session, industry leaders shared how LEIs are shaping the future of global payments. Here’s a quick preview of what you’ll discover:    ✨ 𝐓𝐡𝐞 𝐏𝐫𝐨𝐛𝐥𝐞𝐦: Payment delays, fraud, and inconsistencies across borders are costing businesses billions annually.    🔑 𝐓𝐡𝐞 𝐎𝐩𝐩𝐨𝐫𝐭𝐮𝐧𝐢𝐭𝐲: LEIs provide a standardised way to identify businesses globally, minimising errors and improving transaction confidence.    🚀 𝐓𝐡𝐞 𝐖𝐚𝐲 𝐅𝐨𝐫𝐰𝐚𝐫𝐝: Collaboration is key – from education and awareness to building scalable, cost-effective solutions for all.  This discussion is packed with actionable insights for anyone passionate about improving payments infrastructure.    We always turn to our members for thought leadership, thank you to GLEIF for making this event possible and to our panelists Alexandre Kech, Alain Raes, Azleena Idris and Dima Postnikov for their insights and expertise.    Watch the recording and share your takeaways or questions about LEIs and their potential in payments in the comments. Let’s keep the conversation going! Camilla Bullock Linda Stanojevic Sally Sternecker Monica Jasuja Danelle Denny Niamh Laing Jorge Vega Xue Tan Ines Gensinger Rahul Bhargava May Lam 林希文 Nigel Lee Carrie Suen Kanv Pandit Holly Dorber Pratyush Prasanna Amira Karim Dr Brad Pragnell Nilixa Devlukia Richard Reid Antony Morris Rajiv Madane Leanne Bradley Lance Blockley Lars Sjögren Raphael Jansa Mika von Haartman Tony Seno Hartono Jan McGrath Mary Ann Francis 🌟 Danny Levy #PaymentsInnovation #LEI #CrossBorderPayments