12 - 14 November 2025, Singapore
12 - 14 November 2025, Singapore
Celebrating the last decade of progress
Celebrating the last decade of progress
Celebrating the last decade of progress
Celebrating the last decade of progress
Celebrating the last decade of progress
Celebrating the last decade of progress
We mark a decade of innovation driven by public-private collaboration. We celebrate the resilience of a community that advanced Open Banking, embedded finance, API-driven architectures, and cross-border digital asset pilots to broaden access, strengthen financial systems, and unlock new opportunities for impactful innovation.
Addressing the unresolved challenges
Addressing the unresolved challenges
Addressing the unresolved challenges
Addressing the unresolved challenges
Addressing the unresolved challenges
Addressing the unresolved challenges
Despite progress, critical challenges remain - the USD 5.2 trillion SME finance gap, 1.4 billion unbanked, and ageing populations. SFF will address issues like transparency, data privacy, cybercrime, and sustainability, framing opportunities for collaboration that will foster more resilient, inclusive, and secure financial ecosystems.
Building the future pathways for growth
Building the future pathways for growth
Building the future pathways for growth
Building the future pathways for growth
Building the future pathways for growth
Building the future pathways for growth
The next decade will be shaped by AI, Tokenization, and Quantum Computing. We will unpack how their secure, interoperable, and inclusive deployment will drive new liquidity, build a more connected global economy, and unlock new growth corridors.
Former General Manager
Bank for International Settlements (BIS)
Former General Manager
Agustín Carstens served as General Manager of the BIS from 1 December 2017 to 30 June 2025. Under his tenure, the BIS Innovation Hub was created.
Mr Carstens was Governor of the Bank of Mexico from 2010 to 2017. A member of the BIS Board from 2011 to 2017, he was chair of the Global Economy Meeting and the Economic Consultative Council from 2013 until 2017. He also chaired the International Monetary and Financial Committee, the IMF's policy advisory committee from 2015 to 2017.
Mr Carstens began his career in 1980 at the Bank of Mexico. From 1999 to 2000, he was Executive Director at the IMF. He later served as Mexico’s deputy finance minister (2000–03) and as Deputy Managing Director at the IMF (2003–06). He was Mexico's finance minister from 2006 to 2009.Mr Carstens was member of the Financial Stability Board from 2010 to 2025 .
Mr Carstens is a member of the Group of Thirty and recently joined the GFTN International Advisory Board.
Mr Carstens holds an MA and a PhD in economics from the University of Chicago.
G20 Sherpa
India
G20 Sherpa
Amitabh Kant is presently India’s G20 Sherpa. The G20 or the Group of Twenty is a forum where policymakers of industrialized and developing economies meet to discuss key issues in the global economy. The G20 countries account for 85% of global GDP, 75% of world trade and about two-thirds of the world’s population.
Amitabh Kant is a governance reformer and a public policy change agent for India, having driven key reforms and initiatives during his tenure as the Chief Executive Officer of the National Institution for Transforming India (NITI Aayog) (2016-2022) and the Secretary of the Department for Industrial Policy and Promotion (DIPP) (2014-2016), Government of India. He has been a key driver of flagship national initiatives such as Startup India, Make in India, Incredible India, Kerala: God’s Own Country and the Aspirational Districts Program. These initiatives have repositioned India and Kerala and have widely been recognized as transformational.
President
Center for Financial Studies
President
Prof. Dr. Axel A. Weber is President of the Center for Financial Studies, Goethe University Frankfurt. He is the Chairman of the Board of Directors of RAISIN SE, Chairman of the VISA Economic Empowerment Institute, Chairman of the Trilateral Commission Europe and a Member of the Group of Thirty. He also is a Member of the TEMASEK International Advisory Council and Senior Advisor to CVC Advisors Limited and Boston Consulting Group. He previously was Chairman of the Board of Directors of UBS Group AG.
From 2004 to 2011 Weber was President of the Deutsche Bundesbank and a member of the governing council of the European Central Bank. In recent years he has also acted as a member of the steering committee of the European Systemic Risk Board and as a member of the steering committee of the Financial Stability Board. Dr. Weber served as German Governor at the International Monetary Fund. He was a member of the German Council of Economic Experts (2002-2004), of the expert advisory panel to the Deutsche Bundesbank, of the Board of Directors of the Bank for International Settlements, of the G7 and the G20 Ministers and Governors, and a member on the Grant Commissioning Panel of the Economic and Social Science Research Council of the United Kingdom.
Founder & Chief Executive Officer
NALA
Founder & Chief Executive Officer
Benjamin Fernandes is an award-winning Tanzanian speaker and entrepreneur. Benjamin grew up in Tanzania then earned scholarships that took him to America for the first time at the age of 17.
At age 21, Benjamin was the youngest African in history to ever be accepted into Stanford Graduate School of Business. He holds an MBA from Stanford Graduate School of Business and an Exec Ed from the Harvard Kennedy School of Government, being the first Tanzanian to attend both institutions.
Fernandes was previously a national television personality in Tanzania. After that, he worked at The Bill and Melinda Gates Foundation in the United States.
Fernandes founded NALA, a fintech startup that is on a mission to build payments for the next billion. NALA operates across 21 countries in Europe, the US and the UK with nearly 150 employees. NALA raised a total of $50m backed by leading US investors such as Y-Combinator, Accel, Acrew, Amplo and Bessemer Partners. NALA was listed under the Forbes Fintech 50 in 2025.
In 2020, Fernandes was listed as the 15th most influential Tanzanian. In 2022, Fernandes was listed in the inaugural ROW100 most influential technology leaders in the world. In 2023, Fernandes was listed on the Top 100 Changemakers list for Africa. In 2024, Forbes online featured Fernandes on their daily cover with a cover story.
Co-founder & Chief Executive Officer
Arta
Co-founder & Chief Executive Officer
Caesar Sengupta is the CEO and co-founder of Arta. Arta is a digital wealth platform for the savvy. Available globally to accredited investors, Arta is democratizing private banking by combining access to exclusive investment opportunities with powerful AI to give millions more access to financial superpowers that have been the preserve of the ultrawealthy till now. Arta was founded by ex-Google executives and is backed by Peak XV, Ribbit Capital, Coatue, EDBI and over 140 luminaries in tech and finance including Ralph Hamers, Eric Schmidt, Sundar Pichai & Michael Miebach.
This is a continuation of Caesar's passion for using technology to bring greater access. In his last role at Google as VP & GM of Payments & the Next Billion Users initiative, he led Google Pay, which went from 0 to 200M+ users in ~5 years. Prior to that, he started and led Chromebooks to become the #1 device used in education and #2 overall and helped drive strategic investments for Google into Asian unicorns like GoTo (Indonesia), Reliance Digital (India), Glance (India) etc. Caesar previously worked as an engineer at Encentuate (acq. IBM) and HP Labs.
Caesar has an MBA from Wharton, an MS in CS from Stanford, and holds 16 patents in operating systems design. He and his wife are members of the UNICEF International Council and Founding Philanthropists of The/Nudge Foundation. He is based in Singapore. To see his LinkedIn profile, please visit: https://www.linkedin.com/in/caesar-sengupta/
Co-founder & Chief Executive Officer
Paxos
Co-founder & Chief Executive Officer
Charles Cascarilla is the CEO and co-founder of Paxos, a regulated blockchain infrastructure platform that enables the movement of all assets in a trustworthy way. With more than 20 years of experience in financial services, Charles has a unique perspective on integrating blockchain technology with traditional systems. He co-founded institutional asset management complex Cedar Hill Capital Partners in 2005 and its venture capital subsidiary, Liberty City Ventures, in 2012.
Charles has been a leader in introducing regulatory frameworks to the blockchain industry by securing the first Trust charter for digital assets and by testifying to the US Senate and House of Representatives on the merits of this technology for the global economy. He was also a founding member of CoinCenter and the Association for Digital Asset Markets. Earlier in his career, Charles was a portfolio manager at Claiborne Capital and an analyst at both Bank of America Securities and Goldman Sachs. He serves on the board of several charities and private companies including Project ALS and The Centurion Foundation.
Charles holds a B.B.A. in Finance from the University of Notre Dame and is a CFA charterholder.
Governor
National Bank of Cambodia
Governor
Serey Chea is the Governor of National Bank of Cambodia. She is passionate about financial inclusion and women economic empowerment. Achievements under her leadership include the establishment of Credit Bureau Cambodia in 2012 that propelled Cambodia’s Ease of Access to Finance to number 7 worldwide in 2017 by the World Bank, the introduction of Bakong, a national backbone payment system using DLT allowing interoperability amongst all financial service providers making financial services more accessible and affordable, and the introduction of financial literacy into the general education program. Serey holds a PhD in economics and was internationally recognized as a Level A- Central Bank Governor by Global Finance in 2024 and 2025 for her leadership.
Chief Services Officer
Mastercard
Chief Services Officer
Craig Vosburg is chief services officer at Mastercard and a member of the company’s Executive Leadership Team and Management Committee. He leads the team responsible for Mastercard’s value-added services, a critical set of growth enablers that differentiate payment offerings and diversify revenues.
Services integrates key growth areas that solve real-world problems and drive impact for customers, including fraud management, risk and cybersecurity, consulting and marketing services, as well as insights, analytics, loyalty and personalization programs. Under Craig’s leadership, the team is also scaling new networks in global open banking and digital identity, and championing enterprise-wide innovation by leveraging AI and its in-house lab, the Foundry.
Craig previously served as Mastercard’s chief product officer, leading the global Product & Engineering organization. Previously, he was president of North America, where he was responsible for the company’s operations and customer-facing activities in the U.S. and Canada, amongst several other leadership roles.
Earlier in his career, Craig was a senior member of the financial services practices with Bain & Company and A.T. Kearney as well as vice president at CoreStates Financial Corporation.
Craig sits on the board of directors of Hawaiian Airlines, the Sultana Education Foundation, and the board of trustees of CancerCare. He is a past David Rockefeller Fellow at the Partnership for New York City. Craig holds a Master of Business Administration from the University of Pennsylvania’s Wharton School and a Bachelor of Science degree in Business Administration from Bucknell University.
Chairman
Ant Group
Chairman
Mr. Eric Jing is the Chairman of Ant Group. He joined Alibaba Group in 2007 and was appointed President of Ant Group in June 2015. Eric served as the Chairman and CEO of Ant Group from April 2018 to February 2025.
Under his leadership, Ant Group has grown into a world-leading internet open platform that delivers inclusive digital financial products, lifestyle services, and technological solutions to billions of consumers and SMEs through constant innovation and strategic partnerships globally.
Mr. Jing serves as a senior advisor to the World Bank's Identification for Development (ID4D) Initiative and is a board member of the Young Global Leaders Foundation at the World Economic Forum. He has also served on various high-level advisory boards, including the UN Secretary-General’s Digital Taskforces and the International Monetary Fund (IMF).
Mr. Jing received his Bachelor’s degree in Engineering from the College of Economics & Management, Shanghai Jiao Tong University in 1994. In 2005, he obtained his Master's degree in Business Administration after completing the EMBA program at the Carlson School of Management, University of Minnesota, U.S.
Chief Economist
ASEAN+3 Macroeconomic Research Office
Chief Economist
Mr. Dong He is AMRO’s Chief Economist responsible for country and regional surveillance, as well as research on the ASEAN+3 economies.
Prior to AMRO, he served as Deputy Director of the Monetary and Capital Markets Department at the International Monetary Fund (IMF), shaping its global financial stability agenda.
Mr. He started his career as country economist in 1993 at the World Bank through the Young Professionals Program. He later joined the IMF, covering Article IV consultations, Financial Sector Assessment Programs, and technical assistance missions. Mr. He subsequently took up senior positions at the Hong Kong Monetary Authority (HKMA), serving as HKMA’s Executive Director of Research and Director of the Hong Kong Institute for Monetary Research from 2009-2014.
Mr. He holds a Ph.D. in Economics from the University of Cambridge.
Chief of Global Digital Finance
International Finance Corporation
Chief of Global Digital Finance
Hector Shibata is an experienced investment professional specializing in Venture Capital, Private Equity, and Corporate Investment Banking. He is the Chief of Global Digital Finance at the IFC in Washington DC, focusing on debt financing to fintechs, tech-enabled companies, and funds in emerging markets to promote financial inclusion, financial health, gender equality, and sustainability. Previously, Hector was a Venture Partner at Acacia Venture and led AC Ventures, a Corporate Venture Capital fund sponsored by a Coca Cola bottler, where he invested in global VC funds and startups. He also serves as board member and President of the Entrepreneurship, Innovation, and Venture Capital Committee at the Mexican Institute of Finance Executives (IMEF)
and has been an adjunct professor, teaching Venture Capital and Entrepreneurial Finance at EGADE Tec de Monterrey.
President
Deutsche Bundesbank (Germany)
President
Joachim Nagel has been President of the Deutsche Bundesbank since January 2022. Prior to this, he had already served in various management positions at the Bundesbank from 1999 to 2016, including as an Executive Board member from 2010 whose responsibilities included the Directorates General Markets, Controlling and IT. Between 2008 and 2016, he also headed up the Bundesbank’s financial crisis task force. Joachim Nagel worked for the KfW Group from 2016 to 2020, initially serving one year as General Manager before becoming a member of its Executive Board, in which capacity he oversaw foreign credit business and development cooperation. In 2020, he moved to the Bank for International Settlements (BIS) where he became Deputy Head of the Banking Department. Joachim Nagel studied economics at the University of Karlsruhe from 1985 to 1991 and received a doctoral degree in 1997. He has been an honorary professor at the Baden-Wuerttemberg Cooperative State University (DHBW) since 2017. Alongside his role as President of the Bundesbank, Joachim Nagel serves as a member of the Governing Council of the European Central Bank, a Governor at the International Monetary Fund and a member of the BIS Board of Directors.
Chief Executive Officer
Kasikornbank
Chief Executive Officer
Kattiya Indaravijaya is the first non-family and one of the first female CEOs among top-tier banks in Southeast Asia. She began her career at KASIKORNBANK PCL (KBank) in 1987, later earned a KBank scholarship, and returned to continue serving the Bank ever since. Over more than three decades, she has accumulated diverse experience across corporate strategy, digital transformation, investment banking, retail banking, finance, marketing, and human resources.
Appointed CEO in 2020, she has led KBank through periods of economic uncertainty, including the COVID-19 crisis and rapid industry disruption, by harnessing advanced technology, AI, and human potential to achieve sustainable growth. Guided by KBank’s vision as a Bank of Sustainability, KBank strives to drive sustainable prosperity by elevating and unleashing the full potential of every life and business across Thailand and ASEAN+3 through trusted, innovative financial solutions
Under her leadership, KBank has solidified its No.1 position in Thailand in digital payments, mobile banking, and wealth management, while earning widespread domestic and global recognition. In 2024, she was recognized as one of the Top 30 in Fortune’s Most Powerful Women Asia, underscoring her influence in shaping the future of banking in the region.
President & Chief Executive Officer
Accion
President & Chief Executive Officer
Michael Schlein brings nearly 30 years of extensive international banking, management, and public service experience to his role as President and CEO of Accion. He is responsible for creating and implementing Accion’s strategy, managing its global team, and maintaining a high-performing organization.
Michael’s strategic leadership has built Accion into a leading early-stage investor in fintech for inclusion and an expert in the digital transformation of financial service providers. During his tenure, he has cultivated partnerships that strengthen Accion’s work to develop and scale cheaper, more accessible, and customer-friendly financial solutions for underserved people globally.
Michael joined Accion in 2007 as a member of its Board of Directors and in 2009, became Accion’s President and CEO. Prior to his employment at Accion, Michael served as President of Citigroup’s International Franchise Management, where he managed the bank’s network of 100 Chief Country Officers. Before that, he ran communications, philanthropy, government relations, branding, and human resources for Citigroup. He served as Chief of Staff at the U.S. Securities and Exchange Commission in the Clinton Administration and in New York’s City Hall in the Dinkins and Koch Administrations. He began his career in investment banking.
From 2014 until Jan. 2021, Michael served as the Chairman of the New York City Economic Development Corporation, which encourages economic growth throughout New York City’s five boroughs and facilitates investments that build capacity, generate prosperity, and catalyze the economic vibrancy of city life as a whole. Michael has graduate and undergraduate degrees from the Massachusetts Institute of Technology, where he graduated Phi Beta Kappa.
President
Ripple
President
Monica Long is the President of Ripple where she leads the company’s Business, Product and Engineering teams, collectively working to make Ripple the one-stop shop to move, manage, hold and tokenize value. Since joining Ripple in 2013 as its first marketing and communications hire, Monica has played a pivotal role in shaping the company’s growth and driving innovation in financial services.
Monica serves as Executive Sponsor of the Women at Ripple Employee Resource Group. Recognized among the Bay Area’s Most Influential Women in Business in 2020, Monica has spent her career at the forefront of fintech, previously holding roles at Intuit and managing PR for groundbreaking startups like Prosper. She holds a BA from UC Berkeley.
Co-founder & Chairman
Infosys
Co-founder & Chairman
Nandan Nilekani is the Co-Founder and Chairman of Infosys Technologies Limited. He was the Founding Chairman of the Unique Identification Authority of India (UIDAI) in the rank of a Cabinet Minister from 2009- 2014. Nandan has co-founded and is the Chairman of EkStep Foundation, a not-for-profit effort to create a learner centric, technology based platform to improve basic literacy and numeracy for millions of children. In Jan 2023, he was appointed as the co- chair of the “ G20 Task Force on Digital Public Infrastructure for Economic Transformation, Financial Inclusion and Development”.
Born in Bengaluru, Nilekani received his Bachelor’s degree from IIT, Bombay. Fortune Magazine conferred him with “Asia’s Businessman of the year 2003”. In 2005 he received the prestigious Joseph Schumpeter prize for innovative services in economy, economic sciences and politics .In 2006, he was awarded the Padma Bhushan. He was also named Businessman of the year by Forbes Asia. Time magazine listed him as one of the 100 most influential people in the world in 2006 & 2009. Foreign Policy magazine listed him as one of the Top 100 Global thinkers in 2010. In 2014, He won The Economist Social & Economic Innovation Award for his leadership of India’s Unique Identification initiative (Aadhaar). In 2017, he received the Lifetime Achievement Award from E & Y. CNBC- TV 18 conferred India Business leader award for outstanding contributor to the Indian Economy-2017 and he also received the 22nd Nikkei Asia Prize for Economic & Business Innovation 2017. He has been inducted as International Honorary Member of the American Academy of Arts and Sciences in 2019.Business Standard Annual awards 2022 conferred, “The Life Time Achievement Award”. TIME Magazine has featured him on 100 Most Influential People in AI- 2024.
Nandan Nilekani is the author of “Imagining India”, co- authored his second book with Viral Shah, “Rebooting India: Realizing a Billion Aspirations” and co-authored his third book with Tanuj Bhojwani, “ The Art of Bitfulness: Keeping calm in the digital world” released in Jan 2022.
Former Governor
Central Bank of Kenya
Former Governor
Dr. Patrick Njoroge served as the ninth Governor of the Central Bank of Kenya from June 2015 to June 2023, after a 20-year career at the International Monetary Fund. He is currently a member of the Advisory Boards of the "Yale Program on Financial Stability" and the "Global Finance and Technology Network," chair of the "Africa Financial Industry Summit" (AFIS) Supervisory Council, and a member of the Africa Expert Panel for South Africa’s G20 Presidency. He has received several awards and recognitions, including four awards for Africa’s Central Banker of the Year, and recognition in 2023 as a Top 25 African Finance Leader. He holds a PhD in Economics from Yale University.
Founder & Chief Executive Officer
Thought Machine
Founder & Chief Executive Officer
Paul Taylor is the founder and CEO of Thought Machine, the leading cloud-native core banking and payments technology provider. Thought Machine is present in 26 countries with a client list of more than a dozen Tier 1 banks worldwide.
Thought Machine is eradicating the outdated legacy technology prevalent in the banking industry. Its next-generation core platform enables banks to migrate away from old systems and launch highly differentiated, modern propositions.
Before founding Thought Machine, Paul successfully launched two companies, the second of which was acquired by Google in 2010. At Google, he led the text-to-speech team, which developed cutting-edge technology that is now found in all of Google's navigation and voice search products. Paul holds a PhD in AI and has held teaching positions at Edinburgh and Cambridge Universities.
Advisor, DG FISMA
European Commission
Advisor, DG FISMA
Peter advises on Technological Innovation, Digital Transformation and Cybersecurity at the European Commission’s financial services department. He has lead work on the European Commission’s Fintech Action Plan and Digital Finance Strategy and co-chaired the European Commission’s Fintech Taskforce. Peter is often referred to as the architect of Mica (the EU Markets in Crypto Assets Regulation) and Dora (the EU Digital Operational Resilience Act).
Peter has extensive experience in EU policy and regulation in a wide variety of fields, including single market, financial services, digitalisation, security, foreign policy sanctions, consumer protection as well as health and food safety. Earlier in his career, Peter was Finance Counsellor at the EU Embassy in Washington DC. He has also been a member of the private offices of the commissioner for the internal market and services and the commissioner for health and consumer protection. Before joining the European Commission, Peter advised major corporations on EU policy and regulatory affairs.
He is a Dutch national and holds double magna cum laude master degrees in European affairs and political science from the College of Europe in Bruges and the University of Leuven, Belgium. He is an Adjunct Professor of Law at Vanderbilt University Law School and a consummate public speaker.
Founder & CEO
Nium
Founder & CEO
Prajit Nanu is the co-founder and CEO of Nium, a leader in real-time global money movement. Nium provides payments and card issuance services that redefine how businesses around the world pay and get paid. As CEO, he leads the company’s corporate and product strategy as Nium moves toward a vision of frictionless global commerce.
Based in the company’s co-headquarters in San Francisco, Prajit is currently focused on expanding the breadth, depth, speed, and reach of the Nium platform, creating more ways for money to move fast, safe, and easy. Today, Nium operates in 20 countries, providing the ability for businesses to send money to more than 190 countries – 100 of which in real-time, receive money in 35 countries, and issue cards in 35 markets.
Under his leadership, Nium has won several accolades, including being named thrice to the CB insights Fintech 250, twice to the Forbes Fintech 50, and annually to the Financial Times list of High-Growth Companies. Nium’s first service was its business-to-consumer service, Instarem. Instarem has grown to be a world leader, currently helping consumers and small businesses move billions of dollars around the world. Prajit was responsible for setting up Nium operations in Australia, Hong Kong, Singapore, India, Indonesia, Japan, Malaysia, the United Kingdom, and the United States.
Prior to co-founding Nium, Prajit held leadership positions in various global organizations. He was the Global Sales Director at TMF Group, a multinational professional services firm headquartered in Amsterdam, and was the Vice President of Sales and Account Management at WNS Global Services, a business process management company. Prajit holds a Bachelor’s in Commerce & Economics from the University of Mumbai.
Founder
The Ethical Hacker
Founder
Ralph Echemendia is a world-renowned cyber security expert, known internationally by his alter ego “The Ethical Hacker.” For over 25 years, Ralph has delivered training on hacking and other security information to corporations including the US Marine Corps, NASA, Google, Microsoft, Oracle, AMEX, Intel, Boeing, Symantec, and IBM.
His portfolio of work and reputation as a leading professional across several industries has landed him the credibility to make appearances on CNN, Fox News, USA Today, and Forbes, to name a few. Ralph took his talents to Hollywood, California and has worked with award-winning Director Oliver Stone as a technical supervisor on films such as “Savages” and “Snowden” as well as as other projects such as the film “Nerve” and award-winning TV series Mr. Robot.
He has now joined forces with some of the music industry and Hollywood’s most influential names to provide production content protection. Ralph has also been a featured speaker/panelist/keynote at events such as TEDxMiami, Money 20/20, DigitalK in Bulgaria, WoHiT in Barcelona, The Customer Contact Expo in London, Georgetown Law University Cyber Event, WHiNN in Denmark, Raytheon’s Public Sector Cybersecurity Summit in Washington, DC, Austin’s South by Southwest ® (SXSW ®), the LA Film Festival, the Tribeca Film Festival, Pioneers Festival 17 in Vienna and Web Summit to name a few.
His jaw dropping “Hacking Hollywood” appearance has been presented at Creative Artists Agency, the Digital Entertainment World Expo, the Content Protection & Piracy Summit, as well as the Anti-Piracy and Content Protection Summit.
IBM Fellow & Vice President
IBM
IBM Fellow & Vice President
Ray Harishankar is an IBM Fellow in IBM Research focused on Quantum Safe. Ray is responsible for driving the overall strategy for IBM Quantum Safe, quantum safe products and product engineering. Ray leverages the deep technical expertise of IBM in security services, post quantum cryptography and pragmatically applies it at clients. He advocates IBM capabilities and leadership in Quantum Safe with clients.
Ray engages with customers across Insurance, Banking, Tele-Communications and Government and is on the technology advisory council for selected clients and universities.
Ray was nominated as an IBM Fellow in ’06, named an Asian American Engineer of the Year, a Distinguished Alumnus by the OSU College of Engineering and included in Marquis Who’s Who. He holds 25 patents.
Chief Executive Officer
Toss Bank
Chief Executive Officer
[Education]
2016 MBA Columbia, London Business School, and HK University
1999 MA Master of Interpretation and Translation: Ewha Woman’s University
1996 BS Bachelor of Computer Science and Engineering,
Minor in Business Administration: Sogang University
[Professional Experience]
2004~present Toss Bank, CEO
2023~2024 DGB Daegu Bank, CFO/CSO/CDO
2019~2023 HSBC, Korea & Regional CFO/Commercial Banking APAC
2011~2019 Deutsche Bank, Korea CFO
2007~2011 Standard Chartered Bank, Director of Strategy
[Qualifications]
2010 FRM (GARP)
2006 CFA (CFA Institute)
2002 US CPA (AICPA)
Chief Executive Officer
Binance
Chief Executive Officer
Richard Teng is an experienced executive with over three decades of financial services and regulatory experience. Richard has been the CEO of Binance since his appointment in November 2023. By working closely with various stakeholders including regulators, policymakers, industry players and users, Richard is furthering the growth of Binance in a compliant and sustainable manner. Prior to this role, Richard held various senior leadership roles within the company since joining in August 2021.
Before joining Binance, Richard was CEO of the Financial Services Regulatory Authority at Abu Dhabi Global Market (ADGM), where he showcased his capabilities as one of the world’s foremost innovative regulators. Richard’s vast experience also includes being the Chief Regulatory Officer of the Singapore Exchange (SGX) and the Director of Corporate Finance in the Monetary Authority of Singapore.
Richard received his Masters in Applied Finance from the University of Western Australia.
Chief Administrative Officer
Mastercard
Chief Administrative Officer
Rich Verma is chief administrative officer for Mastercard, overseeing the company’s Law, Government Affairs and Policy, Franchise, Corporate Security, Community & Belonging and Global Entity Governance functions. He is a member of the company’s Executive Leadership Team and Management Committee.
Rich has a distinguished background as a public servant. He was deputy secretary of state for management and resources from 2023 to 2025, acting as chief operating officer for the State Department. He was also previously the U.S. ambassador to India and led one of the largest U.S. diplomatic missions championing historic progress in bilateral ties.
Rich also has extensive experience in the private sector. Prior to his State Department tenure, Rich was chief legal officer and head of global public policy at Mastercard. He is a former partner at Steptoe & Johnson and vice chairman of The Asia Group.
He is a U.S. Air Force veteran and the recipient of numerous military and civilian decorations. Rich is a board member of the Ford Foundation and the inaugural President’s Distinguished Fellow at Lehigh, where he earned his Bachelor of Science. Rich also holds post-graduate degrees from American University and Georgetown University, including a PhD in International Relations from Georgetown.
Senior Principal Scientist
Adobe
Senior Principal Scientist
Roy T. Fielding, Senior Principal Scientist at Adobe, is known for his pioneering work on the World Wide Web, open source, and software architecture. He is a founder and former chairman of The Apache Software Foundation, author of the Apache License 2.0, and editor of the IETF standards for HTTP, URI, and URI Templates. Dr. Fielding defined the REST architectural style in his Ph.D. dissertation in Information and Computer Science at the University of California, Irvine.
Consultant Neurologist
Sid Warrier Brain Clinic
Consultant Neurologist
Siddharth Warrier is a Mumbai – based doctor and neurologist. He completed his medical studies from Mumbai, India. And his masters in Neurology course from SGPGI Hospital, Lucknow. He has completed his MRCP UK degree from London.
He is a public speaker and teacher. On his YouTube channel, with more than half a million followers, he teaches neuroscience, mental health and spirituality. His videos explore themes of human behaviour, destigmatizing mental health and facilitating conversations on behaviour change, mindfulness and learning.
Operating Partner
Blackstone Growth Equity
Operating Partner
Sunil Sabharwal is a highly successful, experienced fintech executive, and currently is Chairman of TookiTaki, an AI-native Compliance & AML solutions company headquartered in Singapore. He is an investor and on the boards of Thunes (Singapore), DTOne (UAE) and Finexio (USA). Mr Sabharwal was Chairman of Earthport, a regulated cross-border payments company, which he sold to Visa. He also served as the US board member at the IMF across two administrations, a position requiring Senate confirmation, and received US Treasury’s Distinguished Service Award. Mr Sabharwal was also Chairman of Ogone, a leading European payment services company, subsequently sold to Ingenico. Before setting up his own firm, he had a career with GE Capital, First Data Corporation, the EBRD, Coopers and Lybrand and GTE.
Mr Sabharwal has a long-standing engagement with the Olympic movement as a volunteer leader, including with an International Olympic Committee (IOC) commission, World Athletics, the International Fair Play Committee, and the International Fencing Federation (FIE).
Chief Executive Officer
DBS Bank
Chief Executive Officer
Ms Tan Su Shan is the CEO and Director of DBS Group. DBS is the largest bank in Southeast Asia.
Su Shan was previously the Deputy CEO and Group Head of Institutional Banking, and before that, Group Head of Consumer Banking and Wealth Management for close to a decade. She was also the President Commissioner for PT Bank DBS Indonesia from 2014 to 2024.
Su Shan has over 35 years of experience in consumer banking, wealth management and institutional banking. Besides Singapore, she has experience in major financial centres such as Hong Kong, Tokyo and London. Before joining DBS, Su Shan was Morgan Stanley’s Head of Private Wealth Management for Southeast Asia. She has also worked at Citibank and prior to that at ING Barings.
She served as a Nominated Member of Parliament in Singapore from 2012 to 2014. In August 2025, Su Shan was also appointed by the Singapore Government to the Economic Strategic Review Committee on Global Competitiveness which seeks to strengthen Singapore’s economic standing and relevance to the world.
In 2025, Su Shan ranked 6th globally in Fortune’s Most Powerful Women in Business List, making her the only Singaporean to feature in the Top 10. In 2024, she was also featured on Forbes Asia’s Power Businesswomen List.
In 2019, The Asset named Su Shan as one of the six women in Asia who are likely to influence and feature prominently in shaping the banking and associated financial services industry in Asia.
In 2018, she was nominated by Forbes Magazine as a “Top 25 Emergent Asian Woman Business Leader”. In the same year, she was also named “Retail Banker of the Year”, by the Digital Banker in their inaugural Global Retail Banking Innovation Awards. She was awarded the “Lifetime Achievement” award at the WealthBriefingAsia 2018 Awards.
In October 2014, Su Shan became the first Singaporean to be recognised as the world’s “Best Leader in Private Banking” by PWM/The Banker, a wealth publication by the Financial Times Group.
Su Shan sits on the advisory board of Dyson’s family office, Weybourne Holdings, as well as on the boards of the Singapore Economic Development Board and Climate Impact X Pte Ltd. She was previously on the board of the Central Provident Fund of Singapore (CPF Board), MPACT Management Ltd. (the Manager of Mapletree Pan Asia Commercial Trust), EvolutionX Debt Capital Pte. Ltd. (a fund focused on growth debt, founded jointly by Temasek and DBS), and The Singhealth Fund Limited, which provides financial support to needy patients.
Married with two children, Su Shan is actively involved in fund-raising efforts for various Singapore charities. She is a member of the International Women’s Foundation and the Young Presidents Organisation, as well as an advisor to Oxford University's Lincoln College. She is also the Founder President of the Financial Women’s Association in Singapore, a non-profit organisation she founded and pioneered in 2001 to help develop and mentor women in the financial industry.
Su Shan graduated with a Master of Arts from Lincoln College, Oxford University where she studied Politics, Philosophy and Economics. She has also completed executive leadership courses in Harvard Business School, Stanford Business School, and Singularity University.
Founder & Chief Executive Officer
Paytm
Founder & Chief Executive Officer
Vijay Shekhar Sharma, Chairman, MD, and CEO of One97 Communications
Vijay Shekhar Sharma is the founder of Paytm and an Indian technology innovator who has transformed the mobile payments and financial services distribution landscape in the country. He led India’s shift towards a mobile-first economy and pioneered innovations such as QR code-based payments, Soundbox, and card machines—redefining the way Indians transact.
A firm believer in the power of emerging technologies, Vijay has been at the forefront of India's Artificial Intelligence revolution, driving advancements that enhance financial inclusion, strengthen digital infrastructure, and drive innovation in the payments ecosystem.
He is also a prolific investor, supporting startups across fintech, e-commerce, and technology, shaping the future of India’s tech landscape and reinforcing the country’s position as a global leader in digital advancements.
Deputy President Executive Officer, Co-Head of Global Banking Unit
Sumitomo Mitsui Banking Corporation (SMBC)
Deputy President Executive Officer, Co-Head of Global Banking Unit
Since joining SMBC in 1988, Yoshihiro (Hiro) Hyakutome has built extensive experience in corporate banking, structured finance and business development. From 1993 to 2011, he was based in New York, where he held managerial positions across departments including special credit, corporate finance, structured finance, and leasing finance. Between 2011 and 2017, he served in Tokyo as General Manager in various roles within the International Banking Unit and Emerging Markets Business Department. From April 2018 to March 2019, he was Deputy Head of the Asia Growing Markets Division, based in Jakarta. He became CEO of SMBC Americas Division and SMBC Americas Holdings, Inc. in April 2019 and served as Group Chief Compliance Officer from April 2022. Since April 1, 2024, Hiro has been leading SMBC’s global business as Co-Head of the Global Banking Unit, and he was appointed Deputy President Executive Officer on April 1, 2025.
Insights Forum*
Sands Expo & Convention Centre
The invitation-only Insights Forum, held under Chatham House rules and designed to facilitate actionable outcomes through meaningful dialogue, will be run over two days prior to the Singapore FinTech Festival in 2025.
The Forum is a platform for:
Insights Forum
Breakfast Briefings
Held throughout the year across Elevandi’s global initiatives, these long-form roundtable discussions are held under Chatham House rules, fostering open and in-depth public-private sector leadership dialogues and promoting tangible results.
Steered by a regulator or policymaker, each roundtable is purposefully tailored to drive actionable outcomes, from whitepapers to the initiation of a working group or the declaration of a new commitment.
Insights Forum
32 Public-Private Roundtables
Held throughout the year across GFTN’s global initiatives, these long-form roundtable discussions are held under Chatham House rules, fostering open and in-depth public-private sector leadership dialogues and promoting tangible results.
Steered by a regulator or policymaker, each roundtable is purposefully tailored to drive actionable outcomes, from whitepapers to the initiation of a working group or the declaration of a new commitment.
Insights Forum
36 Workshops | 8 Boardrooms
Network with central bankers, regulators, policymakers, industry leaders, technologists, and investors at the daily networking reception, open to all Forum attendees!
Co-located event
MUFG Fintech Festival
Co-located event
Green 100 Circle
Insights Forum
DPI Risk Mapping Design Thinking
SFF Innovation Lab Crawl
Take a tour of the most cutting-edge FinTech innovation labs in Singapore. The Innovation Lab Crawl will give attendees the opportunity to step inside the innovation labs and witness the latest up-and-coming projects and innovations in the FinTech industry.
Singapore FinTech Festival 2025
Hall 1 - 6, Singapore Expo
The Singapore FinTech Festival is a global nexus where policy, finance, and technology communities converge. Designed to foster impactful connections and collaborations, SFF is a platform to explore the intersections of cutting-edge financial solutions, evolving regulatory landscapes, and the latest technological innovations.
Across 5 halls
Exhibition
Explore the forefront of financial innovation at the Singapore FinTech Festival's exhibition. With over 600 exhibitors and 41 international pavilions, discover cutting-edge solutions and emerging technologies redefining the financial landscape – free to access with a Trade Visitor pass.
Festival Stage
The Festival Stage features macro perspectives on the state of policy and other developments, as well as progress on key fronts. Over three days, global leaders, policymakers, and innovators will share their insights on finance, technology, sustainability, and related fields, providing a comprehensive perspective on the forces shaping the global economy.
Founders Stage
The Founders Peak Stage brings TED-inspired sessions that celebrate the spirit of entrepreneurship in fintech. Hear founders from around the world share their personal journeys, hard-earned lessons, and practical wisdom with investors and the wider fintech community. Expect inspiring stories, fresh perspectives, and insights to boost startup success and empower the next generation of innovators.
Catalyst Stage
The Catalyst Stage is where the future of fintech talent takes centre stage. Expect dynamic pitches from young visionaries, thought-provoking debates on AI, and presentations from global associations. Beyond innovation, the Catalyst Stage also tackles the human side of finance — careers, well-being, and education. Stories of upskilling and emerging economies powering growth offer inspiration for how talent will shape the industry’s future.
Impact Stage
The Impact Stage explores new tech and policy developments shaping finance. Sessions cover digital assets, AI, tokenization, and global partnerships, while also spotlighting sustainability and regional innovation. Expect discussions on advancing solutions, financial literacy, and how emerging technologies are reshaping the sector, with highlights from initiatives across the globe.
FutureMatters Stage
The FutureMatters Stage explores how technological disruptions are reshaping the financial landscape. Sessions will highlight emerging business models driven by digital assets, financial inclusion in a rapidly changing environment, and the infrastructures enabling the future of fintech. Discussions will also cover strategic implications of new technologies, evolving global regulations, and C-suite perspectives on industry transformation. Looking ahead, the FutureMatters Stage will host conversations on AI regulation, the future of work, the role of education, and strategies for building a sustainable financial ecosystem.
Frontier Stage
The Frontier Stage delves into the advanced technologies that drive innovation across finance and fintech. From AI, cloud, and digital banking transformations to operational priorities shaping the future of financial services, this stage spotlights the technologies redefining industry standards. Sessions will examine next-generation finance, including cyber resilience, national digital currencies, DeFi and TradFi integration, and breakthroughs in InsurTech. In addition, the programme will explore how advanced technologies ensure security and inclusion, with forward-looking insights on digital transactions, data protection, and quantum advances in financial services.
Investor Hours
Investor Hours is designed to empower both investors and startups throughout their investment and fundraising journeys. This programme brings together investors and startups from around the world, creating opportunities for fundraising, investment, collaboration, and market expansion.
SFF MeetUp
SFF MeetUp is an initiative designed to help attendees meet, collaborate, and conduct business efficiently, fostering new partnerships and driving growth opportunities for both individuals and organisations. Don’t miss this opportunity to get six months' worth of one-on-one meetings in just two days!
Global FinTech Hackcelerator
Returning this November at the Singapore FinTech Festival, the Global FinTech Hackcelerator 2025 spotlights early-stage innovators transforming financial services. Up to 20 startups will be selected as finalists to receive mentorship, network with investors, and pitch at Demo Day on 12 November for a SGD 240,000 prize pool and opportunities to pilot their solutions with industry leaders.
SFF Dinner*
We bring together the Festival's guests and VIPs for an evening of networking and collaboration at one of Singapore's iconic locations.
SFF After Hours
SFF After Hours offers a relaxed, evening setting for networking and collaboration. Attendees can connect with industry peers, thought leaders, and innovators through engaging activities, social events, and informal discussions. This blend of professional and social interactions helps spark new ideas, strengthen relationships, and drive the future of FinTech.
Open to all Executive, Delegate, Startup, Government, Academic, VIP, Speaker, and Media Passes.
SFF FinTech Excellence Awards*
The Monetary Authority of Singapore (MAS) and the Singapore FinTech Association (SFA), supported by PwC Singapore, invite nominations for the 2025 SFF FinTech Excellence Awards. Now in their 10th year, the Awards celebrate innovative initiatives and individuals driving growth, financial inclusion, and transformative solutions in FinTech.
SFF Wrap Party ft. The Founders Rock
*By invite-only
The Festival
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Global Platforms