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* About GFF * Agenda * Speakers * Partners * * Partners * Supporters * GFF Associations * Festivities * * Product showcase * Start-Up Battleground * Thought Leadership * Pre Event * Hackathon * Awards * Exhibition * Get Your Pass MEET GFF2022 SPEAKERS Smt. Nirmala Sitharaman Honorable Minister Of Finance And Corporate Affairs, Government Of India Government of India Shri Ashwini Vaishnaw Honorable Minister of Railways; Communications; and Electronics and Information Technology Government of India Shri Shaktikanta Das Governor Reserve Bank of India Dr. Bhagwat Kishanrao Karad Minister of State, Ministry of Finance Government of India Shri Rajeev Chandrasekhar Honorable Minister of State for Electronics and Information Technology, Skill Development and Entrepreneurship Government of India Shri Jayant Sinha Member of Parliament (Lok Sabha) and Chairman Parliamentary Standing Committee on Finance Dr R S Sharma Chief Executive Officer National Health Authority, Ministry of Health & Family Welfare, Govt. of India Shri Injeti Srinivas Chairperson International Financial Services Centres Authority Madhabi Puri Buch Chairperson Securities & Exchange Board of India (SEBI) Read More Dr. V Anantha Nageswaran Chief Economic Advisor Ministry of Finance, Government of India Mr. Kris Gopalakrishnan Chair - GFF2022 Chairman Axilor Ventures, Co-founder Infosys Dr. Saurabh Garg Chief Executive Officer Unique Identification Authority of India (UIDAI) Shri Vivek Deep Executive Director Reserve Bank of India Shri Ajay K Choudhary Executive Director Reserve Bank of India Shri Vishal Kumar Dev Principal Secretary - Finance Govt. of Odisha Read More Sopnendu Mohanty Chief Fintech Officer Monetary Authority of Singapore Fabio Araujo Economist Central Bank of Brazil Rakiya Mohammed Director, Information Technology Central Bank of Nigeria Read More Tesfaye Hailemichael Member of Capital Markets Development Consultative Group National Bank of Ethiopia Mr. G Padmanabhan Ex- Executive Director Reserve Bank of India Shri. P. Vasudevan Chief General Manager Reserve Bank of India José Manuel Marqués Sevillano Head of the Financial Innovation Division Bank of Spain Read More Amitabh Chaudhry CEO Axis Bank Mr. Dilip Asbe MD & CEO National Payments Corporation of India Sivasubramanian Ramann Chairman & Managing Director Small Industries Development Bank of India (SIDBI) Read More T Koshy CEO ONDC Shri Rajesh Bansal Chief Executive Officer Reserve Bank Innovation Hub Mike Ogbalu III CEO - Pan African Payment Settlement System African Export-Import Bank (Afreximbank) Ivan Mortimer-Schutts Senior Financial Sector Specialist International Finance Corporation (IFC) Read More Shivnath Thukral Director – Public Policy WhatsApp India Barbara Dreyer Director, National Payment System Bank of Namibia Read More Dr. Adi Budiarso Head of Fiscal Policy Agency Government of Indonesia Read More Scott Hendry Senior Special Director Bank of Canada Read More Nikolay Storonsky Co-founder & CEO Revolut Read More Vijay Shekhar Sharma Founder & CEO Paytm Read More Kunal Shah CEO CRED Gopal Srinivasan Founder, Chairman and Managing Director TVS Capital Funds Read More Adeeb Ahamed Managing Director Lulu Financial Group Read More Mahendra Nerurkar VP & CEO Amazon Pay India Abhijit Bose Head of India WhatsApp Read More Dr. Ruth Goodwin-Groen Managing Director Better Than Cash Alliance Santosh Kumar Vice President, Global Business Head, Innovation, Open & Digital Banking HCL Technologies UK Limited Read More Rajiv Aggarwal Director and Head of Public Policy-India META Read More Prashant Shah MD - Regional Head, Banks & Broker Dealers, South Asia & Country Head, Financial Institutions, India Standard Chartered Bank Sanjeev Mehta Managing Director, Head Transaction BKG Sales-Corporate, Commercial& Institutional BKG-South Asia Standard Chartered Bank Prashant Kumar Managing Director & CEO Yes Bank Masakazu Osawa Managing Executive Officer, Group Head, Digital Service Business Group and Group Chief Digital Transformation Officer (CDTO) MUFG Bank Read More Ryutaro Hiroshima COO Mars Growth Capital Shashank Joshi Head of Global Corporate Banking - India, MUFG Bank Deputy CEO, MUFG India Sameer Nigam Founder & CEO PhonePe Read More Jitendra Gupta Founder & CEO Jupiter Money Amrish Rau CEO Pinelabs Céline Soubranne Group Chief Sustainability Officer AXA Read More Naveen Bindal Founder EnKash Read More Hemant Vishnoi Founder EnKash Read More Meghna Suryakumar Founder& CEO Crediwatch Read More Nitin Chugh Deputy Managing Director and Head of Digital Banking and Transformation State Bank of India Akash Sinha Co-founder and CEO Cashfree Payments Read More Somnath Mukherjee AVP Zerodha Read More Reeju Datta Co-founder Cashfree Payments Read More Madhusudanan R Co founder M2P Fintech Alexandre Tombini Head BIS Americas Office BIS Innovation Hub Miguel Diaz Head - Toronto Centre BIS Innovation Hub Harshil Mathur CEO & Co-Founder Razorpay Alkesh Wadhwani Director - Poverty Alleviation Bill and Melinda Gates Foundation Sumit Agarwal Senior Vice Presidenet - Product, Payments & FinTech Make My Trip - Goibibo Read More Navin Surya Chairman Fintech Convergence Council Diedrah Kelly Consul General of Canada in Mumbai Canada Smita Aggarwal Global Investments Advisor Flourish Ventures Mr. Srinivas Jain ED & CMO SBI Funds Management Pvt. Ltd. Shinichiro Nishikawa Head of Global Payment and Services Division NTT DATA Corporation Varun Sridhar CEO Paytm Money Read More Ms. Praveena Rai Chief Operating Officer National Payments Corporation of India Anita Pai COO Yes Bank Read More Shri Saurabh Mishra Joint Secretary Department of Financial Services, Government of India Camilla Bullock CEO Emerging Payments Association Asia Nithin Kamath Founder & CE0 Zerodha Read More Rajeev Agrawal Founder & CEO Innoviti Payment Solutions Read More Seema Chaturvedi Founder and Managing Partner AWE (Achieving Women Equity) Funds Rajan Bajaj Founder & CEO slice Read More Shri Brijesh Singh Secretary & Director General, Information & Public Relations and Special Inspector General of Police Government of Maharashtra Vipul Sharma Founder & CEO Chqbook Praphul Chandra Founder KoineArth Yadvendra Tyagi Founder EnKash Read More Anil K Pinapala Founder & CEO FlexPay by Vivifi India Finance Read More Anil Kumar Gupta Partner MSC Nitin Gupta Founder and CEO Uni Read More Sameer Singh Jaini Founder & Chief Executive Officer The Digital Fifth Read More Deepak Shenoy Founder and CEO Capitalmind Read More Matthias Kroner Founder & Managing Director Tradelite Solutions Benjamin Fernandes Founder & CEO NALA Aman Gupta Co Founder and CMO boAt Shubhanga Prasad Founder The 1st Principle Abinav Varma Kalidindi Founder & CEO Ikonzclub Ruby Jain Co-founder & CBO PayGlocal Bhavik Vasa Founder & CEO GetVantage Read More Theodora (Theo) Lau Founder Unconventional Ventures Read More Miten Mehta Founder Fractal.ai Sumit Agarwal Founder Vyapar Suhail Sameer CEO BharatPe Read More Gustaf Agartson Founder & CEO Milvik (Bima) Read More Rajat Gandhi Founder & CEO Faircent Read More Gaurav Rastogi Founder & CEO Kuvera.in Read More Ajay Setia Founder and CEO Truegy: Emptra Parag Mehta Founder & CEO Evolute Group Read More Anish Achuthan Co-Founder & CEO Open Financial Technologies (Bankopen) Read More Shri Manoj Kumar Mishra Secretary-IT Government of Orissa Shergeran Naidoo Head -Stakeholder Engagements BankservAfrica Read More Sandeep Laxman Head of Fintech for Asia Pacific & Japan AWS Dr. Kasturi Dadhe Director India & UK FrankfurtRheinMain GmbH Kunal Varma CEO and Co-Founder Freo Read More Enrico Lodi Managing Director CRIF Read More Nitin Mishra President & CTO ONDC Rahul Handa Sr. Vice President ONDC Read More Rahul Tandon Head-Product Development NPCI Bharat BillPay Ltd. Read More Harshvardhan Lunia Co-Founder & CEO Lendingkart Dr. K V Subramanian Ex-Chief Economic Adviser, Govt of India and Professor of Finance Indian School of Business Read More Amira Karim APAC - Public Policy Lead - Payment Services Amazon Pay Bhargavi Sridharan Head E-Commerce Ecosystem ICICI Bank Charu Mathur Chief Digital Officer and Head - Business Strategy & New Initiatives IndusInd Bank Goutham Bharadhwaj Lead NeTC Product Development National Payments Corporation of India Dipu KV Senior President Bajaj Allianz GIC Read More Ron Daniel CEO Mars Growth Capital Suresh Krishnamurthy Managing Director & CEO CRISIL Rajesh Chopra Senior Vice President Mastercard Read More Karthik Ganpathy Senior & Founding Partner IndusLaw Dr. Robert Ochola Chief Executive Officer AfricaNenda Read More Sourabh Tomar Head UPI & IMPS National Payments Corporation of India (NPCI) Read More Paolo Sironi Global Research Leader, Banking and Financial Markets IBM Institute for Business Value Read More Shivprasad Nakate MD RIICO Ajay Singh Senior Vice President Paytm Shweta Rajpal Kohli Chief Public Policy Officer Sequoia Capital Ian Schnoor Executive Director Financial Modeling Institute (FMI) Read More Manish Chowdhary Co-Founder WOW Skin Science Vadivelan S. CTO BBPS Deepesh Baxi Chief Financial Officer Castrol Rohit Lad Director Vriddhi Software Solutions Badal Malick Co-Founder KarmaLifeAI Read More Sagrika Shah Co-Founder Connexdoor Read More Sabine Mensah Deputy CEO AfricaNenda Read More Ramgopal Subramani CSO Perfios Software Solutions Susanne Chishti CEO FINTECH Circle Priya Nadkarni National Head-Marketing Tata Capital Naveen Kukreja CEO & Co-Founder Paisabazzar Read More Nitendra Rajput Senior Vice President (AI Products) Mastercard Read More Piyush Gupta Chief Data Scientist PayU Finance Read More Rajesh Mirjankar MD and CEO Kiya.ai Gaurav Kumar Founder and CEO Yubi Shri Ponnuraj- IAS Secretary - IT E-Governance Government of Karnataka Rishi Batra Co-Founder and COO TWID Sahil Kini Co-Founder & CEO Setu Ajay Upadhyay Co-Founder & COO InstantPay Beata Monka Member of the Science, Innovations and Environment Protection Committee Polski Komitet Olimpijski Shashwat Sharma Senior Partner and Financial Services Leader AT Kearney Consulting Read More Ritesh Pai President Terrapay Read More Willy Lim Global Advisory and Solutions lead - Digital Currencies, Payments and Capital Markets R3 Vishal Sharma Chief Operating Officer BFIL Nishant Kumar CEO Lakshya Read More Sanjay Doshi Partner, Head – Financial Services Advisory KPMG Mohit Gopal Chief Operating Officer PayU Juhi Belani Lead-Product & Research NPCI Bharat BillPay Ltd. Sudhir Sehgal Chief Business Officer PayU Muzaffer Hamid Chief Executive Officer Mercury Read More Sashank Rishyasringa Co-Founder & MD Axio Read More Vineet K Singh Co-Founder & CEO Castler Read More Nanaiah Kalengada Managing Director Equifax Credit Information Services Private Limited Read More Simmi Sareen Director Unitus Capital Shinjini Kumar Co-Founder SALT Mona Srivastava Chief Digital Branding & Social Media BPCL Read More Abhilash Edakadampil CTO Global PayEx Amol Sonbarse Co-founder & CMO Instantpay Wilfred Sigler Senior Director – Market Development & Digital Solutions – India & South Asia CRIF Inez Murray CEO Financial Alliance for Women Read More Gurjodhpal Singh Chief Executive Officer Tide Read More Anushree Bakliwal Head - Fintech Business IDEMIA Prof. Ponnurangam Kumaraguru Professor IIIT- Hyderabad Read More Vijay Rajagopal Head of Sales & Business Development Amazon Pay India Read More Mohit Sahney Managing Director & Chief Executive Finova Capital Barbara Biro Head of Digital Banking Ecosystem RAKBANK Read More Komal Sahu Chief of Sustainable Finance AVPN Read More Sugandhi Matta Chief Impact Officer abc IMPACT Read More Gouri Sankar Gollapudi Managing Director Oikocredit India Read More Mayuresh Kini COO & CFO PayU Finance Read More Anoop Nair Country Head - India Interpolitan Money Ujval Bucha Product Manager EclecticIQ Read More Bart de Jong Consul General Kingdom of the Netherlands Read More Sohini Rajola Regional Head for Asia Pacific and the Middle East Western Shruti Chandra Senior Assistant Vice President Invest India Gopalan Ramkrishna Vice President & Head of Products INSA, VISA Harsh Jain Co-Founder & COO Groww Read More Rakesh Singh CEO Aditya Birla Finance Cecilia Tamez Chief Strategy Officer Euronet Read More Rashmi Satpute India Country Manager Wise Ltd Anubhav Jain Co-Founder Rupif Read More Arundhati Ramanathan Deputy editor The Ken Read More Dr. Jasmine B Gupta Co-founder and CEO LXME Read More Asim Parashar Executive Director PwC Read More Arshia Verma Assistant Manager Invest India Read More Sugandh Saxena CEO Fintech Association for Consumer Empowerment Read More Mathan Pallikkarakaran BFSI Domain Lead Brillio Read More Pratik Daudkhane Co-Founder Decentro Read More Nick Cook Head of Global Strategy & Partnerships Alliance for Innovative Regulation Read More Ketan Doshi MD & CEO PayPoint Sandeep Kakar Chief Business Officer Veefin Read More Shruti Kharbanda COO Pay10 Read More Rahul Kothari Chief Business Officer Razorpay Read More Nitin Sethi Senior Vice President, Chief Digital Officer - Consumer Businesses Adani Digital Labs Read More Vineet Tyagi Global CTO Biz2Credit & Biz2X Read More Ameya Bhagwat Senior Vice President Tech5.ai Deepak Tomar CEO Novus Loyalty Read More Ashutosh Meher Sr. Developer Evangelist R3 Read More Vivek Belgavi Partner PwC India Asheesh Pandey Executive Director Bank of Maharashtra Denny Thomas Head Head - NETC & AePS product Read More Nitesh Ranjan Executive Director Union Bank of India Sambhav Jain Founder Fampay Chiranth Patil Co-founder & Director Riskcovry Patsian Low Vice President, Inclusive Impact & Sustainability for Asia Pacific Visa Jay Dembani Head of Product Head of Product Swati Chowdhary Director - Network Development and Advocacy, India Women’s World Banking Prof. (Dr.) N Krishna Kumar Dean State Bank Institute of Leadership (SBIL) Read More Sucharita Mukherjee Co-Founder & CEO Kaleidofin Read More Navas Ebin MENA Investment Director Mars Growth Capital Read More Kunal Nandwani Co-Founder uTrade Solutions Read More Prerna Saxena Senior Digital Payments Expert Better Than Cash Alliance Read More Sandeep Tiwari Senior Specialist Security Architecture & Infosec Projects National Payments Corporation of India Stefan Merz Managing Director and Chief Strategy & Growth Officer PPRO Vishweswaran R CDO Tamilnadu Mercantile Bank Ltd Sony A General Manager & CIO South Indian Bank Shobhit Mohan VP, Brand and Marketing PayU Neel Tamrakar Director GPS Read More Suresh Sethi Managing Director & CEO Protean eGov Technologies Read More Kenneth Chan Managing Director ViewTrade Read More Souvik Sengupta CEO Hella Infra Market Read More Bhavin Patel Co-Founder LenDenClub Sohini Sen Head, Priority Sector Lending and Financial Inclusion Axis Bank Read More Kalyan Kumar Executive Director Punjab National Bank Prabhu Rangarajan Co-founder M2P Fintech Read More Ankita D Chief Executive Officer Bullsmart Read More Shivashish Chatterjee Co-Founder/Joint Managing Director DMI Finance Private Limited Read More Mohit Goel Co Founder and CEO Chqbook Read More Gaurav Malik VP - International Expansion UrbanPiper Read More Nitin Mathur Director Tavaga Read More Moreno González Othón Martino, Director - Policy and Research, Payment Systems Division Bank of Mexico Leandro Vilain Director - Innovation, Products, & Services Brazilian Banking Association Angelo Duarte Head - Competition and Financial Market Structure Department Central Bank of Brazil Sanjib Jha CEO & Executive Director Coverfox Insurance Anu Tiwari Partner Cyril Amarchand Mangaldas Parijat Garg Digital Lending Expert Daniel Vaverka Product Director Trusting Social Navin Chandani Regional Managing Director, India & South Asia CRIF Nitya Sharma Co-Founder & CEO Simpl Satish Gidugu CEO Medi Assist Francis Souza Director Partnerships ACI Worldwide Read More Deepak Jain Co-Founder FlexiLoans.com Read More Ram Kewalramani Co-Founder & COO CredAble Read More Gagandeep Bakshi Director & Head PE and M&A - Investment Banking Intellecap Priyadarshini D. Associate Fellow Carnegie India Ali Saberi Founder & Chief Executive Officer Tilli Software Read More Sumit Gwalani Co-founder FI Read More Ned Phillips Founder and CEO Bambu Read More Nirav Choksi Co-Founder and CEO CredAble Read More Steffanie Yuen Managing Director, Head of Hong Kong Endowus Read More Vignesh Krishnakumar Co-founder and CTO HyperVerge Avinash Godkhindi MD & CEO Zaggle Read More Dewang Neralla Chief Executive Officer NTT DATA Payment Services Limited Read More Camilo Téllez Deputy Managing Director Better Than Cash Alliance Read More Sarbvir Singh CEO Policybazaar Read More Arijit Chakraborty Managing Director, SEA & India Cover Genius Read More Sahil Shah Senior Security Consultant TM Systems (TMSPL) Read More Vivek Tiwari MD ,CEO & Chief Information Officer(CIO) SATYA MicroCapital Ltd Read More Mahesh Govind Founder Digiledge Read More Takeshi Kito Vice-Chair Fintech Association of Japan Anuj Bhansali Head - Trust and Safety PhonePe Vishrut B Co-founder 77 Capital Read More Martin Barrios Cuellar Managing Director - Global Transaction Services Country Head Bank of America Mexico Read More S Anand Founder & Chief Executive Officer PaySprint Private Limited Read More Prannay Batra Director - Head of General Insurance PhonePe Read More Arun Tikoo Senior Vice President Cashfree Payments Read More Atul Shinghal Founder & CEO Scripbox Read More Daniel Adereti Frontier Market Private Credit Investment Manager Pezesha Read More Prasanna Lohar CEO Block Stack Read More Hilal Ali Al-Kuwari Incubation Specialist Qatar Development Bank Read More Sushant Shetty Senior Vice President DBS Bank Aparajit Bhandarkar Partner Varanium Advisory Private Limited Read More Parul Seth Khanna Director PinBox Solutions Read More Abhijeet Gaur Product Lead Bureau Read More Devender Maggo Head Of Retail Banking ICICI Bank Germany Anup Singh Partner and Regional Head MSC Kannan Rasappan CEO Banfico Read More Anil Kuril Chief Technology Officer Union Bank of India Read More Neeraj Dhawan Country Manager Experian India Read More Arturo Gonzalez Mac Dowell Chair Asociación Española de Fintech e Insurtech Read More Souparno Bagchi Chief Operating Officer Truebalance Read More Rajesh Sreenivasan Head, Technology, Media & Telecommunications and Partner Rajah & Tann Singapore LLP Read More Vivekdeep Gupta Head of Tech Sales, APAC R3 Read More Dr. Sebastian Schaefer Managing Director & Co-founder TechQuartier Guhaprasath Rajagopal Managing Director and Head of Payments JP Morgan Read More Aaditya Rathod Co-founder & CCO The Canny Co Read More Rishi Patel Founder & CEO Interpolitan Money Read More Manish Kumar Agrawal Executive Vice President & Head - Credit Intelligence & Control HDFC Bank Read More Rajat Sharma Chief Revenue Officer InsureMO Read More Ashesh Jani Co-founder and CEO United Kingdom Sameer Shetty Head, Digital Business And Transformation (DBAT) at Axis Bank Axis Bank John Meyers Chief Operating Officer (COO) X-Systems and X-Alert Read More Ramesh Narasimhan Chief Executive Officer - India Worldline Merchant Services Read More Adrian Ang Partner Allen & Gledhill LLP Read More Dhyanesh Bhatt Co-Founder & Group CEO Gramcover Read More Dr. Emil Ruban J MD & Country Manager - India Ria Financial Read More Nitish Gopalani Co-Founder Fonada Read More Jawahar Govindaraj CTO / Head of DeFi and Blockchain Tech The Ideation Works (UK) Read More Arpit Gupta CTO MLAI Digital Pvt Ltd Read More Jithesh P V Heads Fintech Partnerships Fedreal Bank Read More Jaideep Pawar CEO & Director Pay10 and GRAMePAY Read More Salil Ravindran Vice President, Strategy & Growth Open Financial Technologies Sundeep Mohindru Founder Director M1xchange Read More Mandar Kagade Founder & Principal Black Dot Public Policy Advisors Read More Nitin Agrawal Co-Founder & CEO Navadhan Capital Read More Pierpaolo Barbieri Founder & CEO Uala Vaibhav Tambe Co-Founder and CEO TransBnk Solution Pvt Ltd Read More Pulkit Trivedi Director Strategic Partnerships Google Pay Mohammed Riaz Founder Xtracap Fintech India Pvt Ltd Read More Srikanth Bureddy Founder Valueleaf Saurabh Dayal Associate Vice President Paytm Payments Services Read More Harsh Bisht Partner EY Vikram Babbar Partner & Lead Financial Services, Forensic & Integrity Services | FinCrime Compliance Lead - AML CoE EY India LLP Read More Mahesh Prajapati Founder , Product Head & CEO InstaCiti Read More Mahavir Jindal Chief Operations Officer Amazon Jatinder Mohan Singh Shah COO - Business Banking & Payments Fincare Small Finance Bank Rohan Juneja Managing Director & CEO TruCap Finance Read More Rajesh Desai Director Lyra Network Ronit Kar Head- International Stocks Groww Anubhav Sharma Deputy Chief - Partnership Business Development & Marketing NIPL Sneha Damle Developer Evangelist R3 Read More Priyanka Kanwar Co-Founder Falcon Read More Shreeraj Deshpande Head – Health Businesses SBI General Insurance Read More Samant Sikka Chief Dreamer & Founder Sqrrl Fintech Viram Shah CEO and Co-founder Vested Finance Subhrajit Mukhopadhyay Executive Director Edelweiss Tokio Life Insurance Balkrishna Pangam Dinesh Chief Executive Officer Aurionpro Payment Solutions Ramana Kumar CEO Magnati Anataria (Alexia) Uwamariya Director: Business Competitiveness TradeMark East Africa Sanjay Seshamani Sr. Executive Vice President & National Head - Retail Assets Strategy, Digital and Xsell Kotak Mahindra Bank Rajesh Shet CEO & Co-Founder SahiBandhu Read More Rajat Mehta Senior Director, Head of Savings and Consumer Business OakNorth Bank Read More Pramey Jain CEO & Co-Founder Tartan Shaul David Head of Bank Partnerships Railsr Read More Nitin Bhatnagar Associate Director PCI Security Standards Council Read More Mehdi Maana CEO Buna: Arab Monetary Fund, The Regional Payments Clearing and Settlements System Read More Ishpreet Singh Gandhi Founder & Managing Partner Stride Ventures Muralikrishnan Puthanveedu Principal Counsultant Thoughtworks Read More Sathish Hariharan Senior Solutions Architect AWS Read More Jay Padhiyar Sr. Associate- IMPS & UPI Product National Payments Corporation of India Read More Sarosh Amaria Managing Director Tata Capital-Financial Services Dhananjay Singh Head Engineering Delivery National Payments Corporation of India (NPCI) Nidhi Gupta Founder Loan2Grow Visa Kannan Partner Saison Capital Read More Bhuvan Rustagi Co Founder & COO Lendbox Vinay Mathews Founder & COO Faircent Read More Tahem Veer Verma Co-Founder Mesha Read More Prashant Muddu Managing Director and CEO Jocata Rohan Bagai Partner AZB & Partners Read More Bhakti Zaveri Director - AuroPay Payments Aurionpro Solutions Read More Snehal Pandit Head - Supply Chain Management Aurionpro Solutions Read More Raunak Kapoor Senior Manager, MSC’s Country Program Development Domain, Indonesia MicroSave Consulting Abhishek Anand Partner & Lead - Inclusive Banking & Enterprise Development Vertical - Asia MicroSave Consulting Smitha Hari Senior Vice President AuctusESG Read More Saurabh Puri Chief Business Officer Credit Cards Zaggle Read More Wriju Ray Chief Business Officer IDfy (Baldor Technologies) Read More Agneesh Banerjee Chief Business Officer Data Sutram Read More Jay Dembani Head of Product (Digital Identity) HyperVerge Read More Sandeep Koujalgi Senior Vice President, Programs CIIE.CO Read More Vaanathi Mohanakrishnan Business Head - MENA M2P Solutions Read More Anand Kumar Bajaj Founder, MD & CEO PayNearby Read More Naby Mariyam Founder & CEO Coverhero & Hustlecover Read More Pushkar Mukewar CEO & Co-Founder Drip Capital Read More Ravi Ravulaparthi CEO & Co-Founder Qapita Read More Shanti Mohan Co-Founder and CEO LetsVenture Read More Varun Mittal Chief Growth Officer SingLife Read More Venkatram Jayanthy MD & CEO India Post Payments Banks Read More Ankit Ratan CEO & Director Signzy Deepti Sanghi CEO & Founder Kodo Shadab Taiyabi President Singapore FinTech Association Benjamin Fernandes Founder & CEO NALA Utsav Somani Partner Angel List India Anuj Khosla CEO - Digital Business Hitachi Payment Services Read More Swapnil Jambhale Co-founder & COO Safexpay Read More Ishita Verma Co-founder & COO Klub Khalil Alami Founder and CEO Telr Ravi Srivastava Partner Leo Capital Carla Venter Head of Investments aperture.co Debbie Watkins CEO and Co-Founder Lucy Kumar Mayank CEO & Co-founder Zimyo Lishia Erza Deputy Head - Permanent Committee for International Industry Access (KPAII) Indonesian Chamber of Commerce and Industry (KADIN) Zeus Dhanbhura Founder & CEO BridgeUp Tiffany Tong Co-Founder & CEO Aloi Sonia Bashir Kabir Founder & Managing Partner SBK Tech Ventures & SBK Foundation Dylan Bourguignon CEO SO-SURE Iwan Juwono Head of Insurance Grab Peter Schravemade Managing Partner REACH Australia and Southeast Asia Edward Obiko Specialist - Financial Inclusion Consulting MSC Juliet Ongwae Specialist - Digital Financial Services MSC Amerson Lin CEO & Co-founder Gigacover Prachi Dharani Co-Founder and CEO PayGlocal Sandeep Deshmukh Co-Founder & CEO Elasticrun Sagar Agarvwal Co-Founder & Managing Partner Beams Fintech Fund Dr. Vibhor Gupta Director and Founder PangaeaData.AI Lorien Gamaroff CEO Centbee Pedro De Garay CEO GBM Aiswarya Ravi Chief Financial Officer Kinara Capital Anubhutie Singh Policy Analyst Dvara Research Aishwarya Jaishankar Co-founder and COO Hyperface Technologies Read More Manan Dixit CEO Jambopay Express (FidyPay) Deepti George Deputy ED & Head of Strategy Dvara Research Huy Nguyen Trieu Ex-MD at Citi, and Co-creator, Oxford Fintech Programme and Co-founder CFTE - Centre for Finance, Technology and Entrepreneurship Keith Lee Sustainable Finance engagement Manager WWF Singapore Kanishk Swarup Partner - Financial Planner & Wealth Adviser St. James’s Place Wealth Management Peter Kwadwo Asare Nyarko Executive Director Centre for Financial Literacy Education Africa Praveen Dhabhai COO & Director Payworld Mayada El-Zoghbi Managing Director Center for Financial Inclusion Mridul Upreti Sector Lead - Retail, Tourism & Real Estate IFC - International Finance Corporation (IFC) Dr. Oriol Caudevilla FinTech and Blockchain Advisor, Influencer, Speaker, and Host of “A Digital Tomorrow” Podcast Global Impact FinTech (GIFT) Forum Ramanathan RV Co-Founder and CEO Hyperface Srikara Prasad Research Associate Dvara Research Shyam Menon Co-founder Bharat Innovation Fund Sandeep C Patil Partner - Head of Asia QED Investors Elijah Deas Head of Product CFTE - Centre for Finance, Technology and Entrepreneurship Beni Chugh Research Manager Dvara Research Tarana Lalwani Founding Partner InnoVen Triple Blue Capital Advisors LLP Shilpa Mankar Ahluwalia Fintech Partner Shardul Amarchand Mangaldas & Co Marianne Haahr Executive Director Green Digital Finance Alliance Vera Neugebauer Research Associate Cenfri Maneesha Chaddha Executive Director, Global Philanthropy JP Mogran Ronit Ghose Head - Fintech & Digital Assets Research Citi Amnah Ajmal Group Executive - Merchants, Acceptance & Digital Partnerships Mastercard Susanne Chishti CEO FINTECH Circle & Co-Editor The FINTECH Book Series Syed Musheer Ahmed Founder & Managing Director Finstep Asia Devie Mohan Co-founder and CEO Burnmark Lars Markull DACH Market Development Director Weavr.io Amol Dethe Editor ETBFSI.com & ETCFO.com Lizzie Chapman Co-Founder & CEO ZestMoney Amit Goel Country Head - India & Vice President Prove Ajay Rajan Senior Group President, Head of Transaction Banking Group Yes Bank Vaibhav Domkundwar CEO & Founder Better Alok Mittal Managing Director Indifi Technologies Anilkumar SG Founder & CEO Sammunati Dr. Emil Ruban MD & Country Manager - India Ria Financial , A Euronet Worldwide Company Dwijaraj Bhattacharya Research Manager, Financial Systems Design Initiative Dvara Research Hansi Mehrotra Founder & Editor Money Management India Henrique Dubugras Founder & Co-CEO Brex Javier Mancilla Montero Quantum Business Advisor SATT CONECTUS Manish Sharma Head of India ESG Book Shri M R Rangaswami Founder & Chairman of the Board Indiaspora Pallavi Shrivastava Co-Founder & Director Progcap Sanjib Subba Chief Executive Officer Nepal Electronic Payment System Sharat Chandra VP-Research & Strategy EarthID Dr. Hari K Nagarajan Professor and Infosys Chair for Societal Development Indian Institute of Management Ahmedabad Rahul Rishi Leader- Social Sector Practice Nishith Desai Associates Dr. Supriya Sharma Partner - Insights CIIE. CO Dr. Pawan Bakhshi India Lead, Financial Services for the Poor Bill & Melinda Gates Foundation Yuko Kawai Director, Fintech Association of Japan and CEO Japan Digital Design, Inc. Abhinav Nayar CEO Mool Read More Kyle Armstrong Director of Law Enforcement Relations TRM Labs Read More Timmana Gouda D Founder , Managing Director WhatsLoan Read More Adam Rice Chief Executive Officer AssetDirect Read More Konstantin Djelebov CEO Phyre Read More Arindam Choudhury CEO CanPe Solutions Read More Sean Ryan Head of Financial Crime Strategy, APAC Feedzai Read More Subhash R. Ghosh Founder & CEO Technoplat Read More Nikhil Aggarwal Founder & CEO Grip Invest Read More Vikram Pandya Director Fintech SP Jain School of Global Management Read More Anshul Khurana Co-Founder Entitled Solutions Read More Debanjan Chatterjee Head of Decision Sciences Bureau, Inc. Read More Kosuke Nekoshima Investment Manager Mars Growth Capital Ketan Patel CEO Mswipe Read More Mahima Gupta Principal Consultant, Product Management ThoughtWorks Read More Ishan Sharma Head of Business JUSPAY Harveer Singh Chief Product Officer Tata Digital Kishan Srinivas Incharge Business Development Europe NIPL Read More Sankaran G COO City Union Bank Giridhar GM Chief of Offline Products Operations and Technology National Payments Corporation of India Vidya Pradeep Sr. VP - Cards Portfolio & Alliances HDFC Bank Rafe Mazer Director, Consumer Protection Initiative Innovations for Poverty Action Anuradha Aggarwal Director-User Growth Amazon Murali Vaidyanathan Sr. President and Country Head Equitas Joydeep Dutta Roy Executive Director Bank of Baroda Aditi Olemann Director - New Initiatives Cashfree Maninder Singh Juneja Partner True North Manoj Varma Payments Head Lyra Network India Read More Jayprasad Hegde Head - Data Science National Payments Corporation of India Ipsita Sur Incharge of Emerging Fintechs National Payments Corporation of India Siddhartha Sanyal Chief Economist and Head Research Bandhan Bank SMT. NIRMALA SITHARAMAN SHRI ASHWINI VAISHNAW SHRI SHAKTIKANTA DAS DR. BHAGWAT KISHANRAO KARAD SHRI RAJEEV CHANDRASEKHAR SHRI JAYANT SINHA DR R S SHARMA SHRI INJETI SRINIVAS MADHABI PURI BUCH Ms. Madhabi Puri Buch assumed office as Chairperson of Securities & Exchange Board of India (SEBI) with effect from March 2, 2022. Ms. Buch has served as Whole Time Member, SEBI from April 2017 till October 2021 during which she handled various departments in SEBI. Prior to that she had a career in financial markets and banking of around 3 decades. She served as Consultant to the New Development Bank in Shanghai, Head of the Singapore office of the Private Equity Firm, Greater Pacific Capital, Managing Director and Chief Executive Officer at ICICI Securities Limited and Executive Director, on the Board of ICICI Bank. Ms. Buch also served as a non-executive director on the Boards of various companies. Ms. Buch holds an M.B.A. from the Indian Institute of Management, Ahmedabad and is a Graduate in Mathematics from St. Stephen's College, New Delhi. DR. V ANANTHA NAGESWARAN MR. KRIS GOPALAKRISHNAN DR. SAURABH GARG SHRI VIVEK DEEP SHRI AJAY K CHOUDHARY SHRI VISHAL KUMAR DEV He graduated in 1990 with a Degree in Computer Science and Engineering from the Indian Institute of Technology (IIT), BHU, Varanasi and obtained an MBA from the Indian Institute of Management (IIM), Lucknow, India in 1992. He worked for more than three years with prestigious organizations in the Corporate Sector before joining the Indian Administrative Service in 1996. In 2009, he took a 1 year sabbatical and obtained a Masters Degree in “Governance and Development” from the Institute of Development Studies, University of Sussex, United Kingdom. He has also completed an executive programme in leadership from the Harvard Kennedy School, Harvard University, USA. He has handled a number of important assignments during the last 23 years in the IAS, spanning a diverse range of sectors like district administration, urban development, industries, information technology, public financial management, sports and tourism. His work as Municipal Commissioner, Cuttack in the aftermath of 1999 Super Cyclone had received widespread appreciation. He is also recognised for his significant contribution to the development of Bhubaneswar as a major centre for IT/ITES Industry as well as to the development of industries in Odisha. He led the team responsible for successfully hosting the 22nd Asian Athletics Championship in July, 2017 and also the Men’s Hockey World Cup, 2018. Both the events received global appreciation. He played an instrumental role in making Bhubaneswar the “Sports Capital of India”. He also brought about a paradigm change in promotion and development of tourism in Odisha SOPNENDU MOHANTY FABIO ARAUJO RAKIYA MOHAMMED Rakiya is a seasoned professional with over 25 years of experience in the fields of Information Technology, Finance, and Telecommunications and over 15 years in top leadership roles. She is certified in IT Business Management, Information Security, IT Governance, IT Architecture, and Accounting. Rakiya is currently the Director of Information Technology (CIO) at the Central Bank of Nigeria (CBN). She is spearheading the deployment of Africa’s first Central Bank Digital Currency (CBDC), the “eNaira”, which was unveiled on the 25th of October 2021. She has also held the positions of CIO three times, CISO four times, and Head Strategy three times across different organizations, where she has consistently demonstrated leadership, integrity, and professionalism, among other qualities. TESFAYE HAILEMICHAEL MR. G PADMANABHAN SHRI. P. VASUDEVAN JOSÉ MANUEL MARQUÉS SEVILLANO José Manuel Marqués Sevillano is Head of the Financial Innovation Division at Bank of Spain (Banco de España). In this position, he focuses on studying the main trends transforming the financial system and defining the main implications for the central bank: Big tech and Fintech, CBDC, Use of Artificial Intelligence and Machine Learning, Blockchain and DLT, Sustainable Finance and ESG factors. Prior to this position he has been Head of the International Financial Markets Division and held a number of different positions within the bank since joining in 1996. Marqués has written a number of articles on financial markets and participated on the G20 on sustainable finance and represent the Bank of Spain in the Eurosystem Innovation Forum, the CEMLA Foro Fintech and the secretariat of the CBDC High-Level Taskforce. Marqués has a BA in Economics and Business from the University of Zaragoza, and an MSc from the University of Pompeu Fabra, Barcelona. AMITABH CHAUDHRY MR. DILIP ASBE SIVASUBRAMANIAN RAMANN Shri S. Ramanan, belongs to the 1991 batch of Indian Audit & Accounts Service (IA&AS). He joined as Chairman & Managing Director, Small Industries Development Bank of India (SIDBI) on 19th April 2021. Before joining SIDBI, he was MD & CEO of National E-Governance Services Limited (NeSL) in December 2016. Prior to joining NeSL, Mr Ramann was the Principal Accountant General (Audit), Jharkhand, Ranchi during 2015-2016. He worked with SEBI as CGM and later Executive Director between 2007 & 2013. He held various positions in the offices under the C&AG of India in various States and also worked as Executive Secretary to the C&AG of India. He worked as First Secretary, at the Indian High Commission, London for auditing the accounts of various Indian Embassies in Europe. He is BA (Hons) in Economics from St Stephens College and MBA from FMS, Delhi University. He has done M. Sc. in Regulations from the London School of Economics and Certified Internal Auditor from IIA Florida. He completed LLB from Mumbai University and Post Graduate Diploma in Securities Law. T KOSHY SHRI RAJESH BANSAL MIKE OGBALU III IVAN MORTIMER-SCHUTTS Mortimer-Schutts is a Senior Financial Sector Specialist within the World Bank Group, based in Singapore. Ivan supports development of financial services policy and regulation alongside industry and firm level innovations. He works closely with regulators, financial institutions and fintechs to improve financial systems infrastructure and market development across Asia. He led IFC’s development with MAS and ABA of AFIN and the Apix platform. He joined the World Bank Group from BNP Paribas, where he led implementation of new EU securities market regulation and was head of mobile banking strategy and development initiatives in emerging markets. Prior to that he was head of financial sector regulatory studies for the Groupe d’Economie Mondiale in Paris and head of business development for a European retail equity broker. Ivan is a graduate of the London School of Economics, and Institut d’Etudes Politiques de Paris (Science Po) and the UWC of the Atlantic. SHIVNATH THUKRAL BARBARA DREYER I hold several academic qualifications including an MBA degree and busy finalizing a Master’s in Global Central Banking and Financial Regulation from the Warwick Business School, University of Warwick, UK. A seasoned Payment Systems regulator of the National Payment System of Namibia for over 10 years. I am currently serving as the Director: National Payment System at the Bank of Namibia (which is the Central Bank of Namibia). I have experience in both the banking and non-banking financial sector, having previously served in various roles in the private sector. I also serve as the Deputy Chairperson of the SADC Payments Systems Oversight Committee; a committee established under the Committee of Central Bank Governors of the Southern African Development Community (SADC) to regulate and oversee the SADC payment systems integration agenda. Nationally, I serve on various state-owned enterprises Boards. DR. ADI BUDIARSO Dr. Budiarso is the Head of the Fiscal Policy Agency of the Government of Indonesia. Prior to serving in the Fiscal Policy Agency, he served as Head of the Central Transformation Office (CTO) at the Secretariat General, Ministry of Finance in 2014 – 2018. He was also the Working Secretary of the IMF-World Bank Group National Committee for the Annual Meetings in Bali in 2018. He has also served as the Head of the Centre for Climate Change and Multilateral Finance, Fiscal Policy Agency. He started his career as an executor at the Finance Education and Training Agency, Ministry of Finance, in 1990. Dr. Budiarso is a Doctorate in Business Administration from the University of Canberra. He obtained his Masters in Accounting from the University of Southern California. SCOTT HENDRY Scott Hendry was appointed Senior Special Director of Financial Technology (FinTech) in the Banking and Payments Department of the Bank of Canada in June 2016. In this role, he oversees the Bank’s efforts to monitor and research developments and implications of new technologies affecting the financial sector. This includes serving as the business lead on the Bank’s central bank digital currency research program. He previously held the role of Director of Research in the Funds Management and Banking Department and, before that, for the Financial Markets Department. Mr. Hendry’s personal research has focused on central bank digital currency, electronic money, price discovery in the Canadian government bond market, and central bank communication. He has a BA in Economics from Wilfrid Laurier University and MA and Ph.D. in Economics from the University of Western Ontario. NIKOLAY STORONSKY Nikolay Storonsky launched Revolut in 2015 to transform the way we spend and transfer money abroad. Since then, he has put Revolut on the path to becoming the world’s first truly global bank, changing the way we do all things money. Previously an Emerging Markets Equity Derivatives Trader at Credit Suisse and Lehman Brothers, he traded over $2bn across various options, swaps, and FX instruments. Nikolay holds an M.S. in Applied Physics and Mathematics from the Moscow Institute of Physics and Technology and an MA in Economics from the New Economic School, Moscow. He is a keen kite surfer, mountaineer, and championship swimmer. VIJAY SHEKHAR SHARMA Vijay Shekhar Sharma (born July 15, 1978) is an Indian technology entrepreneur who has played an instrumental role in revolutionizing the digital payments and financial services landscape in India as the Chairman, Managing Director and CEO of One97 Communications and its consumer brand Paytm. Under his guidance, Paytm is on a mission to bring half a billion Indians into the mainstream economy. Vijay is a strong believer in the power of emerging technology and a true supporter of India’s journey to becoming a fully digital economy. With this vision, Paytm pioneered the digital payments revolution in India by taking the QR code to every small shop in the country and is now driving financial inclusion in India with offerings across lending, wealth, insurance and more. He has featured in the ‘2017 Time 100’, the list of ‘hundred most influential people in the world by Time magazine. Vijay has also been bestowed with multiple industry honours such as the ‘Entrepreneur of the Year award in 2018 by the All India Management Association, ’Entrepreneur of the Year’ at ET Awards for Corporate Excellence in 2016 and ‘GQ Man of the Year’ in 2016. KUNAL SHAH GOPAL SRINIVASAN Gopal Srinivasan is the Chairman and Managing Director of TVS Capital Funds (P) Ltd (TCF). TCF is one of the largest Rupee Capital funds in the world, with more than ₹2,000 Crores of AUM across three funds, with the first launched in 2007. TCF seeks to invest in the best ideas across stages of investments. Its diverse portfolio companies have included Nykaa, Wonder la, RBL Bank, the National Stock Exchange (NSE), and so on. A third-generation member of the TVS Family, Gopal’s entrepreneurial career spans well over three decades, in which he has founded, steered and scaled up over 10 new ventures across diverse business verticals. Gopal’s management of TCF has brought success both to the fund and to all stakeholders involved. Gopal’s leadership extends far beyond managing TCF alone, and Gopal always has his mind on society at large. Seeking to improve the business environment for all players, Gopal has taken a keen interest in creating positive change in Indian VC/PE policy. In this connection, Gopal has played an active role in the growth and development of the Indian Venture Capital Association (IVCA) and also served as its chairperson from 2015-18. Gopal has also been a member of the SEBI’s Alternative Investment Policy Advisory Committee, since 2016. Gopal is a Governing Council member of Reserve Bank Innovation Hub (RBIH), which has been formed in Dec’20. Aside from his involvement in the VC/PE sector, Gopal has always sought to contribute to the institutions that made him who he is and is an active alumnus and member of University of Michigan’s India Advisory Board. Gopal’s inclination towards creating an environment of intellectual and creative engagement in his hometown of Chennai, led him to bring together diverse groups of people to interact within the auspices of the Chennai International Center (CIC). As its Chairman, Gopal has sought to develop CIC into a think-tank that brings together a cornucopia of thought leaders from the spheres of business, the economy, policymaking, science, art, culture, and entrepreneurship. In recognition of his standing in the community, Gopal was recently appointed as the Honorary Consul General for the Kingdom of Netherlands in Tamil Nadu. ADEEB AHAMED Adeeb Ahamed is a multifaceted entrepreneur spearheading several companies in financial services, retail, F&B and hospitality. An MBA in International Management from the prestigious Royal Holloway, University of London, Adeeb started his entrepreneurial journey with the founding of LuLu Financial Holdings in 2009. Since then, he has steered the company into becoming a global financial services conglomerate operating 246 branches, as well as various other digital investments in 11 countries across the Middle East, Indian sub-continent, and APAC regions. MAHENDRA NERURKAR ABHIJIT BOSE Abhijit Bose is the Head for WhatsApp in India. He joined WhatsApp in early 2019 and was its first top-level executive to be hired outside of the US. Prior to WhatsApp, Abhijit was the CEO and Co-Founder of Ezetap Mobile Solutions, one of the pioneering fintech companies in India. Ezetap was recently acquired by Razorpay in one of the largest fintech acquisitions in India to date. Abhijit has also had senior leadership roles with Siebel Systems, Intuit and NGPay, one of India’s first mobile commerce companies. Abhijit also sits on the Board of Navi Technologies. Abhijit holds a B.S. in Engineering from Cornell University and an MBA from Harvard Business School. DR. RUTH GOODWIN-GROEN SANTOSH KUMAR Santosh Kumar heads the Banking solutions globally for HCL Technologies. With more than 23 years of experience in the IT industry, Santosh has been working for HCL for the last 21 years and has been instrumental in setting up HCL’s first Innovation Lab for Financial Services in London in 2012 focused on disruptive technology R&D in the FinTech sector aiming to address real banking problems. Over the past several years, Santosh has been contributing to shape future of FinTech in the UK and Europe. In 2016, he was invited by the FCA, UK to collaborate in their first TechSprint (hackathon), a first of its kind organised by any regulator in the world. In 2017, Santosh was invited by the UK industry body, Innovate Finance to lead the AI chapter and help members identify the right AI use cases and implementing AI solutions within financial services organisations. RAJIV AGGARWAL Rajiv Aggarwal is the Director and Head of Public Policy, India at Meta, where he leads important policy development initiatives in India on an agenda that covers user safety, data protection & privacy, inclusion and internet governance. An experienced hand at public administration in a career spanning over 26 years as an Indian Administrative Service (IAS) officer, he has worked from grassroots to global level, including as a District Magistrate in 9 districts across Uttar Pradesh. Besides a host of policy initiatives at State level, he steered India's first ever national policy on Intellectual Property Rights (IPRs) as Joint Secretary in the Department for Promotion of Industry and Internal Trade (M/o Commerce), and was instrumental in the digital transformation of India’s IP offices. He has been closely associated with the India-US bilateral trade forum, besides being India’s lead negotiator on IPRs with other nations. In his previous assignment, he helmed policy issues in the challenging pandemic-affected times as Head of Public Policy at Uber for India and South Asia. PRASHANT SHAH SANJEEV MEHTA PRASHANT KUMAR MASAKAZU OSAWA Masakazu Osawa is Managing Executive Officer and Group Head of Digital Service Business Group and Chief Digital Transformation Officer (CDTO) for MUFG Bank, Ltd, a role which he also holds for MUFG group. As CDTO, Mr. Osawa is responsible for driving MUFG’s digital transformation to achieve sustainable growth and enhanced shareholder value over the medium-to-long term. He also serves as a board member in MUFG Bank. A seasoned banker with over 30 years of experience, Mr. Osawa has held key roles in Corporate Banking, M&A, and Retail Banking since joining the company in 1991. He was appointed as Head of Digital Transformation Division in 2017. In 2020, he was promoted to Group CDTO. And in 2021, he was appointed as Head of Digital Service Business Group as the first group head. Mr. Osawa holds a Master of Laws from the University of Chicago Law School in Illinois, USA. He also has a Bachelor of Laws degree from the Faculty of Law at the University of Tokyo, Japan. RYUTARO HIROSHIMA SHASHANK JOSHI SAMEER NIGAM Sameer Nigam founded PhonePe Private Limited in 2015 and serves as its Chief Executive Officer. Before starting PhonePe, Sameer served as Senior Vice President - Engineering and Vice President - Marketing at Flipkart, India’s largest e-commerce platform. His Flipkart journey started in 2011 when the company acquired his earlier startup - Mime360. Mime360 was a digital media distribution platform. Sameer has also served as Director of Product Management at Shopzilla Inc, where he built the company's proprietary shopping search engine. In 2009, he won the coveted Wharton Venture Award, bestowed by the prestigious Wharton Business School. He holds an MBA from Wharton Business School (University of Pennsylvania), USA, and a Master’s degree in Computer Science from University of Arizona, Tucson-USA. JITENDRA GUPTA AMRISH RAU CÉLINE SOUBRANNE Céline Soubranne has been AXA’s Group Chief Sustainability Officer since July 2018. After graduating in Political Science, she initially gained experience in journalism, local policymaking, and consulting. In 2006, she joined AXA as Head of Transformation and Communication, then became Director of Corporate Responsibility at AXA France. She drove the first ESG integration program in insurance products in France, with the creation of the "Citizen Insurance" Label. In December 2014, she was awarded the Women's Citizenship Trophy at the “Women in Insurance” Trophies. Now, she is leading an ambitious ESG and Climate strategy at AXA, for the whole Group, in its capacity as an investor, insurer and role model company. Since 2019, she has advocated for a better integration of biodiversity into investment and insurance decisions notably through the AXA-WWF report “Into the Wild”, which called for the creation of the TNFD. She currently represents AXA within the TNFD. NAVEEN BINDAL Naveen Bindal is the Co-founder of EnKash, which is one of the country's fastest-growing all-in-one Spends Management and Corporate Cards Companies. He co-founded EnKash in 2018 with two other Co-founders, Hemant Vishnoi and Yadvendra Tyagi who also come with hands-on experience in this space. Naveen is a stalwart who comes with 20+ years of experience in the Cards and Payments Industry. Prior to launching EnKash, Naveen was leading the Product & Technology vertical at CitrusPay where he was instrumental in business scaling and achieving the highest conversion rates. He also spearheaded the acquisition of platforms with ICICI Merchant Services and First Data Merchant Solutions, during his stint with the organization. Before venturing into entrepreneurship, Naveen has been associated with prestigious organizations including Citibank and DBS Bank in Singapore, at leadership positions. He was the key mastermind behind the implementation of end-to-end card issuing platforms for DBS Thailand, Kotak Bank, PNB, and HDFC Bank in India. EnKash is revolutionising the Cards and Corporate Payments industry in India by deploying a holistic approach. Today, the Fintech company caters to the entire spectrum of the Cards and Payments industry. On one hand, it issues Corporate Cards to businesses for their B2B payments, on the other, it provides an API Stack (CardX) for FIs, Fintech and Non-fintech companies to issue their own Card/Wallet/Reward programs. The Fintech Start-up has so far raised a total of USD 23 Million after bagging USD 20 Million in a Series B funding round in April 2022. The round was led by Ascent Capital and joined by Baring India & Singapore-based White Ventures. It also saw participation from EnKash’s existing investors, Mayfield India and Axilor Ventures. EnKash had raised $3 Million in a Series A round from Mayfield India and Axilor Ventures in April 2019. The company now plans to further scale up its ‘plug and play’ cards issuance stack, CardX, and expand its geographical presence on the international front. HEMANT VISHNOI Hemant Vishnoi is the Co-founder of EnKash, which is one of the fastest-growing all-in-one Spends Management and Corporate Cards Companies in India. He co-founded EnKash in 2018 with two other Co-founders, Naveen Bindal and Yadvendra Tyagi who also come with hands-on experience in this space. Hemant is a stalwart who comes with 20+ years of experience in the Cards and Payments Industry. Hemant also comes with more than two decades of working experience in the "cards & payments" space, and started his career when the digital payments space was still evolving. He was instrumental in setting & scaling up India’s 1st payment gateway by ICICI bank. Later, he led South Asia business for MoneyGram, a global player in cross-border payments. He also led business for CitrusPay pre & post its acquisition by PayU. It was under his leadership that card acceptance was enabled for full-service carriers including international airlines in India while working in ICICI bank, and later for low-cost carriers when working with CitrusPay. He co-founded EnKash out of his experience that most innovations in the last one and a half decade happened on the consumer payments side but B2B payments and solutions lacked value creation. Today, the Fintech company caters to the entire spectrum of the Cards and Payments industry. On one hand, it issues Corporate Cards to businesses for their B2B payments, on the other, it provides an API Stack (CardX) for FIs, Fintech and Non-fintech companies to issue their own Card/BNPL/Reward programs. The Fintech Start-up has so far raised a total of USD 23 Million after bagging USD 20 Million in a Series B funding round in April 2022. The round was led by Ascent Capital and joined by Baring India & Singapore-based White Ventures. It also saw participation from EnKash’s existing investors, Mayfield India and Axilor Ventures. EnKash had raised $3 Million in a Series A round from Mayfield India and Axilor Ventures in April 2019. The company now plans to further scale up its ‘plug-and-play cards issuance stack, CardX, and expand its geographical presence on the international front. MEGHNA SURYAKUMAR Meghna Suryakumar is a lawyer turned business leader who founded Crediwatch with the aim of providing financial access and mobility to millions of unbanked businesses. Her vision is to remove barriers and unlock value for businesses using cutting-edge technology, and building a culture of trust in business. Prior to founding Crediwatch, Meghna ran a cross-border law firm in India and the US, where she used alternate sources of data to assess risk for target firms in M&A deals. Meghna received her law degrees from Bangalore University and Columbia Law School and has a certificate in entrepreneurship from Stanford University. NITIN CHUGH AKASH SINHA Akash Sinha co-founded Cashfree Payments, a leading payment and banking technology firm in 2015 with his friend Reeju Datta, to solve the challenges faced by businesses in bulk payments and disbursals. Before launching Cashfree Payments, Akash worked with e-commerce giants such as Amazon and BankBazaar where he built products as a Software Engineer. With his experience as a programmer and product owner, Akash focuses on the intersection of technology and business opportunities. A community builder in the startup and entrepreneur space, he is passionate about cutting-edge tech that can help businesses experiment, scale and innovate faster. A graduate of International Institute of Information Technology – Hyderabad (IIIT-H), Akash started his first company while still in college, and he takes that legacy forward by building cutting-edge payment products and solutions for businesses. His entrepreneurial journey began shortly after completing his graduation in Computer Science and Engineering from IIIT where he was selected for the prestigious Google Summer of Code (GSoC), an international annual program in which Google awards stipends to students who successfully complete a free and open-source software coding project during the summer. In early 2021, Akash was featured in the highly respected Forbes India 30 Under 30 list. SOMNATH MUKHERJEE Somnath is AVP-Business at Zerodha, and is part of the founder’s office team looking after new initiatives. REEJU DATTA Reeju Datta co-founded Cashfree Payments in 2015 with friend Akash Sinha with the vision to offer a digital payments infrastructure to businesses operating in India. Prior to starting Cashfree Payments, Reeju has worked in real estate, at online furniture retailer FabFurnish and in analytics at consulting firm ZS Associates. With a focus on customer experience, marketing, finance, and hiring at Cashfree Payments, Reeju is enthusiastic about the startup ecosystem and enjoys interacting with businesses that offer innovative solutions. Reeju graduated from the Indian Institute of Technology Kharagpur (IIT Kharagpur). MADHUSUDANAN R ALEXANDRE TOMBINI MIGUEL DIAZ HARSHIL MATHUR ALKESH WADHWANI SUMIT AGARWAL Sumit Agarwal is SVP and Head – TripMoney Fintech Solutions (a Makemytrip group company). He is working towards utilizing the digital payments revolution in India for the purpose of furthering growth and bringing new customers into the ambit of online commerce. Sumit is also building TripMoney (a travel-fintech initiative by Makemytrip) to ease the availability of Credit/BNPL, Insurance, Forex & Cross-border remittance solutions in the digital space. With an overall experience of 20+ years, Sumit brings along significant expertise in product, business, strategy, operations, finance & compliance. NAVIN SURYA DIEDRAH KELLY SMITA AGGARWAL MR. SRINIVAS JAIN SHINICHIRO NISHIKAWA VARUN SRIDHAR Varun Sridhar serves as a Whole-time Director & CEO of Paytm Money. Varun holds two decades of experience, specializing in Capital markets, Retail Banking, and Consumer Finance. During his career, he has played key roles in leading the digital transformation journey of some of the top retail banks in India and abroad. His passion lies in setting up and scaling businesses from the ideation stage. At Paytm Money, Varun is responsible for driving strategy and leading the wealth management business for Paytm. Prior to PaytmMoney, Varun was instrumental in launching two fintech platforms – realme PaySa and OPPO Kash, as the CEO of OPPO Financial Services. His professional experience spans organizations such as - BNP Paribas, Value Partners Management Consulting, Deutsche Bank, Citibank, and ConvergeLabs. Varun holds a Degree of Masters in Business Administration from SDA Bocconi School of Management, Milan, Italy and a Bachelor’s Degree in Commerce, Hons. from Shaheed Bhagat Singh College, University of Delhi. MS. PRAVEENA RAI ANITA PAI Anita Pai Chief Operating Officer YES Bank Limited Anita Pai is a Senior Group President & COO with Yes Bank Ltd. In this role she is responsible for Technology and Operations – establishing a nimble operations set up backed by best in class technology platforms to deliver superior customer service. Prior to this, Anita was with the ICICI Group for 21 years. She was with ICICI Bank Ltd as Senior General Manager and Head – Branch Banking Service, ATM Business and Phone Banking. She was responsible for ensuring the right balance between customer self service in the branches with personal service, driving cross sell in the branches and improving process effectiveness to ensure audit compliance. Prior to this role until June 2018, Anita was responsible for Global Operations of ICICI Bank including Treasury and Credit mid offices. This was a team of 7000 employees and included Trade and CMS Operations as well as Retail and Corporate Operations. Earlier she was heading Customer Service at ICICI Bank, including the Phone Banking Channel, Service Quality, Six Sigma Quality and Innovation. Anita was a founding member of ICICI Prudential Life Insurance Company Limited, and was with them from inception till March 2010. As Executive Vice President, she was in charge of Customer Service, Operations, Technology and Infrastructure. She had overall responsibility for the entire backbone of the business, including underwriting, claims, operations, technology, customer service including the call centre and the Six Sigma quality initiative. She began her career in 1990 with one of India's premier mortgage loan companies, and worked in various divisions of the company. She has also worked briefly with a leading foreign bank and then joined the ICICI group, where she initially set up the credit and operations function for ICICI Home Loans. Anita has a Masters of Business Administration degree from Symbiosis Institute of Business Management, Pune. SHRI SAURABH MISHRA CAMILLA BULLOCK NITHIN KAMATH Nithin bootstrapped and founded Zerodha in 2010 to overcome the hurdles he faced during his decade-long stint as a trader. Over the last decade, Zerodha has changed the landscape of the Indian broking industry. With over 10 million clients and contributing to over 18% of the exchange retail trading volumes, Zerodha is the largest stock broker in India today. A tech-first company now, Zerodha offers innovative trading & investing solutions that appeal to a wide audience in a bid to reach those sections of society that have stayed away from the capital market so far. Nithin also started Rainmatter, an R&D fintech incubator and fund that has partnered with some of the best investment-tech startups in India. Rainmatter is focused on creating an ecosystem for spurring innovation in the financial technology industry in India. More recently, Nithin has also set up the Rainmatter Climate Foundation — an Indian climate fund providing funding to startups and grassroots organizations working on solutions to mitigate climate change. Nithin is also a part of the Secondary Market Advisory Committee (SMAC) and Market Data Advisory Committee (MDAC) with SEBI. Outside of work, Nithin enjoys spending time with his family, playing the guitar, poker, basketball, and swimming. RAJEEV AGRAWAL As Founder & CEO of Innoviti, Rajeev leads India’s largest collaborative commerce platform - a next generation marketing SaaS platform, that is helping diverse businesses such as banks, product brands, and merchants, to accelerate sales more efficiently than possible otherwise. An engineer by profession, Rajeev believes in a strongly design centric technology approach that can solve problems conclusively. Innoviti started its fintech business in 2008 and quickly established itself as a pioneer in solving real- world business problems at scale. The company has been a pioneer in the use of technology to add intelligence to payment transactions, helping merchants, banks and brands utilize the full power of data and digital payments to drive business growth. The company manages purchases of over $10B for merchants from over 2000+ cities, touching more than 90 million consumers annually. Bessemer Venture Partners, USA, FMO, Netherlands, Catamaran Ventures, Panthera Growth Partners, and Alumni Ventures are investors in the company. The company has four patents, including one US patent and is the winner of Mastercard’s Innovation Wizards Award, Reliance’s Most Promising Growth Consumer Finance Award and Deloitte Fastest Growing Companies in Asia award in 2020. Prior to founding Innoviti, Rajeev was Vice President and Head of Broadband Communications Business at Sasken, Bangalore. He has done his B.Tech and Ph.D. from IIT, Bombay. Rajeev is a member of the FICCI National Fintech Committee SEEMA CHATURVEDI RAJAN BAJAJ Rajan Bajaj is the Founder - CEO of slice, India's leading lending and consumer payments company. Rajan's vision is to redesign and create a transformative and seamless financial experience for today's GenZ and the millennials, a generation that holds a bright tomorrow for all of us. Therefore, Rajan built slice, for the young to give them a smart, simple, and transparent financial platform. Today, slice has over 12 million registered users from across the country with an average age of 27 years, making it one of the largest super card providers in the country. With its team of 1000+, this six-year-old startup has created the slice super card to enable easier bill payments, expense management, and unlock exciting rewards. The company recently launched the integration of UPI into its app for all its existing and waitlisted customers. With this, the fintech Unicorn transforms into a one-stop payment app extending its seamless and simple user experience across all payment methods. Prior to slice, Rajan founded Mesh, a furniture startup that allowed customers to rent products by making small monthly payments and an option to purchase anytime they wanted. Rajan also contributed to Flipkart's Product team by building their marketplace in its hatching phase, which was then the fastest-growing business unit and a major focus for Flipkart. His experiences led him to truly understand the importance of credit cards as a financial tool, which eventually led him to create slice to help other aspiring youngsters like him. An alumnus of IIT Kharagpur, Rajan has been listed in the Forbes Asia 30 under 30 list of 2021 and Forbes India 30 under 30 in 2022. Rajan has a great passion for basketball and is also a huge Lakers fan. SHRI BRIJESH SINGH VIPUL SHARMA PRAPHUL CHANDRA YADVENDRA TYAGI Yadvendra Tyagi is the Co-founder of EnKash, which is one of the country's fastest-growing all-in-one Spends Management and Corporate Cards Companies. He co-founded EnKash in 2018 with two other Co-founders, Hemant Vishnoi and Naveen Bindal who also come with hands-on experience in this space. Yadvendra is a stalwart who comes with 20+ years of experience in the Cards and Payments Industry. Yadvendra helmed the Cards and Payments' industry and has 18+ years of experience to his credit. He has been integral to the overall evolution and transformation of the industry, by constantly reinventing technology and catering to uncatered segments. Prior to starting EnKash, Yadvendra was a founding member at CitrusPay where he was instrumental in catalysing business growth, which led to the successful acquisition by PayU India. His previous professional achievements include the successful launch of RuPay cards on POS terminals while he was associated with NPCI, and becoming the Country Sales Manager for Global Blue where he spearheaded business development for India and the Middle East. Yadvendra has also held and excelled at leadership profiles at HDFC Bank in the Card Acceptance vertical. Today, EnKash caters to the entire spectrum of the Cards and Payments industry. On one hand, it issues Corporate Cards to businesses for their B2B payments, on the other, it provides an API Stack (CardX) for FIs, Fintech and Non-fintech companies to issue their own Card/BNPL/Reward programs. The Fintech Start-up has so far raised a total of USD 23 Million after bagging USD 20 Million in a Series B funding round in April 2022. The round was led by Ascent Capital and joined by Baring India & Singapore-based White Ventures. It also saw participation from EnKash’s existing investors, Mayfield India and Axilor Ventures. EnKash had raised $3 Million in a Series A round from Mayfield India and Axilor Ventures in April 2019. The company now plans to further scale up its ‘plug-and-play cards issuance stack, CardX, and expand its geographical presence on the international front. ANIL K PINAPALA Anil Pinapala is a FinTech entrepreneur with an experience of over 18 years in the Micro Loans /Digital Lending Industry. For the last couple of years, he has been working on expanding Credit Access in India with Vivifi – a FinTech NBFC – that offers Innovative Financial Products to customers across the Credit Spectrum with focus on the Under-Served / Unserved Customers. Vivifi’s flagship product, FlexSalary – India’s first emergency Line of Credit, provides unsecured personal loans to prime and non-prime salaried individuals. The business has expanded exponentially, receives over one lakh loan requests a month and has extended over 200 Crores to its customers. Anil’s continuing vision has now enhanced the underlying Line of Credit by adding a payment layer to provide customers who never had credit with a true (Digital) Credit Card experience. Prior to this venture, Anil founded and led TekFriday – a FinTech firm in Miami with an office in Hyderabad, that specialized in Lending Portfolio Management in digital sub-prime lending in USA. Tekfriday was eventually acquired by a Nashville-based Digital Lending company - Advance Financial. Anil currently sits on the board of this USD 250+ million revenue company along with being a minority owner of this company. His journey in the consumer lending and Fintech world started as being a part of the founding team and later the CEO of Virinchi where he designed and architected the world’s truly first Web-based Loan Management System – Qfund in early 2000s. He grew this to be the leading technology solution in USA Short-term Small Dollar (Payday) lending with nearly 50% market share and was recognized as a technology thought leader who understood the primacy of data and new product innovation in this space. ANIL KUMAR GUPTA NITIN GUPTA Nitin Gupta, an IIT Delhi & IIM A alumni is currently leading the team at Uni as the Founder and CEO. Uni is a new-age fintech start-up that is creating cutting-edge credit products, and with the help of those has raised $70mn in series A. He kicked off his journey as a Founder and CEO of Khojguru and then led the PayU India team as Co-Founder and CEO. He built PayU into one of the largest payment gateways, a $0.5B company in India; under his able leadership. In his last stint, at Ola, he headed the Ola Financial Services as CEO and launched OlaMoney Postpaid. Which is one of the largest BNPL businesses in the country. He also launched a co-branded credit card with SBI cards. Apart from building cutting-edge financial products he also invests in new and upcoming companies in the capacity of an Angel investor. SAMEER SINGH JAINI Sameer Singh Jaini is the Founder & CEO of The Digital Fifth. A Digital Strategist focused on removing friction, he has over two decades of experience spanning across Asia, Europe and America for which he is recognised amongst the Fintech Asia Top 100 by nextmoney.org Sameer has been a part of core teams responsible for setting up Kotak Mahindra Bank and Bharatiya Mahila Bank, as well as leading digital initiatives for leading banks. He has also won multiple Best CIO and Innovation Awards, including one for the industry’s First Aadhaar Based ATM. Building on this wealth of experience, Sameer founded The Digital Fifth, a fintech consulting firm. He now mentors Fintechs startups on their Business Model and collaborates with entities across the BFSI domain to drive on-the-ground digital initiatives in key impact areas like lending, digital banking, payments, wealth management and mobility. Sameer also strives to deepen the Fintech ecosystem by propelling partnerships between upcoming players and incumbent Banks & NBFCs. Sameer envisions that Fintech in India has just started, and this is simply Phase I of many more to come. DEEPAK SHENOY Deepak Shenoy dons many hats. He is a fund manager, an entrepreneur, a techie, a passionate blogger, a financial market expert, and an indulgent father. He brings over two decades of experience in financial markets from stocks to bonds to options and algorithmic trading. He was one of the first people in India to start an algorithmic trading firm back in 2009. He co-founded two start-ups (Agni Software and Moneyoga) before launching Capitalmind in 2010 (incorporated as a company in 2014), a Bengaluru based wealth advisory and portfolio management service. He has written over 5,000 articles on topics ranging from personal finance, macroeconomy, stocks, bonds, derivatives and public policies across his blogs. He has a B.E in Computer Science from NITK Surathkal and in his spare time, pretends to keep in touch with programming background. He is a regular commentator on various media channels like CNBC TV18 and ET Now. MATTHIAS KRONER BENJAMIN FERNANDES AMAN GUPTA SHUBHANGA PRASAD ABINAV VARMA KALIDINDI RUBY JAIN BHAVIK VASA Bhavik is an entrepreneur and business leader with 14+ years of global experience across FinTech, eCommerce, Digital Payments, and Mobile technologies. He is deeply passionate about building for and empowering entrepreneurs. He founded GetVantage as a purpose-driven company by founders for founders. He is also an Angel Investor and on the Board of multiple startups like BnT Fintech, Vested Finance, Blue Tokai, and LivingFood Company. Previously, Bhavik was Chief Growth Officer at ItzCash, instrumental for its scale as India's leading Fintech, and its exit to the Ebix group in 2017. He has a Bachelor's degree with honors in International Business from Northwood University, Florida, and executive training in Entrepreneurship from Stanford University. THEODORA (THEO) LAU Theodora (Theo) Lau is the founder of Unconventional Ventures, a public speaker, and an advisor. She is the co-author of Beyond Good, and host of One Vision, a podcast on fintech and innovation. She is also a regular contributor for top industry events and publications, including Journal of Digital Banking, Harvard Business Review, and Nikkei Asian Review. MITEN MEHTA SUMIT AGARWAL SUHAIL SAMEER Suhail Sameer is the Chief Executive Officer at BharatPe, one of India’s fastest growing financial services company. A prolific leader and a young achiever, Suhail has close to a decade and half of experience of working with companies from the Consumer (FMCG, retail), Energy (Utilities, Cleantech), and financial services sectors. He has built businesses from scratch and also helped turn around and/or grow existing companies. As the CEO of BharatPe, Suhail is responsible for the overall Business and P&L, Merchant Network Expansion, Monetisation, Lending, Banking Foray and the Brand. He works closely with Ashneer Grover, Co-Founder and MD, BharatPe and the Board to build BharatPe as the one-stop destination for all financial and payment needs of the merchant community. He is focussed on building a robust financial services business as well as creating new revenue lines on top of BharatPe’s rapidly expanding merchant network. Suhail is passionate about building the fintech and digital payments industry in India. He is also on the FICCI Banking Committee. During his career, Suhail has worked with leading companies like RP Sanjiv Goenka, Fireside Ventures, McKinsey and company and OTP Venture Partners. At RP-Sanjiv Goenka Group, Suhail was the CEO, FMCG Business and MD, RPSG Ventures. Suhail launched and scaled the multi-brand FMCG business (including brands like Too Yumm!, Evita and Dr. Vaidya) for the group. Suhail also helped Saregama in scaling their first B2C product (Carvaan) by providing thought leadership and execution support for retail chain contracts, and finalising India manufacturing. He also set-up and managed RPSG Ventures, their consumer VC fund. Additionally, he drove growth and portfolio decisions across many group companies. At McKinsey, Suhail led the clean-tech practice for South Asia and also spearheaded the Power practice for the Indian market. Suhail was one of the core members of McKinsey’s Institutional Investors Practice and co-led McKinsey’s Consumer Practice in India As the Managing Partner at OTP Venture Partners, Suhail has invested in early stage startups across consumer, consumer tech, fintech and SaaS space. Suhail is one of the ‘Mentors of Change’ for the Niti Aayog managed Atal Innovation Mission that supports innovation, career development and entrepreneurship amongst children. Suhail is also a member of FICCI National Committee on Banking. An IIM Lucknow and DCE alumnus, Suhail is a winner of the Economic Times Most Promising Leaders of Asia Award and Business World 40 under 40 in the year 2019. He was ranked by LinkedIn amongst the 14 most influential leaders for India in 2018-19. Suhail recently featured in the World Economic Forum’s Young Global Leadership List 2022. Suhail loves to travel in his spare time and has visited over 100 countries till date. GUSTAF AGARTSON Gustaf founded BIMA in Ghana in 2010. He has dedicated his career to growing and scaling BIMA from its early beginnings into a high-growth, international business. He previously worked in management roles at the pan-European telecommunications company Tele2. Gustaf holds a master’s from the Royal Institute of Technology in Stockholm and a Bachelor's in Business Administration from Stockholm Business School. RAJAT GANDHI Rajat Gandhi is the Founder & CEO of Faircent, India’s largest peer-to-peer lending platform and first to be certified as an NBFC-P2P. He has leveraged his experience of over 25 years in online and digital realms to pioneer the concept of online peer-to-peer lending in India and establish Faircent as the largest NBFC-P2P lending platform in the country. Rajat introduced the concept of P2P lending in India when he established Faircent.com in 2013. He has spent many years creating simple financial offerings for consumers by leveraging technology and has worked in close conjunction with different industry bodies, government and regulatory authorities to establish the online lending sector in India, actively canvassing for prudent regulations to address the country’s credit deficit with innovative tech-led solutions. Faircent.com was the first platform in India to be certified as an NBFC-P2P by the Reserve Bank of India (RBI), underlining its position as the industry front-runner and leader in both business practices and thought. Through Faircent, he has been playing a critical role in extending the benefits of financial inclusion to India’s traditionally underserved populace and democratising debt by enabling access to cheap and fast credit for borrowers, including the SME/MSME segment. It also provides a new age asset class to investors looking to maximise returns on their idle funds. This focus on offering greater value for all stakeholders in the lending value chain has been the key driver behind Faircent’s exponential growth. Rajat holds a Master’s degree in Business Administration, and in his past roles has been involved in launching and building online portals and communities as well as e-commerce, classifieds, and digital advertising businesses for some of the leading organisations in the country. An ardent traveller, Rajat spends his free time in company of family and friends. GAURAV RASTOGI Gaurav is the founder, CEO and Chief Evangelist at Kuvera.in. As a Portfolio Manager with Morgan Stanley, Gaurav saw first-hand how the wealth management industry is focused solely on the super-rich. He started Kuvera to change that and is on a mission to make the latest investment tools available to everyone. Kuvera is one of the fastest growing online investment communities with Rs 34,000+ crores in AUA and a community base of over 1.3 million spread across 800 cities. Gaurav holds a B.Tech in Computer Science from IIT Delhi and a MBA in Analytic Finance and Economics from The University of Chicago - Booth School of Business. AJAY SETIA PARAG MEHTA A visionary himself, at Evolute, he plays an instrumental role from strategic management to leading the organization to achieve greater milestones with each passing year. His endeavour is to transform the company in building multidimensional capability & achieve commercial success. His business acumen, risk taking capability and an eye for picking on opportunities makes him a sharp businessman. He is a 3rd generation entrepreneur imbibing all natural business attributes. His deep interests in technology & business has evolved him continuously to earn multi-level skills, required for providing direction to Evolute. Parag is focused on propelling Evolute into a fast growing Technology Conglomerate through businesses that uplift the lives of common man by bridging the digital divide in the society. He is presently driving the Product & platform journey for the group focussed in the space of payments, Fintech, Cleantech energy storage and overlooking family office. With a personal ambition to become an angel investor as well as corporate VC he is scouting for new opportunities in the ecosystem. He has successfully spearheaded launch of India's indigenously designed and patented ANDROID POS terminal along with digital payment platforms & have deep involvement in building battery management and energy storage technologies for EV/ESS. Parag has completed his diploma in electrical engineering from, Bhagubhai Mafatlal Polytechnic 1988 - 1992 & diploma in business management from Narsee Monji Institute of Management Studies (NMIMS) in 1994-1995. He is an avid global traveller, loves playing indoor sports, enjoy experiencing off-beat adventure sports & meeting new people across the journey of life. He also embraces a continuous learning approach even in his busy work schedule. ANISH ACHUTHAN A tech visionary and a serial entrepreneur, Anish is the Co-founder & CEO of neobanking platform OPEN that offers a business banking service to SMEs, startups & freelancers. In the past year, OPEN has introduced two new products - Zwitch, Asia's first end-to-end embedded finance platform and BANKINGSTACK, a modern cloud-native fintech OS which helps banks and FIs launch fintech-powered digital banking solutions. Anish has spoken at various fintech panels globally which includes Singapore Fintech Festival 2020, Money2020, Paris Fintech Forum, Vision2020 and is one of the leading think tanks in Asia and globally in the neobanking segment. He was conferred the ScaleUp Entrepreneur of the year award by TiE. SHRI MANOJ KUMAR MISHRA SHERGERAN NAIDOO Shergeran is the Head of Stakeholder Engagements at BankservAfrica. He joined BankservAfrica in 2008 as the Compliance Officer and has served the organisation in several capacities over the years. After completing his legal articles in Pietermaritzburg, Shergeran relocated to Johannesburg in 2001 where he joined Nedbank. He later joined Standard Bank in 2006 as a Corporate Governance Manager reporting to the Group Company Secretary. He holds a BA (LLB) from the University of KwaZulu-Natal, a Higher Diploma in Tax Law from the University of Johannesburg, and an MBA from the UNISA Graduate School of Business Leadership. SANDEEP LAXMAN DR. KASTURI DADHE KUNAL VARMA Kunal is a serial entrepreneur and has founded two other companies before Freo. In his previous avatar, Kunal was the cofounder and CEO of Tapstart (formerly Skillwiz), a job discovery platform for consumers. It touched the lives of more than 300K consumers in less than two years of launch, and exited in 2015. Kunal bootstrapped and started Aspirare around 2010 as a services business in learning and assessments space, which eventually moulded into Tapstart. Prior to that his venture was offering other Marketing Services for SMEs. Both these ventures were profitable with positive cash flows. Kunal has got his hands dirty on every aspect of building a business, right from product development, engineering, inbound marketing, sales and business development, customer service, operations and fund raising. Before starting his entrepreneurial journey, he spent more than seven years in the field of technology and R&D, building next gen semiconductor products for wireless and handheld devices. He worked in engineering management positions at Texas Instruments. Kunal did his B. Tech in Computer Science from IIT Roorkee and holds an MBA in Marketing & Strategy from ISB, Hyderabad. He is a restless soul, a fitness buff and a foodie. ENRICO LODI Enrico Lodi is Managing Director at CRIF headquarters in Bologna, managing over a worldwide number of data-driven business lines, including the ones being part of the CRIF Digital ecosystem. CRIF is a global company which supports and creates value for financial institutions, businesses and consumers, all over the world with a range of information services and solutions for credit and commercial risk management and for marketing. Enrico Lodi was born on 30th April 1964 in Ferrara, Italy. In 1983, he got a high school degree, specializing in classical studies. After graduating in Economics from the University of Bologna in 1988, Enrico studied in Milan for a Master in Advertising, and afterwards, he worked (from 1989 to 1994) for various advertising agencies. He started working for CRIF in 1994, initially in marketing and sales depts.. Since 1997, he has been in charge of CRIF Credit Bureau business management. Enrico has been working with Customers and projects across the Americas, Europe, Africa and Asia. Nowadays Enrico is developing business in US as well as following the CRIF digital offering NITIN MISHRA RAHUL HANDA . RAHUL TANDON . HARSHVARDHAN LUNIA DR. K V SUBRAMANIAN Dr. Krishnamurthy V Subramanian is a Professor at the Indian School of Business. As the youngest Chief Economic Advisor to the Government of India from 2018 to 2021, Dr. Subramanian instituted policy that led to India emerging from the once-in-a-century Covid crisis with strong macroeconomic fundamentals, unlike the previous crisis when India joined the “Fragile Five” economies. Acknowledging Dr. Subramanian’s contributions, the Hon’ble Prime Minister Shri. Narendra Modi noted his “academic brilliance, unique perspectives on economic and policy matters, and reformatory zeal.” Dr. Subramanian authored path-breaking Economic Surveys on Ethical Wealth Creation for a prosperous India (2019-20), the Strategic Blueprint for India to become a $5 trillion economy (2018-19), and the post-Covid economy using public capital expenditures in infrastructure and healthcare to further counter-cyclical fiscal policy (2020-21). India’s economic policy toward a self-reliant India and the concomitant reforms draw on the ideas he advocated in these Surveys. His ideas of the use of Behavioural Economics and Thalinomics captured the public imagination. Dr Subramanian has been conferred the Distinguished Alumnus award by his alma maters IIT-Kanpur and IIM-Calcutta. A PhD from University of Chicago, Prof. Subramanian’s research in banking, law and finance, innovation and economic growth, and corporate governance has been published in the world's leading journals. AMIRA KARIM BHARGAVI SRIDHARAN CHARU MATHUR GOUTHAM BHARADHWAJ DIPU KV Mr K V Dipu is Senior President at Bajaj Allianz General Insurance Company, a joint venture of the Bajaj group & Allianz. He drives digital transformation, innovation, and industry leadership as the head of operations and customer service @ the world’s #8 digital insurer. Mr Dipu leverages start-ups from fintech/insurtech globally while leading a team of ~1600 people in 150 locations. Many of his accomplishments have received industry awards & press coverage – India’s Top 20 Conversational AI Leaders 2021, Global 25 CX Leaders of the Year consecutively for 2 years (2020 and 2021), 50 Fabulous Innovative Leaders 2020, India's Top 30 Emerging Tech Leaders 2020 et al. A management graduate from the Indian Institute of Management Lucknow (IIM Lucknow), he joined Bajaj Allianz GIC in 2016 after a stellar career of nearly 20 years with GE Capital. During Mr Dipu’s distinguished career spanning over 26 years, his forte has been combining digital transformation with deep domain expertise & six sigma rigor to redesign the business model for operational excellence and customer delight. Bajaj Allianz GIC has thrice been awarded “Digital Insurer of the Year” across Asia. Mr Dipu is a certified lean six sigma black belt and a member of the Harvard Business Review Advisory Council, an opt-in research group of business professionals. Mr Dipu is also an IvyExec mentor & a member of various global committees such as EFMA editorial committee, UiPath Customer Advisory Board, Pioneers of Automation Board, CII Committee on Financial Inclusion & Fintech, Worldwide Thinktank on Advancing Practical AI et al. A speaker on transformation & innovation at various domestic & global industry forums, he writes a monthly column in a Mumbai based newspaper on the digital world & articles in various publications from time to time. He has spoken to audiences in five continents. RON DANIEL SURESH KRISHNAMURTHY RAJESH CHOPRA Rajesh Chopra is the Head & Senior Vice President of Data & Services for Mastercard-South Asia , leading the teams comprising of 600+ Data scientists and Payment Strategy Consultants . Rajesh has more than 22 years of experience across diverse areas like Business Analytics, Risk Management, BFSI consulting, Business Research & Development leveraging best-in-class Big data & AI/ML solutions. Before joining Mastercard in 2015, Rajesh held key leadership positions with American Express across his 12 years of tenure post his debut at Infosys Technologies Limited. Rajesh is an alumni of Indian Institute of Management, Kozhikode & has a Bachelor’s Degree in Engineering from Punjab University (Tech). KARTHIK GANPATHY DR. ROBERT OCHOLA Dr. Robert Ochola is an expert in strategy and innovation within the African banking and mobile telecommunications industry. He is responsible for AfricaNenda’s overall strategy execution and leadership. His primary focus at AfricaNenda is building momentum for an inclusive and interoperable approach to digital payments across Africa. During his career, Robert has pioneered the development of a new Pan-African Payments and Settlement Systems (PAPSS) for driving cross-border trade, led the development of mobile payment solutions and the expansion of its product suite, along with overseeing the successful roll-out of solutions for ultra-low-cost mobile devices across Africa and the Middle East. Before joining AfricaNenda, as Chief Executive Officer, Robert served as the Director of Strategy and Innovation at Afreximbank, as Head of Strategy with Safaricom, and was the Director of Strategy, Research, and Innovation at the KCB Bank Group. He is an alumnus of Imperial College London, Warwick Business School, and the University of Cape Town. SOURABH TOMAR . PAOLO SIRONI PAOLO SIRONI is the global research leader in banking and financial markets at IBM, the Institute for Business Value. He is a former start-up entrepreneur and quantitative risk manager in investment banking. Paolo is the author of literature about finance, banking, and digital innovation. Member of the IBM Industry Academy, his latest bestseller “Banks and Fintech on Platform Economies” explores how platform theory, born outside of financial services, will make its way inside banking and financial markets to radically transform the way firms do business. For more information, thePSironi.com SHIVPRASAD NAKATE AJAY SINGH SHWETA RAJPAL KOHLI IAN SCHNOOR Ian Schnoor is the Executive Director of the Financial Modeling Institute (FMI). In this role, he works closely with the FMI team on the creation and execution of FMI’s strategy. Ian is also a Principal and Founder of The Marquee Group, a leading provider of financial modeling training to professionals in the financial community. Ian has built The Marquee Group into a leading provider of financial modeling training, consulting and accreditation. Over the years, Ian has taught thousands of business professionals and university students in Canada, the United States, the United Kingdom, Australia and Mexico. Ian is passionate about teaching and brings a hands-on, interactive approach to every course. Ian teaches at Queen’s University and is a past recipient of the “Instructor of the Year” award in the Master of Finance program at the Smith School of Business. MANISH CHOWDHARY VADIVELAN S. DEEPESH BAXI ROHIT LAD BADAL MALICK "Badal is a Co-Founder & Chief Business Officer at KarmaLife, a financial solution for gig workers. He has 15 years of experience in financial services & fin-tech related innovation and business transformation. Previously, he was the Founding CEO of Catalyst, a USAID-sponsored program focused on digital financial inclusion of MSMEs. He has held leadership roles at SnapDeal, Intuit, McKinsey & Co. and the World Bank. Badal has an MBA from the Yale School of Management, a Masters of Science in Economics from the University of Wisconsin, and a BA in Physics & Economics from Brandeis University. He is a 2019 Chevening Financial Services Fellow recognized by the UK Government." SAGRIKA SHAH Sagrika is the co-founder at ConnexDoor, and also heads Fintech Investment research at The Fintech Meetup/Yatra. At ConnexDoor, she's trying to build a fintech-focused investment platform which is set to democratize the way VC ecosystem works. While in Fintech Yatra, the team travels across India in hunt for unique early-stage fintech startups, and provide them access to networks in BFSI, VC and fintech space. SABINE MENSAH Sabine Mensah has strong leadership experience in digital payments and mobile money across multilateral and the private sector. As the Deputy Chief Executive Officer, Sabine oversees AfricaNenda’s capacity-building and partnership efforts through convenings and thought leadership, with the aim of strengthening the payments ecosystem across Africa. Prior to joining AfricaNenda, Sabine served as the Regional Digital Hub Manager for the United Nations Capital Development Fund (UNCDF), where she led the development of inclusive digital economies to accelerate financial inclusion across West and Central Africa. She also successfully drove UNCDF’s global digital infrastructure workstream. As the Regional Director responsible for domestic and international remittances at Western Union Canada, she specialised in agent network management and remittance product design. Sabine is a Certified Digital Finance Practitioner by Digital Frontier Institute and an alumna of the Institut Franco-Américain de Management in France and Central Michigan University in the United States. RAMGOPAL SUBRAMANI SUSANNE CHISHTI PRIYA NADKARNI NAVEEN KUKREJA Naveen Kukreja is the CEO & Co-founder of Paisabazaar.com - India’s largest marketplace for consumer credit and credit score platform. Naveen is one of the leading and most prominent faces of India’s fast evolving Fintech Industry. He has an experience of over 18 years in the financial services markets of India and Europe, having worked in leadership roles at Citibank, Capital One Bank and Aviva Life Insurance. Naveen co-founded Paisabazaar.com under the Policybazaar Group in 2014. Under Naveen’s strong leadership, Paisabazaar.com became the market leader within 3 years of inception. In 2019-20, it became the only independent digital platform to disburse loans at an annualized rate of USD 1.5 billion. Paisabazaar also runs India’s largest credit awareness initiative by offering consumers their free credit report for life. Naveen and Paisabazaar have been recognized at several industry forums for contributions to the lending industry like, “Excellence in Consumer Lending” at India Digital Awards, Most Innovative Fintech in Lending at India Fintech Awards &; Best Fintech Brand by ET. Naveen is an alumni of IIM Calcutta and the Delhi College of Engineering. NITENDRA RAJPUT Nitendra works as the Senior Vice President and Head of AI Garage in Mastercard. He has over 20 years of experience in the area of Artificial Intelligence, Machine Learning and Mobile Interactions. He has authored over 100 publications at top international ACM and IEEE venues, owing to which he has been recognized as an ACM Distinguished Scientist and a senior IEEE Member. He has delivered several tutorials and conducted workshops in AI and speech areas at top ACM venues. With over 50 granted patents to his name, Nitendra was an IBM Master Inventor and was also an IBM Academy of Technology member. In 2012, he coauthored a book titled "Speech in Mobile and Pervasive Environments" that was published by John Wiley & Sons. In 2021, he was recognized with the Technical Role Model in AI award at Zinnov Awards. In 2022, he has been recognized as an ACM Distinguished Speaker and also as Top AI Leader by Analytics India Magazine Before joining Mastercard, he spent 18 years at IBM Research, working on different aspects of machine learning, HCI, software engineering and mobile sensing. He then spent 2.5 years at InfoEdge as EVP and Head of Analytics from 2017 to 2019. Nitendra holds a Masters degree from IIT Bombay. Nitendra is also an Ironman finisher, a grade-3 Trinity guitar player, blind-folded Rubik’s cube solver and advanced meditation practitioner and teacher. PIYUSH GUPTA Piyush Gupta is the Chief Data Scientist at PayU Finance. He leads the data science and Artificial Intelligence (AI) teams to leverage insights to help PayU Finance in its ambition of drivingfinancial inclusion to the underserved and underbanked customers. His responsibilities include creating and executing the overall data strategy for PayU Finance, leading the growth of the consumer business through innovation in Machine Learning (ML) and AI, and enabling the democratization of data and models. Piyush also focuses on developing ethical AI algorithms to build consumer insights and avoid data-biases, particularly in credit models. He led the transformation of the credit business by bringing PayU Finance products to more than 62 million pre-approved customers through innovative use of data and AI models. Piyush is a seasoned data science leader with over a decade of experience in the industry. His previous roles include a number of senior positions at Citibank, PaySense, and Mu-Sigma. He received his Ph.D. in Civil Engineering and Computational Science and Engineeringfrom the University of Illinois at Urbana-Champaign. RAJESH MIRJANKAR GAURAV KUMAR SHRI PONNURAJ- IAS RISHI BATRA SAHIL KINI AJAY UPADHYAY BEATA MONKA SHASHWAT SHARMA Shashwat Sharma has 25 years of experience in management consulting, supporting clients on themes of strategy, digital capabilities enhancement, and operational transformation. His work in Financial Services is across Banking, Insurance, Payments and Asset Management, focusing equally on new-age disruptors challenging established business models and incumbent industry leaders trying to maintain market position. He has a passion for creating social Impact for our communities and believes in the power of technology to drive greater inclusion RITESH PAI Ritesh Pai, President - Products & Solutions at TerraPay. is a commerce graduate with masters in financial management from Mumbai University with over 25 years of banking experience in project management, system solutions, design and implementation for Digital and Direct Banking Products and Cards catering to assisted or self service methods of financial transactions. Ritesh has transformed a set of subscale and substandard channels into one of the banking’s largest digital real estate serving millions of customers. Having designed and delivered radically simplified digital platform, he remains passionate about creating and deepening customer value propositions that use business, technology and design. He is actively involved in mentoring and working closely with the start up industry and fintechs in particular and was ranked among the top 30 fintech influencers in India. He was awarded as India’s best CDO in 2017 and BFSI game changer in 2019. He has spoken and participated as a speaker in various domestic and international forums pertaining to digital and fintech and has also served as a guest lecturer for various academic institutions. WILLY LIM VISHAL SHARMA NISHANT KUMAR Nishant Kumar is the founder and CEO of Lakshya, a fintech company based in India to improve Financial Health of the underserved by providing flexible, customized financial products and digital literacy. Lakshya works primarily with the informal segments including artisans, drivers, farmers and contractual factory workers with a focus on micro savings and insurance. Nishant is also associated with MSC where he leads the Financial Inclusion Lab. A part of CIIE.CO’s Bharat Inclusion Initiative, the Financial Inclusion Lab supports startups in the areas of Fintech, Skilling, and Livelihood working in the Bharat Segment. Till date, more than 50 startups have been supported under the FI lab. SANJAY DOSHI MOHIT GOPAL JUHI BELANI SUDHIR SEHGAL MUZAFFER HAMID A seasoned banker, a business founder, and results-oriented professional with over two decades of experience and deep expertise in financial services, especially in Retail and SME banking. Proven record of accomplishment across an entire range of Retail and Corporate banking products, processes, and geographies including China, India, Ukraine, Asia Pacific, and CEEMEA countries. Leader in management teams that have turned around businesses and delivered predictable, sustained, and consistent growth trajectory of double-digit growth. SASHANK RISHYASRINGA With him as Managing Director, the company has pioneered technological innovations which have altered the lending landscape in the country. Prior to co-founding axio (formerly Capital Float), Sashank was a Senior Engagement Manager at McKinsey & Company, where he advised several Fortune 500 companies, national governments, and non-profits on business strategy, product innovation, and organizational design. He possesses an extensive understanding of the global Fintech space and has prior experience in investments, financial inclusion and mobile technology from his time at McKinsey. Sashank holds an MBA from Stanford University and graduated Magna Cum Laude from Princeton University by specializing in Economics and Finance. VINEET K SINGH Vineet K. Singh is an entrepreneur with 25+ years of work experience in sectors across Payments, PropTech, E-commerce & Classifieds. He was part of the Management Team of Info Edge as a Business Head/CBO for 15 years. He built and scaled Naukri & 99acres from the start to market leaders. His last professional assignment was in Mobikwik where he was the Chief Business Officer. Vineet’s current endeavour is to build a transaction-banking focused escrow-banking solution for enterprises, for both domestic and cross-border transactions. Castler also wants to democratize the escrow product for mass adoption amongst consumers and MSMEs to eliminate fraud. NANAIAH KALENGADA Nanaiah Kalengada is the Managing Director, Equifax Credit Information Services Private Limited and Country Leader - India & MEA, Equifax. He is responsible for providing leadership and oversight for both the Credit Bureau in India and Analytics businesses in India & Middle East region for Equifax. Nanaiah has led Equifax to build diversified solutions with exchanges across Retail, Microfinance, Commercial, Employment and Fraud Risk management over the years with a unique market position. Equifax has also been awarded with the ‘Best Brands 2021’ by the Economic Times under his leadership. Nanaiah is also the Director of Infocredit Holdings Private Limited (IHPL) based in Singapore and a Committee Member of CII National Committee on Inclusion and Digitization. Prior to joining Equifax, he was the Managing director of Pitney Bowes in India, a global technology company. He has set up the India Business of Pitney Bowes as the first Managing director and managed the business successfully for over ten plus years. He has proven skills of having built a high performance organization, setting up processes, implementing controls and introducing innovative solutions to create success patterns. He has also received awards for encouraging Diversity at workplace. An avid cyclist and loves farming. SIMMI SAREEN SHINJINI KUMAR MONA SRIVASTAVA . ABHILASH EDAKADAMPIL AMOL SONBARSE WILFRED SIGLER INEZ MURRAY Inez Murray is the CEO of the Financial Alliance for Women, an international trade association of financial services providers driving women's wealth creation worldwide. Its members—banks, insurance companies, payments companies & fintechs—work across 180+ countries to build innovative, comprehensive programs delivering women the tools—access to capital, information, education and markets—they need to succeed. The Alliance provides members with a unique platform for peer learning & networking, giving them the resources they need to serve women customers well. The Alliance also uses its collective voice to advocate for greater awareness of women’s vital economic role as consumers, investors and job-creating entrepreneurs. GURJODHPAL SINGH Gurjodhpal Singh was appointed CEO for Tide India, in January 2021. He is an experienced leader in the industry, with 13 years in FinTech and financial services. Most recently, Gurjodhpal led the SME merchant payments and credit businesses at PayU, the leading payment service provider in India; and has extensive experience of providing superior services to MSMEs. He boasts considerable experience in supporting Indian SMEs over many years, and is now at the helm of Tide in India, to establish the business in India and scale it over the coming years. Gurjodhpal is passionate about helping SMEs across India digitise and use intuitive technology to help them save time (and money) on the running of their businesses. At PayU, he was key to setting-up and scaling the SME merchant payments business. He was instrumental in acquiring 300,000+ SME merchants over four years through digital & non-digital channels. With all this experience in the sector behind him, Gurjodhpal looks to create something new for Indian SMEs that will empower them to reach their full potential. He is an alumnus of Indian Institute of Management Ahmedabad (IIM-A) and has been recognised as India's 100 Great People Managers by Forbes India in 2019. ANUSHREE BAKLIWAL PROF. PONNURANGAM KUMARAGURU Prof. Ponnurangam Kumaraguru ("PK") is a Professor of Computer Science at IIIT-Hyderabad. He is an Associate Researcher at Robert Bosch Centre for Data Science & AI - IIT Madras, Visiting Faculty at IIT Kanpur and an Adjunct faculty at IIIT Delhi. PK was inducted an ACM Distinguished Member in 2021. PK is an ACM India Council Member, and Chair of the Research Facilitation Committee of ACM India. PK is a TEDx and an ACM Distinguished & ACM India Eminent Speaker. PK received his Ph.D. from the School of Computer Science at Carnegie Mellon University (CMU). His Ph.D. thesis work on anti-phishing research contributed in creating an award-winning startup - Wombat Security Technologies. Wombat was acquired in March 2018 for USD 225 Million. PK was listed in the World's 2% Scientists by Stanford University in Nov 2020. PK's research work regularly gets featured on news media, including print, online, and TV within India and across the world; to list a few, BBC, CBC, CBS, CNN, NBC, New Scientist, NewYorker, Reuters, USA Today, Washington Post, and many more. He has co-authored research papers in the field of Computational Social Science, Privacy and Security in Online Social Media, Cyber Security, Social Computing, Data Science for Social Good, amongst others. In addition to his contributions to academia, PK is on advisory role on various government organizations, government committees, including a 8 member committee on Non-Personal Data by Government of India, chaired by Mr. Kris Gopalakrishnan. VIJAY RAJAGOPAL Vijay Rajagopal has strong leadership experience of >16 years in the financial services / fin-tech space - across Payments, Credit, Cards, Banking etc. Vijay's expertise is across Strategy, Business development, Enterprise sales, Partnerships, Operations and Finance. He currently heads sales and business development at Amazon Pay (offline). He headed Strategy and Operations at PayPal India. He was the Founding Leader and National Head at Zeta and Director of fin-tech strategy at Quess Corp. He has also served as a Director on the Boards of 5 companies. He is a fintech startup mentor in platforms like Financial Inclusion Labs (CIIE, IIM Ahmedabad), IIM Kozhikode, Atal Incubation Centre (JV between Indian School of Business and NITI, Aayog) and Mumbai Fintech Hub. He is also a faculty for BITS, Pilani global executive MBA program's (fin-tech specialization) “Introduction to Fintech '' course. He has an MBA from IIM-Ahmedabad, an Engg. Degree from BITS, Pilani and a CFA (Chartered Financial Analyst) from the US. MOHIT SAHNEY BARBARA BIRO Innovation Strategy, Fintech & Digital Transformation expert, Futurist, Speaker with broad experience in the MENA region through working with Citibank, Mashreq, Standard Chartered Bank and Rakbank heading the digital transformation. Advisory board member of Surefire Capital in Canada and Strategic advisor of Housing Finance Bank of Uganda. Publicist on the US #1 Digital Banking portal The Financial Brand. KOMAL SAHU Komal Sahu serves as the Chief of Sustainable Finance at AVPN. She leads AVPN’s engagement with family offices, HNWIs, private wealth holders, corporations and financial institutions across Asia. In this capacity, she helps these stakeholders achieve their objectives of investing within a framework of impact and sustainability. Komal brings over two decades of diverse work experience in Europe and Asia to her role. She began her career as an investigator with the British Civil Service and was focused on the SME sector in London. She subsequently worked for KPMG where she specialized in the fund management industry. Komal has completed numerous assignments at top tier banks and insurance companies. She has tax expertise in structuring entities and funds and working with asset managers. Over the last decade, Komal has provided support to a number of social enterprises and charities across Asia. She is an angel investor and an LP in early and late stage funds. Many of her investments have focused on generating societal good. Komal has served as a mentor at a number of incubators and accelerators and has worked with startups including at A Star, a Singapore government led accelerator for science and technology companies that are improving lives through innovation and discoveries. Komal is a Fellow of the Institute of Certified Accountants and a Chartered Tax Advisor. She has an FT certification as a Non-Executive Independent Director and is a WMI Certified Family Office Advisor. She also has a BA Honors in Economics from Sri Ram College of Commerce, University of Delhi. SUGANDHI MATTA As Chief Impact Officer, Sugandhi leads the firm’s approach towards assessing, measuring, consolidating and driving impact outcomes across its portfolio companies, in order to deliver measurable, positive impact alongside compelling financial returns. She also leads investments in South and South-Asia for the firm. Sugandhi has over 17 years of investing experience in South and Southeast Asia. She was previously Director of Investments at LeapFrog Investments, a billion-dollar impact fund focused on financial inclusion. Prior to impact investing, she focused on Southeast Asia mid-market private equity at emerging markets investor Actis. Sugandhi began her investing journey as a member of the Financial Services team in Temasek Holdings. An experienced board member, Sugandhi has held board directorships in companies operating across different countries, including India, Thailand, and Indonesia. She currently sits on the board of Cropin, a global artificial intelligence and data-led agri- tech organization based in India; HealthCare At Home, an out-of-hospital care provider in India and the enterprise board of the Institute of Innovation & Entrepreneurship at the Singapore Management University. Sugandhi is an advocate of gender equality and actively commits time to mentor women entrepreneurs as well as women-led ventures. She believes that access to education, employment, and entrepreneurship is the key to elevating lives and livelihoods. Sugandhi holds a Master of Business Administration from the Indian Institute of Management, Bangalore (India), and a Bachelor of Engineering from Maharaja Sayaji Rao University, Baroda (India). GOURI SANKAR GOLLAPUDI Professional development banker with 25 years of development finance experience across varies institutes of national and international repute, substantial part of that in MFI funding, with high academic qualifications. Well recognised in the microfinance circles for the contributions made, not only with MFIs, but also with other important stake-holders like microfinance capacity building agencies, microfinance investors / funds and industry associations etc. Diverse developmental banking experience includes: * Manager, Small Industries Development Bank of India (SIDBI), an apex national level institution for the promotion and development of SME / Microfinance * Vice President, Axis Bank Head Office as head of Microfinance and contributed to agrifinance viz. Ware house receipt finance and tractor finance * Director, Microfinance and Financial Inclusion at Standard Chartered Bank, Mumbai contributing at regional level on microfinance business and CB initiatives * Regional Microfinance and Agrifinance Specialist for South Asia at International Finance Corporation (IFC), Mumbai, supporting Access to Finance functions Successfully lead international collaborative projects like SIDBI-DFID project on microfinance, SIDBI-SDC project on SME development, IFAD project on long term funding, DFID Challenge fund project at Axis Bank and Standard Chartered-IFC microfinance risk sharing project and quite a few developmental projects like microfinance credit bureau, collateral registry, enhanced rural finance through cooperative banks etc. MAYURESH KINI Mayuresh Kini is the Chief Operating Officer and Chief Financial Officer at PayU Finance. In his dual role Mayuresh is instrumental in spearheading the organization’s strategic moves aligned to its vision of creating a full-stack digital financial services platform to serve all financial needs of consumers in India. He is responsible for leading and scaling the company’s overall growth and business operations for LazyPay, India's preferred Buy Now Pay Later solution and PaySense, a full stack personal loans company. His role includes overseeing design and implementation of business strategies, fund raising and developing and implementing financial procedures to improve and maintain the financial health of the firm. With a career spanning over two decades focused on financial services, Mayuresh has donned many hats across the spectrum covering finance, strategy, private equity/venture capital and management consulting, both in India and abroad. He joined PaySense as the COO and CFO in 2018, and when the digital credit platform was acquired by PayU, took over as the COO and CFO of PayU Finance, one of the leading digital lenders and the NBFC unit of PayU. An alumnus of IIM-Ahmedabad and a qualified Chartered Accountant, Mayuresh has previously worked with Ernst & Young, McKinsey & Co., and Faering Capital, among others. ANOOP NAIR UJVAL BUCHA Ujval Bucha is an MBA in IT Business Management from Symbiosis International University, Pune with majors in Cybersecurity & Software Solutions Management and B.Tech in IT from Anna University. What keeps him excited every day is to work on Cybersecurity products and services that solve real world problems that matter. He is currently working as a Senior Product Manager at EclecticIQ for their Intelligence Centre Product. In his free time, Ujval writes blogs on Product Management Practices - https://medium.com/@ujval.bucha BART DE JONG Bart de Jong is currently Consul General of the Kingdom of the Netherlands in Mumbai India, since October 2020. Bart joined the Dutch Government service in 1988, where he served in various positions dealing with international relations of the ministry of Infrastructure and Water Management. He covered policy areas ranging from transportation and infrastructure to water management and environmental issues like climate action and circular economy. At various moments in his career he was posted at diplomatic representations of the Netherlands abroad, viz. at the Royal Netherlands Embassy in Jakarta, Indonesia (1995-1999) and the Permanent Representation of The Netherlands with the European Union in Brussels (2004-2009). After having served as head of the Shipping Division in the Netherlands from 2009-2015, he was posted to Washington D.C., where he worked from 2015-2020. In his assignments abroad Bart’s role was to further bilateral economic ties with counterpart foreign agencies, local governments, the private sector, academia and NGO’s. Bart holds an MA in Human Geography of Utrecht University, with minors in Development Economics and International Political Relations. SOHINI RAJOLA SHRUTI CHANDRA GOPALAN RAMKRISHNA HARSH JAIN Harsh Jain heads Growth and Business at Groww. Before Groww, Harsh was part of the product management team at Flipkart. Previously, Harsh had co-founded a story-telling start-up. Harsh holds a B-Tech in Electrical Engineering and a Masters in Information and Communication Engineering from IT Delhi. He studied for his MBA in product management and marketing from UCLA School of Management. RAKESH SINGH CECILIA TAMEZ Cecilia Tamez works as Chief Strategy Officer for Euronet’s Money Transfer Division, facilitating business strategy and Data Science. She started as the fifth employee at Xe almost twenty years ago and supported the growth of the company until its acquisition by Euronet in 2015. She continues to work at Euronet in a leadership role, expanding her remit across Xe, Ria Money Transfer, and their most recent brand, Dandelion cross-border payments network. Cecilia is a frequent public speaker on the importance of cross-border payments – with a special focus on emerging markets, as well as data science innovation in the fintech space. RASHMI SATPUTE ANUBHAV JAIN Anubhav is the Co-Founder and CEO of Rupifi, India's 1st B2B Payments Fintech providing Payments and Credit layers for Marketplaces and Brands to offer the most flexible payment options through a single API using their B2B Checkout and Instant Reconciliation. Prior to Rupifi, Anubhav Co-Founded Qbera, a Consumer Lending Fintech in the Personal Loans space, acquired by Incred. Anubhav has over 13 years of experience in Risk Management and Analytics across his Start-ups, American Express and EXL ARUNDHATI RAMANATHAN Arundhati Ramanthan is the Deputy Editor of The Ken--India's premier subscription-only business publication. She also writes a weekly newsletter on fintech called 'Ka-Ching!' DR. JASMINE B GUPTA Dr Jasmin B. Gupta is a FinTech expert with nearly two decades of experience and an in-depth knowledge of digital banking and neobanking. As Co-founder and CEO of India’s first financial platform for women, Jasmin is spearheading LXME’s mission to become the country’s first neobank for women. A Triple Gold Medalist in MBA and a PhD in Financial Inclusion and Digitalisation, Jasmin has comprehensive expertise in consumer and digital banking as well as strategic fintech alliances. Prior to LXME, she was associated with Equitas Small Finance Bank as National Head of neobank, fintech accelerator, and alliances and digital business, and Kotak Mahindra Bank and HDFC Bank. Jasmin is a top-performing banker, who has received awards and accolades for her achievements at international conventions in Australia, Switzerland and Thailand. She is also the National President - Financial Inclusion Council, Women’s Indian Chamber of Commerce and Industry (WICCI). A linguist by choice, Jasmin is fluent in German, French and Japanese. She is also passionate about the fine arts and is an accomplished Bharatanatyam dancer. Jasmin has participated in international folk dance competitions in France and Spain. ASIM PARASHAR Mr. Asim currently serves as a Partner with the Financial Services technology advisory practice in PwC India with over 23 years of professional experience in Banking & Financial Services industry providing Strategy, Process and Technology Consulting services. He has always been passionate about financial services and has provided advisory services to multiple leading public and private sector banks, NBFCs, Fintechs, Small Finance Banks, broking firms, AMCs and Insurance firms. He has extensive experience in managing large scale technology strategy projects, business strategy, solution design and Implementation projects. He has led multiple large-scale projects across digital lending transformation, core banking transformation, product implementations and led program management. He graduated with an MBA from IIM Bangalore and has a Bachelor’s degree in Engineering from Birla Institute of Technology, Mesra. He has been a guest speaker across numerous national conferences held by Corporates, Government organizations and media firms viz. SIDBI Microfinance Congress, ETBFSI awards, PwC’s fintech Breakfast series etc. focussing on fintech and innovations across India’s financial services landscape. ARSHIA VERMA Arshia is a part of the BFSI team at Invest India and primarily looks at Banking and Fintech sectors as well as policy representations in the BFSI domain.Arshia is a corporate lawyer and has graduated from the National Law Institute University,Bhopal. Prior to joining Invest India, Arshia worked with the Banking and Finance team of one of India's largest law firms - Khaitan & Co LLP, New Delhi. During her stint at Khaitan, she garnered hands-on experience in debt financing, financial restructuring and bankruptcy matters. Arshia has authored a number of research papers, one of which received special mention by NIT Aayog during the global conference titled 'National Initiative towards Strengthening Arbitration & Enforcement in India'. SUGANDH SAXENA Sugandh Saxena - CEO of Fintech Association for Consumer Empowerment (FACE), a not-for-profit industry association, is committed to building a robust FinTech ecosystem in India and aims to drive ethical lending practices in the Indian FinTech sector. Sugandh comes with over two decades of experience across sectors like microfinance, social-economic development, technology and non-profit. Sugandh has diverse, well-rounded and hands-on experience in leading sector-building works through the industry body and the SRO. As the Head of Self-Regulation and Compliance at MFIN, an SRO for the microfinance sector, she played a pivotal role in shaping the microfinance industry by leading conversations with the regulators and industry players to formulate and enforce ethical guidelines for the industry. She has also held roles at ACTED, ITC, Self Employed Women's Association (SEWA) Bharat, and Bharat Electronics. Sugandh is an electronics engineering graduate from MNNIT, Allahabad and a postgraduate in Social Policy from the London School of Economics and Political Science (LSE). She is a recipient of the UK Government Commonwealth Scholarship and a recent fellow at the Fletcher School Leadership Program for Financial Inclusion at Tufts University. She has extensively educated herself in financial inclusion issues like policy, regulation, compliance, risk management, customer protection and financial education, including 'Strategic Leadership for Microfinance' at Harvard Business School. At FACE, Sugandh aims to drive the Association's efforts to engage in an active dialogue with the policymakers, regulators, digital lenders and other market participants to build an ethical, safe lending ecosystem for consumers. MATHAN PALLIKKARAKARAN An experienced Banking consultant with 6+ years of experience working in the financial industry across business functions from project implementation to product strategy and management consulting. With an experience of introducing multiple digital banking products in a new age Indian bank, I moved to Management Consulting to help improve business drivers for clients by managing the development and implementation of business solutions. Using my structured critical thinking skills to identify customers' unmet needs by using established methodologies is what I do best. Highly skilled at relationship management and navigating complex structures, having worked in different roles including customer management across geographies - GCC, UK, India and in cross functional agile teams. PRATIK DAUDKHANE Pratik is the Co-Founder of Decentro. He's passionate about companies that improve and enable financial services. He has previously worked on building many investment memos & excel models. He is also an Ex-Venture Capitalist from Guild Capital with 6+ years of experience in data analytics, finance, and investment banking. Before jumping into the startup and fintech space, he worked as an analyst at Tresvista, Hannam & Partners. NICK COOK Nick Cook is Head of Global Strategy & Partnerships at AIR. Based in London, he was previously the Director of the UK Financial Conduct Authority’s (FCA) Innovation Division, including the agency’s RegTech and TechSprint initiatives, its data and analytics strategy, machine learning endeavours, and the “Innovate” program (encompassing the Regulatory Sandbox, innovation and digital policy, and industry-facing direct support services). KETAN DOSHI SANDEEP KAKAR Sandeep comes with 25+ Years of Experience in Setting Up and Running SCF businesses in both Banks and Fintechs. His expertise lies in Commercial Banking, Structured Trade Finance, and Supply Chain Finance. He was instrumental in starting & scaling SCF in Axis Bank, RBS (erstwhile ABN AMRO), and Aditya Birla Finance. Sandeep is a post graduate in CFA Finance & Financial Management Services, NMIMS & has pursued a Leadership Program Management from INSEAD. SHRUTI KHARBANDA Shruti Kharbanda is a Women in Leadership, Woman in STEM and an Autonomous Operations Evangelist. She is an accomplished global leader with over two decades of experience, living in the UK, India & China, and working globally. She specializes in structuring & solving complex & ambiguous business challenges to drive scalable and sustainable revenue growth and operational excellence through technological advancements. RAHUL KOTHARI Rahul Kothari is the Chief Business Officer at Razorpay, India’s leading full-stack B2B fintech firm. With over 17 years of experience in both consultancy and technology in leading companies, Rahul comes with a strategic and analytical mind which is geared towards delivering growth and agility for companies. Prior to joining Razorpay, Rahul was the Chief Business Officer at PayU where he played a critical role in making their payments business profitable. He has also worked with leading global companies like WNS Global Services and The Boston Consulting Group, where he was instrumental in advising businesses across US, Europe, Australia and India on their business strategies. He has also had a successful tech career at Symantec where he was responsible for benchmarking and improving performance of their products. At Razorpay, Rahul Kothari and his team is working extensively to expand Razorpay’s vision with aspiration of building the financial backbone for small businesses both in India and abroad. In the past 3 years, he is also been managing sales, marketing operations, business engineering, global expansion along L&D and business training. Under his purview and the founders’ leadership, Razorpay grew its business by 4.5% to become profitable in 2022, while at the same time being a part of board of companies which Razorpay has acquired, they have witnessed orchestrating five acquisitions and Razorpay’s entry into the international market. As a Chief business officer, Rahul aspire Razorpay to become the largest fintech company and achieve a 4-5x growth in the coming 3 years. Rahul holds an MBA in Finance and Marketing from the Indian School of Business. He has also completed his B.Tech from IIT, Kanpur. When not at work, Rahul enjoys trekking and uses the time to meditate, introspect, read about physics spending quality time with family. NITIN SETHI Nitin brings a rich experience in product design and digital customer experience, which he has acquired over the last 21 years across leading internet and digital platform companies in India. He is currently leading the Digital Transformation for Adani Group as Chief Digital Officer - Consumer Business and has built and scaled IndiGo's 6EDigital, Quikr.com, Yatra.com, Naukri.com, etc. Indiatimes, Rediff, and Bharti Airtel. He leads multi-functional teams and establishes the best user experience practices and processes across organisations. He is an expert in crafting loveable Omnichannel experiences through usable and straightforward products based on their personas and buying behaviours. Nitin mentors many start- ups and has invested in a few of them. He also likes to speak on Design Thinking and Transformation on many public forums and authored several articles. Nitin won the 'Design-led Entrepreneurship Award’ at Tie 2017 and was awarded the ‘Karnataka Brand Leadership Award 2017.’ He was recognised as one of the top digital influencers and made it to the ‘Adobe Content 100 list’ for 2017 and the ‘Adobe Digi100 list’ for 2018 & 2019. He has been chosen as one of the Smartest Digital Marketing Leaders by World Digital Marketing Congress for the years 2019, 2020, and 2022 and recently made it to the DM Asia Top Digital Influencers list for 2019. Recently Nitin got the DMA Trailblazer award from DMA Asia also he has been awarded as "Experience Maker Executive of the Year" by Adobe in the yearly global award ceremony. In 2021 Nitin was awarded the "DMA Trailblazer CMO Award " by DM Asia. VINEET TYAGI Vineet, a BE from NSIT and MS in consultancy management from BITSPilani, has over 25+years of experience in the Technology and IT industry. Vineet is currently the Global CTO & Country Head for Biz2X,a turnkey global SaaS platform that enables financial institutions to provide a customized online lending experience for their small and midsize business customers.He is a strategic leader with a proven track record of building technology led businesses and delivering digital transformation for large businesses. He has led businesses right from formulating business vision & strategies to building and commercializing products that have generated maximum ROI for stakeholders, customers and employees. Prior to joining Biz2X, he has led technology for Impetus Inc as CTO; his prior stints at CSC, Keane have seen stellar contributions and business results. In his long standing career he has managed technology, product development and led the creation and implementation of new business lines as large as $50 million a year in the space of Big Data, AI/ML& Digital Transformation. His area of expertise includes Digital Transformation, Big Data, Cloud Computing, Open Source, Thought Leadership and Technical Pre Sales, Product Development, Product & R&D portfolio management, creating&nurturing and managing a culture of high performance. He is a regular featured speaker on Innovation, AI/ML, Big Data, Cloud Computing and emerging technologies in various industry conferences, partner webinars, NASSCOM and trade media. He also devotes part of his time towards the industry contributing to NASSCOM - SME Council& Regional Council as a Member. In his past time, he likes to dabble in his twin passions of farming and technology. He is also an avid reader and adventure sports enthusiast. AMEYA BHAGWAT DEEPAK TOMAR * Deepak Tomar is serial entrepreneur and an IT Engineer with over 20 years of extensive experience in IT Industry. He took exist from two previous companies, developed robust and scalable products and sold in US market. Built an online real estate transaction platform for auction.com, which further acquired by Ten-x and then costar ( multi billion company). Sold previous version of loyalty software paybypoint to stickystreet which further got acquired. Sold noctre to bidonhomes. ASHUTOSH MEHER Ashutosh Meher is a Technology Enthusiast, Java Programmer and Blockchain Evangelist. As part of the Developer Relations Team at R3 he works towards driving wider adoption of Corda by the developer community worldwide. He is a Java expert and has a background of implementing highly scalable enterprise applications for various clients. He is particularly interested in emerging technologies and has been working on Blockchain for the past 3 years, particularly on platforms like Corda, Fabric and Ethereum. With an experience of over 11 years in the industry, he has worked with companies like TCS and Sapient prior to joining at R3. VIVEK BELGAVI ASHEESH PANDEY DENNY THOMAS . NITESH RANJAN SAMBHAV JAIN CHIRANTH PATIL PATSIAN LOW JAY DEMBANI SWATI CHOWDHARY PROF. (DR.) N KRISHNA KUMAR Prof. (Dr). N Krishna Kumar, is a bank executive turned academic and Leadership Trainer. In his progressive banking career spanning nearly two decades he has worked with a Foreign Bank, two nationalised Banks and a Private Bank and headed Risk Management and Treasury functions of Banks. As an academic, he has held academic leadership positions for more than ten years, and held Directorship / Deanship in three different Universities/Institutions and has served as Chairman and member of Board of Studies and Academic Councils. He has also headed the Business incubator in a University and is a Prolific Speaker, Consultant, Researcher and a Mentor in the BFSI eco system. He is presently the Dean and Head of Academics at State Bank Institute of Leadership (SBIL), Kolkata, which is an integral part of SBI and is the Apex Training Institute of SBI, created with a Vision of contributing to BFSI Leadership in India and beyond. SUCHARITA MUKHERJEE Sucharita is passionate about access to financial services for all, she believes in “finance for freedom”. Sucharita is the co-founder and ceo of Kaleidofin, a fintech platform that provides intuitive and tailored financial solutions to underbanked customers. Prior to this, she co-founded the IFMR group and most recently was the group CEO of IFMR Holdings. She conceptualized and founded IFMR Capital, building capital markets access for financial inclusion and IFMR Investments, an alternatives fund management platform focused on informal sector finance. Sucharita was chosen as one of the “top 40 under forty” business leaders by Economic Times in 2016 and named amongst India’s top 20 fintech change makers in 2017. She received the IIM Ahmedabad, Young Alumni Achievers Award in 2017. She was also named amongst India’s top twenty fintech change makers in 2017. Prior to her move to India, Sucharita was an investment banker at Morgan Stanley and Deutsche Bank in London, working primarily on credit derivatives structuring and strategic structured finance opportunities. She graduated with an MBA from IIM Ahmedabad and has an undergraduate degree in economics from Lady Shri Ram College, Delhi University “ NAVAS EBIN Navas Ebin Muhammed is the Managing Director- APAC at Liquidity Group. Prior to his life at Liquidity, he was an Entrepreneur. He is an alumni of The University of Glasgow. KUNAL NANDWANI Kunal is a serial entrepreneur and serves as the co-founder and CEO of uTrade Solutions and Cove Identity. Kunal also cofounded Chandigarh Angels Network and is a GP in Singapore-based start-up fund called Super Morpheus. He has mentored 1000s of startups and has a Portfolio of 75+ startup investments Kunal also runs a sustainability focussed crowdsourced initiative called Earthr Foundation Prior to starting his own ventures, Kunal worked in investment banking with Lehman Brothers, Nomura and BNP Paribas in London. He has graduated from PEC (India) and MBA from ESSEC (Paris). Kunal has published books called "Squaring the Blockchain Circle" and “Sociopreneur: Zero to One” PRERNA SAXENA Prerna is the India Lead for UN-based Better Than Cash Alliance and also manages Global Learning initiatives to promote responsible and inclusive digitization of payments through advocacy and advisory services. She was seconded by the UN to the Ministry of Finance, Government of India to advise on matters related to G20 Global Partnership for Financial Inclusion, fintech and digital economy. She is currently engaged with various Ministries to promote digital solutions which are inclusive and user-centric, particularly in frontier regions like the Northeast states, Himalayan region and aspirational districts of India. Before this, Prerna has worked across Asia with International Finance Corporation (World Bank Group), ICICI Bank Limited and Export-Import Bank of India. Prerna is an Agriculture Sciences Graduate and did her Post Graduation from IRMA, Anand. She has obtained certifications in Leadership in Inclusive Finance from Harvard Business School and Fintech from Oxford University. SANDEEP TIWARI STEFAN MERZ VISHWESWARAN R SONY A SHOBHIT MOHAN NEEL TAMRAKAR A Social Entrepreneur with diverse experience including as a chairman of a Regional Development Bank and looking into Digital Payment Industry as the tool for Social transformation. SURESH SETHI Suresh Sethi has over three decades of diversified global experience in the financial services industry and works extensively in the financial inclusion space leveraging fintech and digital led innovation to make a difference. He is currently the Managing Director & CEO of Protean eGov Technologies Ltd. (formerly NSDL e-Governance Infrastructure Ltd.). In his last role, as the Founder CEO & MD of India Post Payments Bank, he established the largest inter-operable banking infrastructure for public good at scale in India. Prior to India Post Payments Bank, as the Managing Director & CEO of Vodafone M-Pesa, he was responsible for defining and developing the M-Pesa business strategy for India and shaping the digital and mobile payments space in the country. In his earlier assignments, he has worked with leading financial services companies such as Citigroup and YES Bank across multiple geographies covering India, Kenya, UK, Argentina and US. He has held senior CXO and Managing Director level positions at Regional & Global levels across business strategy, product development, sales & client management, and operations. Suresh has been a key industry spokesperson and closely engages with the government and regulatory institutions to aid policy formulation in a rapidly changing industry. For his contribution to the financial services sector, Suresh has been recognized by The Asian Banker and is part of The Asian Banker’s "List of Leading Practitioners". He was also recognized as the CEO of the Year (India Post Payments Bank) at the India Banking Summit & Awards, 2019. Suresh has a B.E. degree from Punjab Engineering College, Chandigarh and an MBA from Faculty of Management Studies, Delhi University, Delhi. KENNETH CHAN Kenneth Chan is President of Technology and Digital Trade. Prior to joinng ViewTrade, Ken was with Securities Industry Automation Corporation (“SIAC”), the technology hub and subsidiary of the New York Stock Exchange and the American Stock Exchange. Ken co-founded ViewTrade in 1999. He participated on the securities committee in the FIX Protocol Organization as an advisor on how to implement secured FIX messaging. Ken architected and implemented the global order routing network that powers fintech and cross-border investing for financial services firms throughout the world. He has a love of connecting with people and a profound appreciation for great customer service experience. Ken has an MBA from New York University with Emphasis in Telecommunication and Information System Management and a B.S. in Electrical Engineering from New Jersey Institute of Technology. Ken is also a Certified Information Systems Professional (CISSP). On his free time, Ken loves to bike long distance along the coastal lines. In addition, he is in training with high performance sports cars at the local tracks. Ken created his own venture capital fund, Ocean Fintech Ventures, that invests in commercial real estate and seeding startups. SOUVIK SENGUPTA Souvik Sengupta is the founder of Infra.Market, a real estate and construction materials marketplace. Souvik is a chartered accountant with over 7 years of experience in P&L Ownership and Management. Souvik is an alumni of IIM Bangalore and did his graduation from Sydenham College in Mumbai. BHAVIN PATEL SOHINI SEN Sohini Sen is a seasoned banker, with experience across the inclusive banking, rural, agriculture and MSME space. She has Nationally led Priority Sector Lending, Retail Distribution and held Product leadership roles across the asset and liabilities businesses. Digital transformation, process re- engineering and technology innovations, have been a cornerstone of her interventions. She currently heads Financial Inclusion and Priority Sector Lending in the 3rd largest private sector bank in the country, Axis Bank. KALYAN KUMAR PRABHU RANGARAJAN With over 16 years of IT professional experience, M2P’s co-founder and COO, Prabhu AKA Prabhu Rangarajan brings his operational expertise to M2P. Prabhu leads the Infrastructure, HR, Marketing and Design at M2P. A visionary who is breaking the workplace conventions, Prabhu is the man behind the employee-friendly HR practices at M2P. Prabhu worked for IT behemoths such as Cognizant, Verizon, and iGate before co-founding M2P. ANKITA D A leader's job is more than innovation—it is to see the world through a fundamentally different lens. Ankita is a self-made woman & CEO at Bullsmart with a mission to make it India’s number one financial services app, she has demonstrated a history of working in the Fintech, NBFC & Financial Service Industry for over 11 years. She loves to build connections & network for mutually productive collaborations. Her goal is to make the end users Trust our brand and bean app that end users can rely on without any doubt. She is a seeker and believer who strives to be the best in productive areas related to but not limited to Strong Business Development, Operations Management, Risk Mitigation, Financial Planning & Technology. Also, she encourages each and every person in the team to share their ideas, feedback, and concerns vital to the company, which helps her build trust and strong relationships with her employees. Bullsmart is driven by the vision to develop an investment platform with cutting-edge investment tools, machine learning, and smart financial & investment technologies provider in Asia & in demand by retail investors from the millennial circle. Coming soon!! SHIVASHISH CHATTERJEE Shiv is the Co-Founder of DMI Group where he is the driving force behind the group’s vision and strategy. DMI Finance, an NBFC which is the flagship of the group, is a leading player in consumer and SME lending through digital channels. It is a B2B platform that partners with demand aggregators and fintech’s to provide fast and efficient credit access to the entire spectrum of Bureau-thick, Bureau-thin and NTC. DMI aims to be the non-bank balance sheet and credit partner of choice for the rapidly growing ecosystem. The company aims to form symbiotic partnerships with technology-enabled players across the entire credit chain in order to provide the best customer experience. A 25-year veteran of international financial markets, Shiv brings a wealth of experience in Global Fixed-Income trading and analytics that complements and informs DMI’s activities. He spent the vast majority of his Wall Street days at Salomon Brothers, a storied fixed-income powerhouse that was eventually acquired by Citigroup Inc. Shiv became Co-Head of all securitized products trading in North America in 2004 before leaving in 2008 to start DMI. He graduated from Harvard University in 1995 with a Bachelor of Arts degree, Magna Cum Laude in Applied Mathematics. Shiv is very passionate about technology and is an active angel investor in technology start-ups. MOHIT GOEL Mohit Goel is Co-founder & CMO at Chqbook, a Gurugram & Bengaluru-based startup and India’s first neobank for small business owners. Chqbook aims to bridge the enormous gap across lending, insurance, and banking by simplifying financial services for the busy small business owners. Mohit is also CEO of Chqbook Insurance, an IRDAI licensed insurance broking business focused on simplifying and improving access to insurance for this massively underpenetrated segment of small business owners. With more than two decades of experience in Sales and Marketing, Mohit has worked in leadership roles across industries, including Insurance, Mutual Funds, and Telecom. He has worked with renowned brands, including Hutch (Vodafone), ICICI Prudential MF, Tata AIG General, and ING Vysya Life. GAURAV MALIK Gaurav is Vice President - International Launch & Expansion and is leading our expansion in the UK & Europe as his immediate priority. Gaurav was previously the Head of Sales Strategy & Operations, APAC at Stripe. Prior to Stripe he had served in a variety of operating and general management roles at Uber across their ride-sharing and food delivery businesses in India. He has extensive experience building teams, launching & scaling technology businesses and managing PnLs. He has a Bachelor's degree in Economics and an MBA from INSEAD Business School. NITIN MATHUR 1. Nitin Mathur (CEO & Founder) - He has worked as a Research Analyst for the past decade with Investment Banks like Jefferies, Société Générale, Edelweiss and Lehman Brothers. Prior to that, he handled different financial products and processes (like transaction banking, securitization and credit cards) for ICICI Bank. He has been regularly featured on TV and the print media. Nitin holds an MSc in Banking and International Finance from Cass Business School, UK. MORENO GONZÁLEZ OTHÓN MARTINO, LEANDRO VILAIN ANGELO DUARTE SANJIB JHA ANU TIWARI PARIJAT GARG DANIEL VAVERKA NAVIN CHANDANI NITYA SHARMA SATISH GIDUGU FRANCIS SOUZA Francis Souza is a techno-commercial professional in the electronic payments space for over 30 years ever since ATMs were launched in India. He has worked in 6 countries promoting electronic and self-service payments. Today, Francis specializes in Real-Time Payments and Central Bank Digital Currency. Francis strongly believes that Central Bank Digital Currencies paired with a Real-Time Payments infrastructure, would be the ideal runway towards launching a strong financial inclusion program in a country. DEEPAK JAIN Deepak Jain is Founder of FlexiLoans.com, one of the market leaders in Digital SME Lending. FlexiLoans is a technology-based online financing platform started with an endeavour to solve the problems that small businesses face in accessing quick, flexible and adequate funds for growing their businesses. FlexiLoans is a market leader in ecosystem-based digital lending for small businesses in India. Disbursed over 50,000 loans worth Rs. 2000 Crs to small businesses across 1,500+ cities without having a single branch! The company has raised over USD 100 Mn in Capital since inception from an excellent pool of Investors. Deepak’s key responsibilities at Flexiloans.com include Business Development, Strategic Alliances, Fund Raise – Equity & Debt and Corporate Strategy. Deepak has over 15 Years of experience across investment banking, management consulting and corporate finance & strategy roles. Raised over USD 10 Bn across 35 deals across sectors with over 10 deals in BFSI sector. Strong relationships with top Indian Corporates, Private Equity and Capital Markets investors. Deepak was chosen as 40 under 40 by Fortune India in 2022 : https://www.fortuneindia.com/40under40?year=2022 Deepak is a qualified Chartered Accountant and holds a Post Graduate Diploma in Management Studies from Indian School of Business, Hyderabad with a specialisation in Strategy and Finance. He is a commerce graduate from the University of Mumbai. Deepak is part of Executive Committee of Digital Lenders Association of India (DLAI) and is Co-Chair for DLAI Events committee 2019-21, Charter Member & part of Fintech SIG for Tie Mumbai and have led Finance Initiatives for Indian School of Business, Alumni Association in the past. Regular speaker at various conferences, Deepak have spoken on various events including events for Tie- Con Mumbai, Nasscom Fintech Day, ISB Conclaves, DLAI Annual Conference, Fintegrate, Conferences of leading Investment Banking firms like CLSA, EY, Kotak etc RAM KEWALRAMANI In a career spanning 19 years working in leadership positions across diverse roles, Ram comes from a background in corporate restructuring and investment banking. Prior to founding CredAble, Ram was the CEO of People Logistics, an employee transportation and supply chain logistics company, which he bought along with a private equity investor. Previously, Ram was an investment banker with Grant Thornton and Centrum Capital. A culmination of these experiences has enabled Ram to gain valuable insights and develop expertise in the areas of debt and equity markets. GAGANDEEP BAKSHI PRIYADARSHINI D. ALI SABERI An entrepreneur at heart, since 1996 Ali Saberi has been a think tank, focused on innovations, and on being a resultant solving critical business problems helping various electric, gas & water utilities across the Middle East, Europe, and North America. He aims at excellence in every regard, at home, and at work. The initial career of Ali goes back to the life of an Indian Naval Cadet from INS Shivaji. A serious injury during training led to his discharge on medical grounds and he moved to the USA to gain higher education. After graduation from Ohio University with a master’s degree in Industrial and System Engineering, he was picked up and groomed by PWC as a management consultant. The entrepreneurial instincts of Ali gave rise to his first start-up in the year 2000. And rest is the history, turning him into a serial entrepreneur with several self-funded and self-sustainable companies which have powerful impact in the world of business systems, communication, and digital payments. Based on his vast experience in recurring revenue businesses like the utility, public sector, etc., he has helped Tilli architect, and design a 360° customer communication (Nudge.PRO) and experience SaaS offering (Tilli.CX) that provides a personalized customer payment experience (Monay) with real-time integration capabilities to the most common ERP systems. He has been instrumental in solving steep compliance mandates of AML, KYC , and OFAC screening for Monay.com, Global Payment System and Wallet Systems, processing real-time payments that are fully integrated with ERP systems such as SAP, Oracle, Microsoft Dynamix, etc. providing invaluable end-to-end payment reconciliation across banks, payment gateways, and ERP systems. SUMIT GWALANI Sumit co-founded Fi after a nine year stint at Google, where he led some of its most successful products including Google Pay and Chrome. Sumit handles all things product at Fi and his expertise lies in digital payments, lending, security and infrastructure. NED PHILLIPS Former Managing Director and now an Entrepreneur, Ned Phillips is the Founder and Chief Executive Officer of Bambu. Ned was one of the first online brokers and was promoted to Managing Director at E*TRADE. He was also part of the stock exchange transformation, where he developed two pan-Asian exchanges, one of which is in conjunction with SCX and Chi-X. Ned had the opportunity to experience the first dot-com boom with one of the original FinTech companies and become appointed as a consultant to 8 Securities when they launched the first Robo-advisor in Asia. NIRAV CHOKSI Mr. Nirav Choksi is the Co-founder and CEO of CredAble, India’s largest working capital tech platform, with a mission of creating working capital infrastructure for the world. CredAble, leads the working capital space enabling more than USD 3 billion annually in working capital and witnessing over 500% year-on-year growth. As an umbrella platform for all working capital solutions, CredAble caters to the working capital requirements of India Inc which includes large, mid, emerging corporates, MSMEs, and financial institutions. CredAble’s platform hosts over 75 corporate customers, over 1,50,000 small business borrowers, and over 30 large financial institutions and banks. By leveraging their technology, big data analytics, trade finance expertise and partnerships with capital providers, CredAble is able to provide comprehensive working capital financing solutions to Corporate India. CredAble has been recently recognized as Fintech Start-Up of the Year by The Asset Triple A Digital Awards 2022 followed by the best technology use case award by BW Disrupt, 2022. Nirav has been an entrepreneur for over 28 years and has incubated and scaled businesses raised debt and equity financing, and built multi-disciplinary global teams in the areas of technology, private equity and international commodities. Prior to credible, Nirav co-founded and led Equentia Natural Resources Pte Ltd., a multi-commodity trading and structured finance company with offices in Singapore, Jakarta, Dubai, and Mumbai. ENR is amongst the top 5 importers of Indonesian Thermal Coal for the private sector in India with revenues in excess of $500 Million a year and trading volumes of over 10 million MT. ENR also has a significant structured trade finance and debt arbitrage operation. Prior to that Nirav has founded several companies in the internet and technology space and has had 3 successful exits. He is an active early-stage investor in tech-enabled consumer-led ventures and has invested in over 25 opportunities. Nirav studied computer science and economics at the University of Michigan. STEFFANIE YUEN Steffanie Yuen is the Managing Director and Head of Hong Kong at Endowus, a leading digital wealth platform in Asia. Before joining Endowus, Steffanie was Managing Director at Value Partners and was responsible for leading the Group's Direct Distribution, Marketing, Communications and Investor Relations functions, as well as other key strategic growth initiatives. Prior to Value Partners, she was the Business Development and Strategic Partnerships Director at Alibaba's fintech affiliate Ant Group, where she was responsible for driving strategic collaborations and partnerships with international financial institutions and Ant's overseas e-wallet partners, which together serves over 1.2 billion annual active users globally. VIGNESH KRISHNAKUMAR AVINASH GODKHINDI Avinash Godkhindi is an International FinTech &Payments Leader with over a decade and half years of experience in 12 countries across 5 continents. He has worked in leadership roles in Digital Payments, FinTech and Cash Management businesses in Product, Sales, Marketing, Strategy, Technology and Operations roles with banks like Citibank, Barclays & ING Bank and FinTech companies like Zaggle, Misys & NIIT Technologies. Avinash has been the CEO of Zaggle for the past 8 years and focuses on Business Development. Growth and new opportunities, Banking and Network partnerships, Go to Market Strategy and Operations. Prior to Zaggle, Avinash launched and ran the Citibank PremierMiles credit card in India as the Product Head for PremierMiles. He has done his Electrical & Electronics Engineering from Bangalore University and MBA from the University of Chicago Booth School of Business. His interests include a variety of sports, reading, music, current affairs, travelling, running and spending time with family & friends. DEWANG NERALLA Mr. Neralla is the CEO of NTT DATA Payment Services Limited (erstwhile Atom Technologies Limited), one of India’s leading payments service providers focused on creating an end-to-end payments ecosystem over the Internet, IVR, Mobile, and Point-of-Sale. Dewang, along with NTT DATA Payment Services’ technology team, is constantly focused on innovations through the creation of distinctive payment solutions and services that are modern, secure, and consumer centric. After being in the FinTech vertical for more than two decades and having tried his hands in building successful exchanges, he ventured into developing the payment landscape in the country. Being a futurist, he believed that digital payments would be the next big thing and was already thinking ahead of that time. It is his passion for excellence that has led to NTT DATA Payment Services being certified with ISO 9001:2008 for its operations and technology. He is highly enthusiastic about electronic payments and their power to bring about huge social transformation in a growing economy like India and how to reduce the overall costs associated. He is actively involved in the payments industry being a co-chair of the Merchant Aggregators Committee in Payment Council of India (PCI) as well as a member of the Executive Council of PCI. Today, NTT DATA Payment Services has emerged as one of the largest payment processing companies in India, processing over 100 million transactions annually, with a transaction value of over INR 800 billion. Dewang holds a Bachelor of Engineering Degree in Computer Science and has been a featured speaker at several national and international academic, business, and technology forums as well as at industry events. CAMILO TÉLLEZ Camilo is the Deputy Managing Director at the Better Than Cash Alliance, a UN-based partnership of over 60 governments, companies and international organizations that accelerates the global transition from cash to digital payments in order to drive inclusive growth and reduce poverty. At the Better Than Cash Alliance, he oversees global innovation and thought leadership supporting members in Asia and Latin America their efforts to build digital economies. Prior to joining the Alliance, Camilo held positions in the area of digital financial services for over a decade at the Consultative Group to Assist the Poor (CGAP); the World Bank; GSMA in London; the UN Economic Commission for Asia and the Pacific in Bangkok, and at Microsoft Labs in Bangalore. Camilo holds degrees from the Johns Hopkins University School of Advanced International Studies (SAIS), the London School of Economics and Political Science, and the Harvard Kennedy School of Government. SARBVIR SINGH Sarbvir Singh heads Policybazaar.com, India’s leading insurtech company. He is responsible for the overall business performance of PolicyBazaar. Prior to joining Policybazaar, he was a venture capitalist and also served in senior leadership positions with digital and media companies. He was most recently the Managing Partner of WaterBridge Ventures, a leading early-stage venture fund. Over his career, Sarbvir has led venture investments in industry-leading companies like BookMyShow, Yatra, DoubtNut, ZipLoan and Webchutney. He served as the founding Managing Director of Capital18, Network18’s venture arm and as Regional Advisor to JP Morgan PEG for their investments in India. He also held leadership positions with Citigroup in New York and Emerson Electric in Hong Kong. Sarbvir is a graduate of IIT Delhi and holds an MBA from IIM Ahmedabad. ARIJIT CHAKRABORTY Arijit Chakraborty is the Managing Director, APAC for Cover Genius, the insurtech for embedded insurance that protects the global customers of the world’s largest digital companies, including Booking Holdings and Intuit. XCover is also available at Amazon, eBay, and Shopee. In his role, Arijit is responsible for leading regional teams in Singapore, India, Malaysia, Indonesia, Thailand, Vietnam, Philippines, South Korea, Japan and ANZ and continuing to expand the company’s insurance and commercial partnerships within the region. Prior to Cover Genius, Arijit was in senior management for leading global insurers including Manulife, and Zurich. In recent years, he has been building insurtech and fintech businesses in the region and has expertise across strategy, partnerships, products, legal and governance. He is also actively involved in the start-up ecosystem. SAHIL SHAH Sahil is a senior security consultant, with over a decade of experience in Cybersecurity. In his decade of experience, he has been a regular advisor to several fortune 500 companies and government institutions on the matter of cybersecurity and digital intelligence. He has also trained over 1000 industry professionals and published several research papers in the cybersecurity arena. Currently Sahil and his team at TM Systems are one the leading consultants in Netherlands in the space of Secure development & Cybersecurity in Horticulture. VIVEK TIWARI Acquiring prolific experience of nearly two decades in the microfinance sector to promote financial inclusion, social entrepreneurship, and impact investing, Mr. Vivek Tiwari is the MD, CIO & CEO of SATYA MicroCapital Ltd - one of the leading NBFC-MFIs across the nation. He is also the Vice Chairperson of MFIN (Microfinance Institutions Network) - an association for the microfinance sector in India. He is recently recognised as Promising Entrepreneurs of India 2021 on 28th September 2021 by The Economic Times. MAHESH GOVIND . TAKESHI KITO ANUJ BHANSALI VISHRUT B Vishrut was previously an investor at Muse Capital, in Los Angeles, after which he worked in fintech in business and product roles at Apollo Finvest and Verak (formerly BimaPe). He is currently the co-founder of 77 Capital, where he focuses on early-stage investments focused on financial services. MARTIN BARRIOS CUELLAR With over 20 years of experience in the financial industry, Barrios leads the Bank of America Global Transactional Services team in Mexico, responsible for Financial Institutions, Global Multinationals, Large Local Corporates, and Commercial Banking clients. Well known and recognized as a subject matter expert in Connectivity, Payment Systems, and Advisor for sophisticated Treasuries managing In-House-Bank, Shared Service Centers and Payment Factories across Latin America. Martin holds an MBA at IPADE where he is a frequent guest speaker as well as in Eurofinance and other Treasury/Financial forums, trainings and conferences. S ANAND S Anand is the Founder & Chief Executive Officer of PaySprint, a Fintech, venture focused on Next Gen API Banking Solutions, offering a Unified Open API Platform. PaySprint works closely with various banks to bring Digital banking solutions to the end consumer. Banks will continue to be the custodian of the customer and of the various banking products and services, while PaySprint will create larger consumer adoption, interface, and delight. 1. Anand is a senior Techno functional professional with over 2 decades of diverse career chronicle working with cross-functional teams to drive unprecedented profitability while focusing on operational excellence, streamlining business processes, and cost. He has extensive leadership and management experience in setting up operations and running a business in high growth as well as transformational phases. Build teams with capabilities to drive results in a fast-paced and continually changing environment with a deep understanding of the global finance & technology market and enterprises’ growing digital needs. He has been an integral part of the top management and has a complete understanding of critical business drivers and the skills to use business intelligence for creating meaningful interactions with clients. Prior to PaySprint, Anand was the Executive Vice President and Business Head, at Eko India Financial Services Private Ltd., which is a Fintech company and he has been instrumental in the turnaround of Eko and growth business from 200 crores to 2200 crores per month with positive EBITDA in a short span of 36 months. He not only transformed their business unit into a top-performer but he also delivered multiple-digit growth of CAGR (Compound Annual Growth Rate) and Market Share YOY by expanding to 1000 towns & cities with 2.5 lacs merchants and 1000 API Partners (SMB’s & Entrepreneurs). Other leadership positions also include Chief Operating Officer and Director of Sterlite Networks Limited which grew to contribute a rollout of 5 million homes FTTH (Fibre to Home) under his leadership. Anand has also held the position of AVP, Regional Operations Head at Tata Teleservices where he brought significant growth to the business, resulting in it being recognized as a major player in the market. Anand holds a Masters in Management Studies Marketing degree from the University of Mumbai, India. He is an avid traveller and loves trekking. In his free time, he also practices yoga and loves to read books on Management, History, and Spirituality. PRANNAY BATRA Prannay has been building and scaling PhonePe's completely digital General Insurance Business for the last 3 years in India. Before that, Prannay was with the Allianz group for almost a decade in various senior distribution roles across multiple countries in South East Asia including Singapore and Thailand. ARUN TIKOO Arun Tikoo is the Senior Vice President of Business and Strategy at Cashfree Payments, a leading payments and API banking solutions company. At Cashfree, he drives strategic expansion across products, merchants, partnerships, and alliances. He is responsible for strengthening the existing distribution network across industries and oversees compliance, pricing, and operational setups of the new product launches. He also develops and leads the execution of strategic plans to grow Cashfree’s footprint in international markets and partnerships with banks. Arun brings over 20 years of experience in Digital Banking, Payments, Trade Forex, and Sales Execution across Wholesale Banking, Retail Banking and Startups. Prior to Cashfree Payments, he was associated with Yes Bank, where he was instrumental in bringing innovation to the business line, leveraging the retail distribution network, and growing digital products in retail, startups, and SME segments. He also drove the first ever API integration across the industry as well as strategic partnerships with accelerator programs such as T-hub, Springboard, and multiple state government setups. Previously, Arun has worked with organizations like SBI, Yes Bank, ICICI Bank and HDFC Bank in various capacities. ATUL SHINGHAL Atul started Scripbox as he felt strongly that India deserved better than what was on offer for the common investor. Having spent over 15 years in building businesses in South Africa, UK and India, Atul brings expertise and experience in taking companies from 10 to 100 and beyond. He has held leadership positions at Coats Viyella, Standard Chartered, Old Mutual and Capital One in his corporate life. After 2 stints in building new businesses as an Intrapreneur, he started his own entrepreneurship journey with Probe Information Services - now the leading provider on Corporate Information in India. At Scripbox, Atul is in charge of growth and his mission is to help a million families achieve financial freedom, by making Scripbox the preferred partner in their wealth creation journey. He is passionate about Entrepreneurship and apart from founding and scaling two successful start-ups, Scripbox and Probe Information Services (both well-funded by leading VCs in the world), he also actively mentors a number of start-ups, including being involved with NSRCEL. He is also a regular speaker at Fintech and Entrepreneurship forums. Atul is an alumnus of Mayo College, IIT Madras and IIM Bangalore. DANIEL ADERETI Daniel Adereti is a graduate of the Yale School of Management, USA and Lagos Business School, Nigeria. He has six (6) years of private investment management experience and has structured venture capital investment deals of over $25M. Within Pezesha Africa, he is in charge of driving the corporate plan operations and financial risk management. PRASANNA LOHAR I have Over 22+ Years of Industry Experience in Engineering and Development, Product Development, Organization Strategy & Governance, Risk Audit Compliance Management, Business Process Management, Enterprise Architecture, Mobile Apps, Digital Transformation, Fintech, E-Commerce, Payments, Platform & Product Innovation, Data Science, Automation, AR & VR, Artificial Intelligence & Machine Learning, Open Stack, Cloud Computing, Analytics, Big Data, IOT, Blockchain, UI-UX & Business Development. As part of my Professional career into worked Globally for Bank, Fintech, Micro-Finance, Engineering, and Multi-National companies for Digital & Architecture Transformation, I am closely associated with New & latest technology Strategy, Assimilation, Experimentation, Innovative Customer Servicing & Engagement, Robust Architecture Implementation, Fintech & Startup Alignment, Open Innovation practices, Collaboration with other Banks on various initiatives. I have done 100+ Deliveries on Digital Front for My DCB bank into Innovation, Digital Channels e.g. ATM, Internet banking, Mobile banking, SMS Banking, Social Command Center, Enterprise Innovation for Operational excellence, ATMChain, Smartstart and Blockchain Initiatives, Zippi – Straight thru A/c Open with API Banking, DCB Remit, Video KYC. I am Part of various deliveries like India’s first Aadhaar & Biometric enabled ATM, Paperless A/c Opening India’s first Omni-Channel Framework for Bank, KYC, Blockchain, Mobile banking & Mobile Apps, Virtual Reality based App, Open Banking & Internet Banking Initiative, Unified Payment Interface (UPI), Bharat Bill Payment, API Management, Blockchain, Switch & Cards relevant initiatives. HILAL ALI AL-KUWARI Hilal Ali Al-Kuwari is an Incubation specialist at Qatar Development Bank. In his current role he is responsible for the strategy and day to day running of the Qatar Fintech Hub (QFTH). In addition to this he also plays an active role on advising other sectors across the incubation. Hilal has previously worked in the energy sector as an investment analyst and in banking as a Treasury dealer. Hilal holds an MSc in International Business Management and an MBA. SUSHANT SHETTY APARAJIT BHANDARKAR Early in life, I understood the value of frugality. My father ran a small business and was having trouble making ends meet. Growing up in Mumbai and coming from a large family of chartered accountants, I made the decision to enrol in R.A. Podar College. I was focused on finishing my CA and going into a Big 4 because college was tough. I completed both of those by joining KPMG and passing Intermediate and Finals with a Merit Rank. While working at KPMG, I had the opportunity to join Yes Bank, a newly established bank, where I was one of the first 50 employees and heavily involved in developing the systems and procedures for credit, investing, and financing. This was a truly excellent learning opportunity. I made the decision to take a sabbatical from my job in 2007 to pursue my MBA at NYU Stern, where I had the opportunity to learn finance from the best professors in the field and make friends from all over the world. Both chances and disadvantages came with graduating in 2009, when the crisis was at its worst. It was enlightening for me to re-join Yes Bank to develop a strategy for the investor relations team. This allowed me the chance to obtain a deep understanding of the capital markets and witness the bank’s growth from less than a USD B market value to over USD 8 B over a 5-year period. I have had the chance to manage 4 IPOs for our clients and raise over USD 700 million for Yes Bank. I made the audacious decision to transition to the fintech industry in 2015, heading strategy at Jio Payments Bank before switching to the investments team at Dice Fintech. PARUL SETH KHANNA Parul is co-founder and director of pinBox Solutions. She also heads the micro pension Foundation, an India-based non-profit micro-pension R&D hub. Over the years, she has led the development and implementation of digital outreach and distribution platforms for micro-pension and micro-insurance targeting low-income women in developing countries. Parul is working extensively in South Asia and Africa in assisting governments and pension regulators with designing retirement literacy tools and strategies for expanding voluntary pension coverage among low-income, non-salaried informal sector workers. She has recently co-edited "Saving the Next Billion from Old Age Poverty: Global Lessons for Local Action" with William Price and Gautam Bhardwaj. In a previous life, Parul was a journalist in the electronic media and has worked at BBC World Trust, CNBC and NDTV. ABHIJEET GAUR Abhijeet Gaur is the Product Lead at Bureau. As part of the founding team, Abhijeet has been a part of the 0 to 1 journey of Bureau, building and scaling key products around reducing fraud & friction. Prior to this, Abhijeet was associated with Razorpay for three years and has worked extensively on several product lines across core payment gateway, checkout and the fraud & risk platform. A developer-turned-PM, Abhijeet has experience in scaling products to massive scale and leading idea-to-GTM products, especially in fintech, E-Commerce and payments. DEVENDER MAGGO ANUP SINGH KANNAN RASAPPAN Open Banking expert who has worked & advised leading financial institutions in the UK - RBS, HSBC, WorldPay, Lloyds Banking Group. An active participant at various working groups on Open Banking and speaker at various conferences. Currently serving as Advisor to Berlin Group's NextGenPSD2 standards - EU's most widely used API specification. CEO & Founder of Banfico, who is helping banks to get Open Banking compliant & promoting innovation by providing consulting & implementation services. A strong advocate of Open Standards and an expert in identity & security. Come from a highly technical background with 20 years of experience & is a hands-on solution architect. Graduate in Applied Mathematics ANIL KURIL Shri Anil Kuril is working as Chief Technology Officer at Union Bank of India, the 4th largest Public Sector Bank in the country. Before joining Union Bank, he worked with Punjab National Bank and Allahabad Bank. Shri Anil Kuril has rich experience of more than 2 decades in Information and Digital technology which include Core IT, Assurance, Cyber Security, etc. He has also worked in Banking Domain as Field General Manager, heading the Banking Operation in the state of Jharkhand and Bihar. Shri Kuril has been a member of various industry-level working groups/committees. Most recently he has been part of IBA working group on public cloud adoption in public sector Banks. Shri Anil Kuril is having BE (Computer Engineering) degree along with various Industry level certifications such as CISM, ITIL Foundation, Project Management, Certified Information System Banker, Prevention of Cyber Crime and Fraud Management, etc. He is also a Certified Associate of the Indian Institute of Bankers. Recently, Shri Kuril headed the Banks Metaverse initiative, which was Industry first in India. NEERAJ DHAWAN Neeraj Dhawan is Country Manager, Experian India. Experian is the world’s leading global information services company. Through providing information and analytical services, Experian helps organisations and consumers manage the risk and reward of commercial and financial decisions. Neeraj brings with him over 28 years of senior leadership experience in technology, designing and executing business strategies, risk management and debt management with multinationals and large corporations. He is highly experienced in taking on transformation projects, leading teams to create next generation end-to-end digitalised processes in credit underwriting and is passionate about digitisation and Business Process Re-engineering. In his current role, Neeraj will introduce strategies to accelerate Experian India’s growth, enabling the team to achieve organisational goals and excellence in operations. He will further enhance Experian’s anchor products in India by leveraging Experian’s global strengths, and introducing innovative solutions across Decision Analytics, Credit Services, Data Quality, and Consumer Services. Prior to Experian, Neeraj was Chief Credit Officer at CSB Bank, focusing on Retail, SME, and analytics. His past stints include working with renowned companies such as GE Capital, ABN Amro Bank, HDFC Bank, ICICI Bank and Yes Bank among others. He continues to play an advisory role with various advisory boards and start-ups. He has been part of the Yes Fintech, Business Accelerator Program for Fintech Startups as a Mentor and incubated the start-ups associated with banking products and services. He was part of Experian India’s Strategic Advisory Board since March 2016 and has acted as an advisor to Creditas Solution Private Ltd (Fintech) since March 2018, and Acuradyne Medical Systems Pvt Ltd - MedTech (Part of SINE, IIT Bombay) since June 2019. Neeraj holds an ICWAI degree from the Institute of Cost Accountants of India, ACA degree from the Institute of Chartered Accountants of India and a degree in CS from The Institute of Company Secretaries of India. ARTURO GONZALEZ MAC DOWELL Arturo's career has been marked by his role in the introduction of high-tech products and services to the financial sector. His pioneering work in financial technology has led to innovative services like electronic payments, mobile banking and electronic invoicing. Arturo launched Eurobits, who pioneered services now classified as Account Information Service in Europe and LATAM since 2004. Arturo went through an MBO and ultimately sold the company to Tink during 2020, which was then acquired by Visa in 2021. Arturo was a founding member of the Future of European Fintech which campaigned for fair access under PSD2. Arturo is also a founding member and Vice-Chairman of the European Third Party Providers Association and represents the ETPPA at the ERPB and the EPC. Arturo is the Chairman of AEFI, the Spanish Fintech and Insurtech Association. SOUPARNO BAGCHI Souparno Bagchi is the COO at Balancehero India. Through his extensive and global experience in Banking and Financial Services, he will lead the operations of True Balance bringing differentiated customer value and ensuring sustainable growth. He works directly with the founder on the high performance of incumbent businesses and on expanding the offerings and customer base. Souparno is an alumnus of the Indian School of Business (ISB), Hyderabad. In his career spanning over two decades, Souparno has played various leadership and multi-functional roles at reputed companies like Goldman Sachs, Deloitte, and Tata Consultancy Services. Souparno is passionate about entrepreneurship and from his vantage point of being a business leader and a technologist, deeply appreciates the convergence of ‘Doing good and doing well...’, an opportunity further emboldened by the Fintech revolution. His areas of interest and advocacy include social impact, diversity & inclusion, education & research, and the nuances of operating in a millennial & digital world. RAJESH SREENIVASAN Rajesh heads the Technology, Media & Telecommunications Practice at Rajah & Tann Singapore, and also the co-founder & Director of Rajah & Tann Technologies and Rajah & Tann Cybersecurity. He has been advising clients on matters relating to technology, cybersecurity, data protection, telecommunications, electronic commerce, distributed ledger technology implementations, cloud computing, artificial intelligence, blockchain, digital forensics and social media for over twenty years. As Rajah & Tann Asia’s Technology Advisor, Rajesh played a major role in moving the network forward in digitalisation, and as a result, garnering the accolade of being the winner of “Law Firm Strategy” at the Financial Times (FT) Innovative Lawyers Asia-Pacific Awards 2020. VIVEKDEEP GUPTA Vivek is the APAC Head for Technology Business Development at R3, an Enterprise Software company building Corda, the blockchain for business. In this role, he is responsible for driving the business for R3 and promoting Corda and blockchain adoption in the APAC region while building a strong capability centre for R3 in India. Vivek’s areas of interest encompass CBDCs, Digital Assets and Trade Finance. Vivek is an active member of the global fintech community focused on bringing the latest innovations to India. Prior to R3, Vivek served in multiple roles within the private and public sector, working with organizations like Tata Administrative Services (TAS), National Skill Development Council (NSDC) and Andhra Pradesh Economic Development Board. He holds an MBA from Harvard Business School and a Bachelor’s in Electrical Engineering. DR. SEBASTIAN SCHAEFER GUHAPRASATH RAJAGOPAL Guhaprasath Rajagopal is a Managing Director and Head of Payments business in India for J.P. Morgan based in Mumbai. In this role, Guhaprasath is responsible for delivering market-leading solutions to clients by leveraging J.P. Morgan’s unique global strengths coupled with local capabilities across Treasury Services, Trade Finance and Merchant Services. Guhaprasath joined J.P.Morgan in 2010 and brings ~21 years of experience across the Transaction banking spectrum. Throughout his career, Guhaprasath has held various leadership roles in Product Management, Client origination, Service Management and Technology. Prior to joining J.P, Morgan, Guhaprasath was part of the Transaction Banking division of Citibank India and with IBM India prior to that. Guhaprasath holds a master in Management from IIM Bangalore and a bachelor's in Engineering from Birla Institute of Technology and Science, Pilani (India). AADITYA RATHOD Aaditya is a Fintech professional with 20+ years of experience in the Banking and Payments industry, currently a Co Founder and Chief Commercial Officer of The Canny Technology Company Ltd (Canny), B2B global payments marketplace that helps any Bank or Fintech, to launch cross border payments in any part of the world. He brings a strong experience on both the business and regulatory side, and secured licenses in multiple jurisdictions. He has been instrumental in driving retail and SME growth for two large Indian Banks (ICICI Bank and Axis Bank) in the UK including setting up a retail business from scratch with complete digital offerings around Savings, Cross-border remittances and Lending businesses. He was also head of Unimoni/UAE Exchange (FCA- CF1 role) for UK & Europe to drive digital transformation and successfully delivered the “Payments-as-a-Service (PaaS)” model. He earned an MBA from the Indian Institute of Foreign Trade, India and Fintech Program Certification from Said Business School, Oxford. RISHI PATEL Rishi is an innovative and versatile leader with twenty years of experience in financial services, financial markets, and financial technology. Prior to founding Interpolian Money PLC, Rishi was part of the founding team for an online start-up foreign exchange business that floated on AIM, the London Stock Exchange’s international market for growth companies. His previous career also included positions at the investment bank Credit Suisse. Rishi has also represented the fintech sector and the UK Government on a number of trade missions. He has hosted meetings with senior ministers including the former UK Prime Minister. Recently, Rishi was invited to join the advisory board of The UK Association of Foreign Exchange and Payment Companies. As an experienced financial services executive, Rishi is passionate about simplifying financial products and services. This wealth of operational and financial experience gained across several industry sectors means that Rishi is well placed to drive and support the expansion strategy of Interpolitan Money. Rishi holds a BSc (Hons) Actuarial Science degree from the Bayes Business School, London. MANISH KUMAR AGRAWAL Manish K Agrawal- Executive Vice President & Head - Credit Intelligence & Control is responsible for controlling & minimizing fraud losses across all retail assets products, Agri lending and payment business. Manish is a Chartered Accountant by qualification and has 22 years of total experience out of which last 19 have been with HDFC Bank, He has managed various assets products starting with line underwriting role for auto loan financing and then moved to a Policy role in 2006. Till 2016, as a Product Risk Head his portfolio and responsibility were to manage a profitable portfolio for auto, Two Wheeler, Personal Loan, Inventory Finance and Consumer Durable Loans books before joining Credit Intelligence & Control function in November 2016. Under his tenure the retail books grew many folds and the assets under management crossed 15 Billion US $. Manish has high analytical capabilities and eye for detailing and numbers; He is managing a team across various verticals within Credit Intelligence function and leads the team by example. He is also known for solution oriented approach and quick decision making. His ability to comprehend risk in transactions, process flows coupled with macro understanding has helped the bank to maintain the lowest fraud rate in India. Manish is an avid cricket follower and traveler and a passionate speaker. Manish is on the risk advisory board of Mastercard South Asia and various internal committees. He is also the official spokesperson of the bank for creating awareness on cyber security. RAJAT SHARMA Rajat Sharma, Chief Revenue Officer of InsureMO, eBaoTech. Rajat is based in Singapore and is responsible for driving the global InsureMO platform business. Prior to joining eBaoTech, Rajat has been in various roles like Product Management, M&A, Strategy and Sales for HCL Technologies managing regional portfolios and has been with various early stage start-ups building products and driving growth. Rajat holds a MBA degree from the Illinois Institute of Technology, Chicago and Great Lakes Institute of Management, India and a Bachelor of Technology in Computer Science Engineering from the IP University, India. ASHESH JANI SAMEER SHETTY JOHN MEYERS John Meyers: "I became an entrepreneur at the young age in the tech industry. Some may call me a real "techy" because I have always had a big interest in the digital world and the newest technology. I was immediately triggered to learn as much as I could and create new, and as they now call it Disruptive Innovations. It has lead me to create digital solutions for several Dutch based companies. I am now the proud co-founder of X-Systems and X-Enterprise which specializes in developing Secure Mobile Security Solutions and Preventative Security Technologies. With the visionary mindset I have always aimed to look outside the box and think of better and more creative solutions to solve a problem. This quality has enabled me to find unique and effective solutions for the digital industry. And with many years of experience as a entrepreneur in the digital world I can say I understand the field like no one else. I am a hard worker and dedicated to becoming the leading company in its field." RAMESH NARASIMHAN As CEO of Worldline India, Ramesh is responsible for leading the business strategy and driving revenue growth of the company. He has over 3 decades of experience in various roles in the Information Technology industry, having worked with various companies like HCL and IBM - where he performed diverse leadership roles. ADRIAN ANG Adrian is a Partner in the Financial Services Department and is Co-Head of both the Firm’s FinTech Practice as well as its ESG & Public Policy Practice. Adrian’s practice encompasses advising clients on regulatory matters affecting the financial services industry including, licensing matters, the setting up of payment services, the distribution of financial products, outsourcing arrangements and conduct of business requirements. Adrian has been active in the FinTech sphere, being involved in contributing to policy formation and the enactment of FinTech related legislation. Adrian has advised on a variety of FinTech models including payment systems, equity and debt crowdfunding platforms, P2P lending platforms, online lending intermediary based platforms, online money transfer systems, robo-advisors, virtual stored value facility providers, initial coin offering structures, security token exchanges, digital payment token exchanges and the sale of non-fungible tokens (NFTs). He was also appointed as an EXCO member of the Singapore FinTech Association (SFA), and is the only lawyer in private practice on the SFA EXCO. In the sphere of public policy, Adrian has assisted with the consideration and roll-out of new policies affecting the financial industry and is frequently involved in the coordination and provision of industry views on policy and regulatory matters in relation to both private and public consultations. Adrian graduated from the University of Oxford with a B.A. (Hons) degree in 2002 and a M.A. in 2006. He was a College Exhibitioner and a winner of multiple College Book Prizes. In 2003, Adrian graduated top of his cohort for the Graduate Diploma in Singapore Law course administered by the National University of Singapore and was called to the Singapore Bar in June 2004. He is also a non- practising solicitor of England and Wales, having been admitted to the Roll of Solicitors of England and Wales in March 2006. Adrian is recommended as a key practitioner in several leading publications. DHYANESH BHATT Dhyanesh is the Co-Founder & Group CEO at Gramcover, a rural focussed insuretech with a motto of “De-Risking Rural India”. GramCover engages with various insurers, reinsurers and relevant rural organizations as well as its Point of Sale partners to co-create and distribute insurance products that are easy to understand, easy to service and appropriately priced for the rural population. With over decade and half of experience across corporate, rural and government insurance programmes, Dhyanesh has worked with multiple stakeholders including the central and various state governments, corporates, financial institutions and technology providers to create tech enabled, scalable and sustainable insurance solutions across sectors. Prior to Gramcover, Dhyanesh was associated with ICICI Lombard. He is also the alumnus of Indian Institute of Management, Ahmedabad. Beyond work, Dhyanesh is passionate about marking a difference within the rural ecosystem, healthcare and issues of climate change. DR. EMIL RUBAN J Emil holds a doctorate degree in management and an MBA in marketing. Currently, he has been associated with Ria as MD & Country Manager for India since May 2016. Emil has 22 years of experience in varied industries like FMCG, Consumer Electronics & Financial Services. and the last 17 years in Cross Border Remittances. He held various senior positions in Western Union & Xpress Money (UAE Exchange) prior to joining Ria. Emil is a veteran in the cross-border remittances industry in India. He was instrumental in launching India’s first mobile wallet services for cross-border remittances with the association through PayTM. He also has in-depth understanding and hands-on experience in Prepaid cards based cross border remittances, Bank account-based money transfers etc. He has a strong understanding of AML, Compliance, RBI guidelines and regulatory frameworks and has extensive knowledge of both urban and rural remittance markets in the Asia-Pacific and Middle East Regions. NITISH GOPALANI Nitish Gopalani, Co-founder of Fonada - is a proactive leader with a flair for charting out marketing strategies, market plan execution and contributing towards enhancing business volumes/growth, and achieving profitability norms. JAWAHAR GOVINDARAJ 24+ years of high-impact leadership & strategic experience in Software Development and Digital Transformation with a proven track record in working closely with the Founder/CEO. Banking and Fintech SME and Advisory. ARPIT GUPTA Arpit Gupta is a Pure Techie with 12 years of IT Experience. Based in Delhi, He is the co-founder at MLAI Digital and plays the Role of a CTO. JITHESH P V Mr. Jithesh P V is the VP & Head of Fintech Partnerships at Federal Bank. Mr. Jithesh has more than two decades of experience in Federal Bank and has significantly rich experience in Branch Banking, General Banking, Information Technology and Digital Banking. Prior to taking up this role he was heading the Digital Banking vertical of the Bank. The Bank launched a series of innovative products like Video based Account Opening, FedSwagat- appointment booking app, Account Aggregator, Feddy-Bank’s AI based Personal Assistant, Tokenization, All in one Mobile Application- FedMobile, under his leadership. In the current role, he is spearheading Open Banking based partnerships and has partnered with top NEO banks in the country. The Bank has created a state-of-the-art Open Banking Platform with 13 API bundles and 100 plus APIs and Bank is working with more than 50 partners. JAIDEEP PAWAR Jaideep Pawar, Founder & CEO of GRAMePAY has over 23 years of experience in Banking Technology, Insurance, Financial Inclusion, and Digital Payments domains. Having launched and managed Global platforms for companies like FSS, Euronet Worldwide, RS Software & FINO; Jaideep started his Entrepreneurial journey with GRAMePAY in October 2020 & he is also serving as Board Member/ advisor/mentor to some of the emerging Fintech's in India. Jaideep is an Alumnus of Harvard Business School & he is also MBA from SIBM Pune, BE from the College of Engineering Pune. MEITY, Govt of India has appointed Jaideep as Mentor in Digital Payments and Financial Inclusion, space & he is also volunteering as Mentor of Change for Atal Tinkering Labs which is focused on helping and guiding students across 900+ schools to build an entrepreneurial mindset. Recently MEDC - Maharashtra Economic Development Council - a Think Tank for Govt of Maharashtra has appointed Jaideep as Chairman of the Startups and Incubation Committee to promote startup ecosystems in the state. SALIL RAVINDRAN SUNDEEP MOHINDRU Sundeep by profession is a Qualified accountant with more than 23 years of experience in Technology, Finance and Consulting. Sundeep is the Founder and Director of M1xchange (TReDS) and Mynd group. M1xchange is a multi-award-winning online exchange for discounting of Trade receivables for SME enterprises in India, called as TReDS. M1xchange has fulfilled the objective of financial inclusion by the financing of Receivables for SME enterprises in 1100 cities in India, worth USD 4 Billion in the last 4 years. M1xchange is now working towards setting up of International Trade Finance System (ITFS) for the financing of global Trade transactions from GIFT city Gujarat. MANDAR KAGADE Black Dot was founded by Mandar Kagade in May, 2020. Before conceptualizing Black Dot, Mandar Kagade was the Head, Public Policy at “CreditOn”, a B2B Fintech firm in the credit origination space. Before that, he was heading the public policy team at Catalyst, a start-up incubator in the digital payments space wherein he produced several policy papers including notably one on use-cases for the RBI regulatory sandbox. He is a recovering corporate and financial regulatory lawyer and a graduate of Co lumbia Law School, and Govt Law College, Mumbai respectively. NITIN AGRAWAL Nitin Agrawal has been at the forefront of how the under-banked consumer segment has evolved over the last 20 years in India – with a keen votary of digitisation. He is a tech-enthusiast with experience in ideation to execution in multifunctional roles across financial inclusion, rural/ agri- lending, microfinance, corporate-linked retail, channel finance, SME & mid-corporate lending, funding start-ups with early-stage venture debt. Nitin is currently hustling to build a fintech called Navadhan which is aimed at creating new-wealth for the under-banked segment – with focus on small-holder-farmers and micro-enterprises in rural/ semi urban areas. Navadhan is building AceN, a fit-for-purpose tech platform. Prior to that, he has served as CEO, Dy.CEO, CFO, CRO, COO and other Sr Management positions. He worked at entities like ICICI Bank, Fullerton India, Spandana, Aavishkaar group, The Times Group and the India Today Group. Nitin has also served on Boards and in the Executive Council of the India Impact Investor’s Council. He has an MBA from the Institute of Rural Management, Anand. PIERPAOLO BARBIERI VAIBHAV TAMBE Vaibhav is the Founder & CEO of TransBnk Solution Pvt Ltd which is aiming at re-engineering 'Global Transaction Banking' & catalyzing businesses to be agile, secure & robust. His primary focus has been on Transaction Banking Products like Payments, Cash Management, Escrows, Remittances & Trade / Channel Finance, which constitutes the Core Transactional activity for Corporate, Institutions & Fintech; to which the TransBnk is completely aligned. PULKIT TRIVEDI MOHAMMED RIAZ Riaz is a postgraduate from the Delhi School of Economics with 30 years of professional experience in marketing & distribution, The past 15 years have been in leadership positions in Insurance & Micro Finance sectors. Riaz has developed some pathbreaking business models in the past - Bancassurance with Aviva, Micro Insurance, and Common Service Centres in the past. Riaz promoted Xtracap Fintech India Pvt Ltd with a burning desire to find a technology-led solution to problems of working capital and is one of the pioneers of digital channel financing in the principle of 'Reverse Factoring'. Xtracap is incubated under Bharat Inclusion Initiative, CIIE.CO has a 100% digital solution for GST-registered trading firms to access working capital for the short term. Xtracap fintech is also a part of InclusiveFintech 50 for 2021. SRIKANTH BUREDDY SAURABH DAYAL Saurabh Dayal is a data driven hardcore sales guy having rich experience in building & scaling biz multifold. He has worked extensively at grass root level, handled large team size across India across multiple verticals. Skilled in sales, marketing, strategy, technology, payments, franchise expansion and retail. He co-Founded ClearDekho.com - India's First Online Optical Marketplace & Largest Affordable Optical Retail Chain. Built from scratch and scaled it to 100+ optical stores spanning across 20+ states & 45+ cities PAN India within 5 years. ClearDekho is a funded startup valued at 12m usd as on today. Prior to startup had 8+ years of sales, technology & e-commerce experience at PayTM (the largest e-wallet in India), Wipro & HCL. Saurabh currently heads the payments business for Startups & Small Merchants (SSM) vertical in his current role at Paytm. He is also setting up an Paytm incubation centre (PIC) to foster potential startups and make them grow with various Paytm solutions & services. Recipient of multiple awards in multiple biz forums and speaker at hundreds of events & institutions including IIT & IIMs, he has been an integral part of the startup ecosystem. HARSH BISHT VIKRAM BABBAR Vikram Babbar is a Partner & Financial Services Leader at EY Forensic & Integrity Services. He also leads the anti-money laundering (AML) Centre of Excellence (CoE) in India and comes with 22 years of professional experience. Vikram has worked closely with financial services regulators across multiple regions on cases related to fraud and financial crime compliance, sanctions, and regulatory compliance audits. He has also delivered training programs to regulators in the area of forensic investigation and fraud management. He has led several engagements for various organizations around financial crime compliance transformation, setup and implementation of fraud risk management framework, support on the implementation of tools and technology enablers around know your customer (KYC) due diligence and risk scoring, sanctions compliance, AML and fraud risk transaction monitoring and detection of early warning signals. He has also suggested innovative methodologies using robotics process automation (RPA) and automation in the area of financial crime compliance. MAHESH PRAJAPATI Mahesh Prajapati is the founder of a SME Digital Transformation and Financial Inclusion platform called InstaCiti. This is a blockchain powered ecosystem of small businesses and freelancers. Mahesh has clocked 15 years in Fintech. 7+ years in SME E-Commerce & Digital Transformation. He is a Blockchain enthusiast and using this technology for SME empowerment. He has played key role building Fintech products for underserviced segments (like blue collared workforce and tiny small businesses) in US, UK, UAE, Qatar, Bahrain, Kuwait, China, and India since 2004. His flagship product InstaCiti is an effort to marry his past experiences with the exciting possibilities offered by today's technology to create remarkable difference to today's small businesses and freelancers. MAHAVIR JINDAL JATINDER MOHAN SINGH SHAH ROHAN JUNEJA Mr. Juneja has been with TruCap Finance Limited (formerly known as Dhanvarsha Finvest) since December 2019 in the capacity of Joint Managing Director until March 2022 and Managing Director & CEO since March 2022. Mr. Juneja is a former investment banker and hedge fund manager with over 17 years of experience in research, strategy, portfolio management, financial analysis, and mergers & acquisitions. He started his career in 2002 as an Equity Research Associate with Keefe Bruyette & Woods and was elevated to the position of Assistant Vice President. He subsequently worked with FrontPoint Partners, L.P. as Financial Analyst and Vice President from 2007 to 2011 where he extensively worked on the analysis, research, and investment in financial services and real estate companies in India, the USA, and China. He was associated with Seawolf Capital LLC from 2011 to 2017 as Vice President, responsible for investing and managing a portfolio of listed equities within financial services companies in India and the USA. He also worked on companies in similar sectors located in Australia, Brazil, and Canada. RAJESH DESAI RONIT KAR ANUBHAV SHARMA SNEHA DAMLE Sneha Damale- Developer Evangelist, R3 manages the developer relations in the APAC region at R3 and is an R3 Corda Blockchain Consultant. Before joining R3, Sneha worked in investment banking, primarily as a full-stack developer. She has eight years of experience working in core technical fields and holds a Master's degree in Computer Science. PRIYANKA KANWAR Priyanka is a fintech entrepreneur who is currently building Falcon, a financial technology company that is disrupting the way you build modern fintech. No matter what your core business, or size of operation - startups, corporates, and even financial institutions one can use Falcon’s future-proof stack to build bespoke payment and lending products at unreal speeds. Falcon provides end-to-end integrations and global issuance capabilities to enable tech, fintech, and BFSI companies like NBFCs to launch any financial product in days and not months, and with almost no upfront cost. Previously, Priyanka co-founded Kite – Falcon’s B2B2C commercial payments vertical to enable entities like banks, neobanks, & vertical SaaS companies to offer innovative commercial payments products linked to free AP automation software to their corporate & SME clients. She is responsible for scaling this business from zero to processing over USD 200 million in transactions. Recognized among India’s top 5 women in Fintech and the top women to watch by Entrepreneur Magazine, Priyanka is a Yale University graduate and a Tobin Research Fellow at the Department of Economics. She has also founded two global non-profits and conducted research on financial technology across Mexico, Ghana, Honduras, Uganda, among other countries. SHREERAJ DESHPANDE Shreeraj Deshpande is Head of Health Business at SBI General wef 1st November, 2021. He has over 16 years of experience in the private sector including his prior assignment as the Chief Operating Officer at Future Generali India Insurance Co Ltd and Head of Health Insurance at Bajaj Allianz General Insurance. He started his career with The New India Assurance Company in December 1989 and served the public sector for nearly 14 years including two years deputation to the National Insurance Academy as a Research Associate. He is a recipient of C D Deshmukh Award for his PhD thesis on Health Insurance. He has been a member of various Regulatory and Industry level committees on Health Insurance. SAMANT SIKKA VIRAM SHAH SUBHRAJIT MUKHOPADHYAY BALKRISHNA PANGAM DINESH RAMANA KUMAR ANATARIA (ALEXIA) UWAMARIYA SANJAY SESHAMANI RAJESH SHET Rajesh Shet is the Co-Founder and CEO of SahiBandhu. With a passion for innovation and diverse exposure in incubation, sales, networking, and management, Rajesh has expanded SahiBandhu’s presence across India with a vision to make SahiBandhu India’s No. 1 Gold Loan aggregator platform. Over the last 16 years, Rajesh has been instrumental in creating and building new lines of businesses in the BFSI domain. Rajesh is a member of FICCI FinTech forum. RAJAT MEHTA Rajat Mehta is the Senior Director of Consumer Business at OakNorth Bank, a leading UK based neo bank & technology company. Rajat has two decades of rich, cross-functional leadership experience in building & scaling profitable P&Ls across Europe and Asia. He has held various functional head roles across consumer banking, fintech, digital and marketing. In his current role, Rajat leads the Consumer Banking and Savings business for OakNorth Bank. Since its launch in September 2015, OakNorth Bank has grown into one of the most successful fintech’s in the UK, achieving performance metrics which rank it amongst the top 1% of commercial banks globally. Rajat is a Sloan Fellow from the London Business School. He also holds an MBA and a bachelor's degree in Civil Engineering from the University of Mumbai. PRAMEY JAIN SHAUL DAVID Shaul is Global Head of Bank Partnerships at Railsr, the leading global embedded finance experience platform. In this role Shaul is responsible for developing the platform's network of banking partners and payment schemes and helping Railsr and its customers reach more countries around the world. Previously, as the UK Government's first Fintech advisor, Shaul collaborated with governments, innovative companies and financial institutions to accelerate innovation across industry verticals. At the Department for International Trade, Shaul helped build the UK Fintech ecosystem, cementing its global leadership position and supporting Fintech companies growing cross border business. Earlier in his career, Shaul held various roles within retail banking technology and finance. He is also a basketball junkie. NITIN BHATNAGAR Mr. Bhatnagar, Associate Director, PCI Security Standards Council leads the Council’s efforts in increasing adoption and awareness of the PCI Security Standards in India. In this role, Mr. Bhatnagar works closely with the PCI Council Management Team, Payment Brands, Assessors Community, Participating Organization, Government entities and Regulators. Mr. Bhatnagar is an innovative thinker, speaker, television personality, and technical writer and has been often quoted in cybersecurity news stories and has been quoted by news organizations including the BBC, ET Now, CNBC TV 18, Reuters, Economic Times and Times of India. Mr. Bhatnagar has been working in payment security domain for close to a decade and half and has been recently recognized amongst “Top 50 Cyber Security Leaders of India 2021”. He has been constantly part of Research and Development around role of new emerging technologies i.e. artificial intelligence (AI), machine learning (ML), in protecting Payment Infrastructure from Sophisticated Cyber Attacks. Mr. Bhatnagar possess Bachelor Degree in Computer Science from Bundelkhand University, Jhansi and Master's in "Cyber Law and Information Security" from Indian Institute of Information Technology, Allahabad, India MEHDI MAANA In January 2020, Mr. Mehdi Manaa was appointed as the CEO of BUNA (The Arab Regional Payments Clearing and Settlement Organisation). Prior to his appointment, Mr. Manaa served as the Deputy Director General of the Market Infrastructure and Payments Directorate General at the European Central Bank (ECB). During his 12-year tenure at the ECB, Mr. Manaa held several other roles, including heading the Market Infrastructure Development Division as well as the T2S Programme, a program which he was involved in since its inception. Prior to his career at the ECB, Mr. Manaa held various managerial and advisory positions in the private sector focusing on payment solutions and financial market infrastructures. ISHPREET SINGH GANDHI MURALIKRISHNAN PUTHANVEEDU 23+ years of extensive experience in managing, implementing, delivering, developing, and supporting solutions involving financial products, to a large number of banking and financial institutions across the world. Has a keen interest in Emerging Technologies, Data and Behavioural economics alongside a more than a passing interest in the convergence of industries, and the resulting business model evolution in the financial sector. SATHISH HARIHARAN Sathish Hariharan is a Senior Solutions Architect with Amazon Web Services Startup team. He has around 25+ years of experience building software systems for large enterprises as well as Startups. At Amazon, in his current role, he helps startups build and architect their solutions on AWS. JAY PADHIYAR Digital Payment professional with 9+ years of experience accountable for modernizing financial transactions to create value for both customers and constituents. SAROSH AMARIA DHANANJAY SINGH NIDHI GUPTA VISA KANNAN Visa Kannan is a Partner at Saison Capital. Visa comes with extensive experience scaling companies in the eCommerce industry, having been a zero-to-one operator at two unicorns: Grofers (now blinkit) and Lazada. She was most recently an SVP at Grofers, the largest quick commerce player in India. Prior to Grofers, she was a consultant at BCG and before that an M&A lawyer, which ensures she brings an additional eye for detail to her dealmaking. Visa is a champion for diversity in the venture and startup ecosystem. She holds weekly hours to connect, support and mentor female founders. Visa sees a distinct opportunity to bring more experts into the sector by identifying ways to include more women and minority groups. She received her Master of Business Administration (MBA) from INSEAD. BHUVAN RUSTAGI VINAY MATHEWS An industry veteran with 25 years of experience in scaling up operations and delivering profitable growth for internet businesses, Vinay Mathews is the Founder & COO at Faircent, India’s largest peer-to- peer lending platform. Having pioneered the concept of online peer-to-peer lending in India with Faircent, Vinay has been instrumental in the company’s growth since its inception. His long and successful track record in driving business and revenue growth for internet businesses has helped him establish Faircent as the largest and also the first P2P lending platform to be certified as NBFC-P2P by the RBI. Vinay holds a Master’s Degree in Business Administration from the Institute of Management Studies, Devi Ahilya Vishwavidyalaya. He has held leadership positions with several renowned organizations like The Indian Express, Rediff.com, Sify, and Bennett, Coleman, and Co. Ltd over the course of his career. Prior to co-founding Faircent, he was serving as National Head and Associate Vice President – Sales & Service Delivery for TimesJobs.com. TAHEM VEER VERMA Tahem is the Co-Founder and CEO of mesha, the all-in-one financial stack for web3 startups and DAOs. He received his BA at the University of Pennsylvania and MBA at Cornell Tech. Tahem is a serial entrepreneur and previously founded the English-learning app Enguru. Linkedin: linkedin.com/in/tahem PRASHANT MUDDU ROHAN BAGAI Rohan Bagai, Partner Rohan Bagai is a partner with AZB & Partners at its Delhi office. With over 14 years of experience, Rohan is part of AZB’s FinTech & TMT practice. Rohan has a wide range of technology and financial services experience with a special focus on Payments, E-commerce and Privacy & Data Protection. He regularly advises clients on legal, regulatory and compliance issues relating to the launch of payment businesses in India including operation of payment systems as payment aggregators (PAs), pre-paid payment instrument (PPI) issuers such as gift cards & e-wallets and as bill payment service providers under the Bharat Bill Payment System (BBPS). He has also advised payment intermediaries and digital platforms on launch of new age electronic payment methods such as Unified Payment Interface (UPI), QR code-based payment authentication mechanisms, recurring payments, card tokenisation and e-mandate solutions. Rohan has considerable experience in advising clients on legal issues relating to privacy and data protection under the Information Technology Act, 2000 (IT Act) and the Rules as well as the proposed Personal Data Protection Bill, 2018, regulations governing online intermediaries, laws regulating online gaming and the RBI directive relating to localization of payments data. He has authored articles and India chapters for various esteemed publications including Lexology Getting the Deal Through, Mondaq, Legal 500 etc. on a host of subjects including blockchain, cybersecurity, regulations governing payment aggregators and data privacy. BHAKTI ZAVERI Bhakti Zaveri, with 8+ years of experience working with AurionPro Group businesses across various projects in USA & India; Bhakti is now serving as a Director- Global Delivery Planning Office of CEO at Aurionpro Payments, a subsidiary of AurionPro. Bhakti drives the payments business and works towards forming strategic partnerships and alliances in India for the brand AuroPay. Bhakti has completed her Masters of Science from University of Southern California and holds a Bachelor’s degree in Engineering from DJ Sanghvi College of Engineering. SNEHAL PANDIT Snehal Pandit is a senior leader in the Digital Supply chain. He is passionate about the latest innovations and cloud technology that help organizations move towards digital transformation. Snehal heads the Supply chain business in Aurionpro for global operations combining the responsibility of enabling the Business payments platform. Over the past 2 decades, Snehal has demonstrated deep domain expertise in Supply chain digital transformation and Financial Supply chain with strong capabilities in Global sales, Partner synergy, and customer engagement. RAUNAK KAPOOR ABHISHEK ANAND SMITHA HARI Smitha is a finance professional with over 15 years of corporate and entrepreneurial experience. With an MBA in Finance, she has worked across Sustainable Finance, ESG, Impact Investing, Investment Banking and Business Strategy in organisations like IndusInd Bank, ING, EY, Marsh & McLennan and Spark Capital. Her expertise lies in product structuring, financial analysis and research across financial services, clean energy, skilling, and livelihood sectors. Smitha has also donned the entrepreneurial hat in her career, handling assignments on Go-To market strategies, valuation, market assessments and worked on research papers relating to impact investing, infrastructure financing, private equity and venture capital financing. At auctusESG, Smitha takes care of project implementation, design and development of financial products, stakeholder management and business development across sustainable finance, ESG and climate strategy SAURABH PURI Professional with verifiable year-after-year success achieving revenue, profit and business growth objectives. Extensive experience in understanding critical business drivers, seizing control of critical problem areas and delivering on customer commitments. Lead a motivated team comprised of 200 employees and managed P&L for business division exceeding 100 Cr PBT. The area expertise include: P&L Management, Budget Planning, Business Start-ups, Channel & Franchise Management, Staff Management, Product Development, Strategic Planning, New Business Development, Sales Promotion WRIJU RAY Wriju spent more than a decade launching products and building businesses for Fortune 500 companies across Europe, the Americas, and Asia. As Director of Life Sciences at British Telecom, Wriju launched the industry’s first R&D cloud service across 11 countries. At IDfy, Wriju gives business direction, continuously aligning the company to changing market dynamics. Wriju is an industry expert on banking regulations. and is evangelising the digitisation of merchants across India. AGNEESH BANERJEE An experienced market researcher, right from the beginning, Agneesh was intrigued by life in terms of the sheer will to create something that would change human life, or to quote Steve Jobs, "We're here to put a dent in this universe." His work experience has followed the same path. While on a music tour organized by him, he met Rajit, the CEO of Data Sutram. There he heard the idea of how data is the new oil and thought of it as the one mechanism that would help him get closer to creating a dent in the universe. He began his journey at Data Sutram in 2020, right after their first round of funding. Being a highly empathetic human, he took the product and built it around the fact of how people in the various sectors of various businesses can utilize it and bring practical change to their lives. His strength lies in identifying growth opportunities and holistically building upon a company/brand. Always open to growing more and learning new things, he believes a strong core is just as crucial. He's also an avid traveler in his spare time and a trained musician, blues guitar. JAY DEMBANI Jay Dembani is a Product Management Professional with 16+ Years of experience in building and managing scalable B2B SaaS Platforms & Products spanning across multiple domains like FinTech, RegTech & EdTech. He is also a featured speaker on the subject of Product Management at various global conferences. At HyperVerge, he leads product management for Digital Identity. SANDEEP KOUJALGI Sandeep is Senior Vice President, Programs at CIIE.CO. He oversees multiple incubation and acceleration programs for startups, including the Bharat Inclusion Initiative which supports inclusive fintech, skilling and livelihood-focused startups that serve the lower-income segments of India through mentoring, market access, research, training and capital. He has previously worked across industries in product development and management consulting roles. Sandeep has an MBA from IIM Indore and an engineering degree from NITK Surathkal. VAANATHI MOHANAKRISHNAN Vaanathi heads M2P in the Middle East and North Africa (MENA) regions. She is a retail banking professional with 12 years of experience. As part of management, she has managed various facets of business operation, including Sales & Distribution management, Relationship management, Product development, and more. She Joined M2P in 2020 and is based out of the UAE. Prior to M2P, she was associated with UAE Exchange, heading their Cards division. In the past she has worked with ICICI bank, Ajivasan UAE, Duniya Finance, and Citibank. She did her masters from IIPM. ANAND KUMAR BAJAJ An IIM-A alumnus and a Chartered Accountant, Anand Kumar Bajaj is the Founder, MD & CEO of PayNearby. With over 22 years of experience in Digital Payments and Mobility, Anand holds six patents in banking technology and has worked earlier with YES Bank, ICICI Bank, and Ernst & Young. Previously, he was the President and Chief Innovation Officer at YES Bank, where he led several high-impact programs in digital payments. At PayNearby, Anand steers the company’s strategic direction and growth, and he, along with his team, is committed to enabling the reach of digital payments and financial services at the first mile by empowering retailers. NABY MARIYAM Key note speaker |Host of #hustlechat series |entrepreneur| Plug & Play Insurtech (Batch 7) Silicon Valley|Plug & Play Finsurtech (Batch 3) Singapore Follow me on Insta @nabymariyam Follow me on Medium @nabymariyam Follow me on FB @nabymariyam Follow my podcast on Spotify @hustlechat Naby love salsa dancing, poetry and InsurTech (in that order). When she is no not exploring her side hustles, she run Coverhero an insurtech startup focusing on evolutioning insurance services focusing on the needs of Millenials and GenZ. Coverhero Launched our First product Hustlecover.com to fill the gap of financial insecurity for the growing Gig Economy and self employed generation. Coverhero was selected to the first cohort of Qantas AVRO accelerator program competing with 500 other startups. Coverhero was a finalist of the top 15 companies of TechCrunch Startup Battlefield Australia and recently completed the Plug and Play Insurtech program (Batch 7) in Silicon Valley. Coverhero has been featured in Global Insurtech news, Business and technology media as an emerging startup in fintech. Graduating with a Masters of Philosophy in Management at the age of 22, she has had 18 years of experience in a wide range of industries across Senior level positions spanning across Academia ( Business studies, Research Methodology and Design), Management Consulting, Documentary production, Travel & Destination Marketing and Technology. Naby's Research background is in social science where she deeply studied human behaviour in her Academic career. She is currently taking a break from her Phd to focus on building technology driven solutions that solve community problems. I am not a new face to the start up scene in Australia with number of my own startups, and Business ventures working closely with founders and catalyser of innovation in the Australian Startup Ecosystem in the last decade . She has advised the United Nations Development Project on building start-up ecosystems and designed accelerator programs to drive innovation in developing Nations. I was an Australian delegate of at the G20 Young Entrepreneurs conference in Berlin in 2017. I am a Key Note speaker, commentator, thought leader and an advocate for diversity of thought in financial services and technology sector and Nominated fr Female fintech leader of the year 2021 and 2022 in Australia PUSHKAR MUKEWAR Pushkar Mukewar is the CEO and Co-Founder of Drip Capital. In his 13-year-long career, he has worked across various geographies and has an in-depth understanding of the global financial services industry. Pushkar realized the huge potential of addressing the working capital gap for small businesses in emerging economies which became his inspiration behind starting Drip in 2016. Drip offers a unique trade financing product targeted toward small businesses engaged in cross-border trade by making the underwriting and financing of international B2B transactions seamless. In the past, Pushkar was a venture capitalist at Saama Capital and was involved with several high-growth start-ups in India, including Paytm, Snapdeal, and Bluestone. He has also been a Consultant with Oliver Wyman in the US, UAE, and Switzerland, where he advised several financial services clients on strategic and operational issues. He started his career at Capital One where he developed credit risk analytics for the subprime consumer loans business. Pushkar holds an MBA degree from The Wharton School, University of Pennsylvania, and an MS degree from the Georgia Institute of Technology, Atlanta. Pushkar is also a thought leader and influencer in the global trade finance ecosystem. His opinions are routinely published in leading publications like Forbes, Fortune, and Financial Express, to name a few. He has won numerous awards, including BW 40 under 40. RAVI RAVULAPARTHI Ravi Ravulaparthi is CEO & Co-Founder of Qapita, a digital equity management platform. Prior to founding Qapita in 2019, Ravi was Director at Rippledot Capital. Ravi is also a Member of the Board of Directors at Whispir. He has previously worked in investment banking and corporate development in Asia Pacific region for nearly 2 decades and has expertise in capital raising, corporate finance advisory, mergers &acquisitions and principal investments. SHANTI MOHAN Shanti Mohan is a serial entrepreneur and the Co-founder of LetsVenture - India's largest online platform for startup investments - connecting investors and founders who are looking to build disruptive companies together and bring value-added products to the market. LetsVenture is backed by Accel, Chiratae Ventures, Nandan Nilekani, Ratan Tata, Rishad Premji, Mohandas Pai, Sharad Sharma, Anupam Mittal. A second time entrepreneur, Shanti is on a journey to provide a complete marketplace for startups to make fundraising easy and transparent. With this mission in mind, LetsVenture has established multiple brands such as trica, which is a private platform enabling exclusive access to India's top private companies & VC Funds, trica Equity - a SaaS tool for Cap Table & ESOP Management with a built-in protocol for ESOP liquidity, Women Investor Network (WIN) - a cohort-based learning program to empower women as angel investors and secure their seat at leadership tables, and LV Fuel, a collective of ambitious founders at LetsVenture looking to nurture and fuel the next generation of entrepreneurs across India. Shanti is also the founding venture partner for the recently launched RBF Fund N+1 Capital. Over the years , Shanti has also worked with HPE in Cupertino, California, where she was a part of the product team for 10 years. Her passion to make an impact eventually motivativated her to became an angel investor herself. In 2021 alone, she has made over 14 investments, including Jar, Goat brands, Giva, Spottabl, Junio, Animall, and Bimaplan to name a few, securing her a position as one of the top 32 angel investors in India by Inc42. This passion has also moved her into the ranks of various regulatory committees and fintech sandboxes run by SEBI, DPIIT and others. Her areas of expertise include consumer internet, embedded technology, and enterprise. VARUN MITTAL Varun Mittal is experienced at the cross-section of digital business building and financial services in South East Asia and global emerging markets. He has developed and implemented strategy, technology rollout, ecosystem management, and regulatory engagement for financial institutions as well as digital and internet technology companies. He undertook his MBA at the National University of Singapore and graduated with computer science engineering as his undergraduate major. Currently he leads digital for Singlife with Aviva building better way to achieve financial freedom. He is founder of "The Fintech Nation" project comprising book, podcast and investment fund to support fintech ecosystem in Singapore. VENKATRAM JAYANTHY With over 24 years of work experience in various functions of banking with core competence in the areas of Business Strategy, Product Development and Digital Financial Services with a deep understanding of technology as an enabler. Prior to India Post Payments Bank, he has worked with leading banking institutions such as Bank of Baroda, Axis Bank and Equitas SFB in various roles spanning across Project Lead and Domain Expert on Payment Products and Inclusive Banking. During his last assignment with Equitas Small Finance Bank as the Chief Digital Officer, Venkat has been part of the founding team for the Bank and is credited with creating a digitally enabled Banking access through multiple payment systems and channels, thereby leading to business growth and differentiated customer experience. Venkat has also been a key industry spokesperson and is closely engaged with the government and regulatory institutions in policy formulation in a rapidly evolving industry. Venkat has demonstrated his acumen in launching new businesses, by identifying and capitalizing on business, market and process opportunities; leveraging technology to drive revenue, streamlining operations and improving client experience. He is skilled at driving innovation for top and bottom line growth. Venkat has successfully led cross-functional teams to deliver change in complex and challenging environments. He has extensively worked in the financial inclusion space leveraging fintech and digital led innovation to make a difference. Venkat has graduated in Mathematics and Economics from Osmania University and completed the Executive Management Programme from Indian Institute of Management, Kolkata ANKIT RATAN DEEPTI SANGHI SHADAB TAIYABI BENJAMIN FERNANDES UTSAV SOMANI ANUJ KHOSLA Anuj Khosla (Anuj) has over 20 years of experience across financial services including Merchant Acquiring & Cards Business, Retail & Institutional Banking, Institutional Sales & Merchant Partnerships, New Product & Market Development, Retail Banking Strategy, Emerging Payments & Mobile Payments. At Hitachi Payment Services, Anuj is responsible for building the Digital Business, driving digital strategy and P&L growth. Before joining Hitachi Payment Services, he was Chief Operating Officer (Shareholder Nominee) at SBI Payments, a joint venture between SBI and Hitachi Payment Services. At SBI Payments, he played a pivotal role in defining and building the Business Development, Technology, Risk, Product Strategy, Portfolio & Partnerships. Prior to SBI Payments, he was Country Head – India for UnionPay International and was responsible for setting up and growing UnionPay’s business in India. He has also held senior level positions at Visa, India & Singapore where he was Regional Director – Acceptance, India and South Asia and was a core member of Visa’s South Asia leadership team and at Axis Bank Ltd., where he was Vice President & Country Head – Merchant Services. At Axis Bank he set up the merchant acceptance business for the Bank and in a span of less than 4.5 years built India's largest acquiring franchise. A well-known industry veteran in the cards fraternity, Anuj has worked & delivered across diverse markets in Asia Pacific, Middle East & North Africa and managed cross-cultural teams. SWAPNIL JAMBHALE Over 15 years of deep understanding in banking technology with a unique blend of business & technology. Ex-GM Digital Banking had been part of the launch of some of key strategic payments initiatives of NPCI such as UPI, BBPS, RuPay JCB Global card, RuPay Contactless card etc. EX-Business Manager, InfrasofTech -Projects managed 100+financial institutions Postgraduate Diploma in Digital from Emeritus in Collaboration with Columbia Business School & MIT Management Executive Education , B.E.Information Technology ISHITA VERMA KHALIL ALAMI RAVI SRIVASTAVA CARLA VENTER DEBBIE WATKINS KUMAR MAYANK LISHIA ERZA ZEUS DHANBHURA TIFFANY TONG SONIA BASHIR KABIR DYLAN BOURGUIGNON IWAN JUWONO PETER SCHRAVEMADE EDWARD OBIKO JULIET ONGWAE AMERSON LIN PRACHI DHARANI SANDEEP DESHMUKH SAGAR AGARVWAL DR. VIBHOR GUPTA LORIEN GAMAROFF PEDRO DE GARAY AISWARYA RAVI ANUBHUTIE SINGH AISHWARYA JAISHANKAR Aishwarya led the product team that developed India’s first Digital Savings Account, Kotak 811 that doubled Kotak Mahindra Bank’s Customer base in 18 months of launch.She also led the revamp of HSBC India Digital banking for Retail users. MANAN DIXIT DEEPTI GEORGE HUY NGUYEN TRIEU KEITH LEE KANISHK SWARUP PETER KWADWO ASARE NYARKO PRAVEEN DHABHAI MAYADA EL-ZOGHBI MRIDUL UPRETI DR. ORIOL CAUDEVILLA RAMANATHAN RV SRIKARA PRASAD SHYAM MENON SANDEEP C PATIL ELIJAH DEAS BENI CHUGH TARANA LALWANI SHILPA MANKAR AHLUWALIA MARIANNE HAAHR VERA NEUGEBAUER MANEESHA CHADDHA RONIT GHOSE AMNAH AJMAL SUSANNE CHISHTI SYED MUSHEER AHMED DEVIE MOHAN LARS MARKULL AMOL DETHE LIZZIE CHAPMAN AMIT GOEL AJAY RAJAN VAIBHAV DOMKUNDWAR ALOK MITTAL ANILKUMAR SG DR. EMIL RUBAN DWIJARAJ BHATTACHARYA HANSI MEHROTRA HENRIQUE DUBUGRAS JAVIER MANCILLA MONTERO MANISH SHARMA SHRI M R RANGASWAMI PALLAVI SHRIVASTAVA SANJIB SUBBA SHARAT CHANDRA DR. HARI K NAGARAJAN RAHUL RISHI DR. SUPRIYA SHARMA DR. PAWAN BAKHSHI YUKO KAWAI ABHINAV NAYAR Abhinav Nayar is the CEO of Mool, a neobank working to empower India's emerging middle class with good financial decisions and vernacular comfort. He previously worked as a strategy consultant with Dalberg Advisors, served as a ministerial advisor in the Government of India, and managed civic technology programs at Facebook. Abhinav is a graduate of Yale College and the Saïd Business School at the University of Oxford. KYLE ARMSTRONG Kyle C. Armstrong is the Director of Law Enforcement Relations at TRM Labs, a blockchain intelligence company. TRM Labs identifies illicit off-chain activity, attributes that activity to 26 blockchains, and works with government and private customers to make the crypto economy safer for billions of people. Prior to joining TRM Labs, Kyle was a Special Agent and supervisor with the FBI for 14 years. At the FBI, Kyle led investigations into illicit finance; including money laundering, fraud, and terrorism finance. Kyle program managed the FBI’s virtual currency team and then oversaw the FBI’s Terrorism Finance Unit. TIMMANA GOUDA D Timmana Gouda D has > 20 Years of Investment Banking, Corporate Finance, Mortgage and Consumer Lending Experience with Weimann Homes and Axis Bank before starting up as Fintech Entrepreneur, to Set Up WhatsLoan as Founder CEO, a B2B Fintech company in Bangalore in Lending Space. A thought leader in Fintech Regulation and a Key Member of Fintech Group -CoE -Fintech (Centre of Excellence Fintech) Karnataka - as part of KDEM -Karnataka Digital Mission. Loves to network and contribute to Fintech esp in Lending. Quite Passionate about working towards Financial and Wealth Inclusion in India with Financial Identity on Blockchain. ADAM RICE Adam Rice is CEO and founder of Asset Direct. Over the last 18 years, he has scaled online marketplaces around the world, across a broad spectrum of industries; from consumer products, to real estate, and now financial services. In 2005, at the age of 21, Adam built a wholesale marketplace that listed clothing from over 300 factories across Asia. The platform went on to sell over $3M worth of merchandise in the first 18 months of operations. And in the mid 2000’s, Adam launched China’s first country-wide real-estate multiple listing service, which aggregated house listings from 100s of websites across the country. Adam grew the platform from $0 to $100k MRR over the first 4 months of operations. Adam is also an expert marketer, having spent a number of years at a boutique advertising agency. During this time, he had the opportunity to ideate and execute marketing campaigns for some of the world’s largest brands, including Unilever and P&G--his efforts resulted in campaigns that generated upwards of 400% increases in sales. And in 2017, Adam had the honour of being recognized as a Top 20 Under 40 Business Leader by a leading Canadian Business Publication. Adam holds a BA in International Studies from Huron College at Western University and completed his undergrad certificate abroad at the University of Hong Kong. Adam subsequently completed a graduate degree in Professional Communication and Management at Western and an MBA in entrepreneurship from a University in Australia. Adam’s experience in online marketplaces, startups and advertising gave him the wherewithal to launch Asset Direct and scale the business to where it is today with less than $600k total investment. His full background can be found at https://www.linkedin.com/in/arice/ KONSTANTIN DJELEBOV Co-founder and CEO of phyre - a bank-in-a-box solution enabling brands to become fintech in weeks. Pushing fintech innovation since his early twenties, long before “fintech” got hyped. In his first startup, he transitioned from CTO to CEO to lead the pivoting, establish operations in the US and ultimately drive the company to profitability. ARINDAM CHOUDHURY Arindam is the founder of CanPe, a next-generation SaaS platform for debt collections driven by compassion and powered by AI. CanPe seeks to inject substantial degrees of intelligence and technology into the hitherto low-tech and unscalable collections process. Arindam received his engineering degree from IIT-Kanpur, his Ph.D. in Machine Learning (ML) from the U.K., and a post-doctoral fellowship in AI/ML at ETH, Zurich. His research on fast machine learning algorithms for large databases has been published in leading journals and conferences in computer science. Before starting CanPe, he had over a decade-long stint at Symphony Technology Group and Genpact, where he held various leadership roles in analytics R&D, big data, and predictive sciences. In his free time, Arindam enjoys listening to music, taking long walks, and spending time with his family. SEAN RYAN Sean has over 25 years of experience in enterprise transformation, with 15 of those focused specifically on transformation across fraud and financial crime prevention. Previously, he held global leadership roles, with direct experience working across EMEA, Americas, and throughout the Asia Pacific. Prior to joining Feedzai, he provided independent advice specific to this domain, to clients across financial services, the technology sector, and top-tier services providers globally. He’s passionate about leveraging today's technology and data to prevent financial crime and joined Feedzai in 2021 where he is responsible for the growth of the business in the APAC region. SUBHASH R. GHOSH Subhash is a recipient of the Tech Nation Tier 1 Exceptional Talent Visa and he is an Alumni as well as an Advisor to DIT’s “Global Entrepreneur Programme” where his company Lemon Advisors UK is recognized as a “unique disruptive technology of exceptional global potential”. He has over 02 decades of senior-level corporate experience and is the Founder & MD of Lemon (www.lemonadvisors.co.uk), a tech advisory firm and Technoplat (www.wearetechnoplat.tech), a venture builder firm. Lemon, having its offices in the UK and India, helps companies to “grow and scale” their businesses in over 30 countries. Lemon offers Technology Transfer, Knowledge Transfer and Business Transformation as services and focuses on 05 sectors: o Telecoms & Media o FinTech o HealthTech o SpaceTech & Aviation o Renewable & Sustainable Energy In addition, Lemon offers its innovation, the Lemon “Content & IP Audit” (CIPA) Services, which is globally distributed through an ecosystem of partners like EY, Tech Mahindra, Wipro, TATA Communications UK and others. Lemon Audit is the first of its kind in the world. Technoplat, a venture builder and a virtual incubator, having its offices in London and Singapore. Technoplat is a global platform established to incubate and grow tech-based start-ups. It is focused on Startups, Scaleups and Emerging Companies across MENA, APAC, and EU Region. Subhash is also the President – Global Partnerships as well as on the Board of Orbital Micro Systems (OMS), a SpaceTech Data company, incubated out of University of Edinburgh. He is an Ambassador of Tech Nation UK and is also a judge at Tech Nation’s Rising Star 4.0 Programme. • Skills • In-depth understanding of Technology • Wide Business relationships amongst technology professionals, corporate and government sectors • Investors and funding agencies • Areas of Expertise • “C” Level Access across Asia, Middle East & Africa, EU, and USA • Entrepreneur, Tech Advisor, Non-Exec and Mentor. • Mentor at Tech Nation, Level39 (https://www.level39.co/) ,NatWest Accelerator, TechStars NIKHIL AGGARWAL Nikhil is the Founder and CEO of Grip, an alternative investment platform Nikhil is the Founder and CEO of Grip, an alternative investment platform for individual investors for individuals investors. Nikhil started this career as a banker working for global institutions like HSBC (advising on retail mortgage strategy) and Morgan Stanley. As Vice-President, Morgan Stanley Investment Banking, Nikhil spent 6 years advising India's largest companies across technology, real estate and automotive on capital raisings and M&A, executing $5Bn+ of transactions. Following which, Nikhil co-founded Chalo, India's leading public transport mobility company and scaled the company as COO from seed to Series B. In less than 4 years, Chalo emerged as India's largest private operator of city buses. Nikhil also previously served as an advisor and consultant to the World Bank on transport policy in India. VIKRAM PANDYA Vikram is Director of FinTech at SP Jain School of Global Management and also heads research at Fintech-focused VC fund Varanium NexGen. He has authored several white papers, research reports and articles on the FinTech domain. He has an extensive experience in banking, financial services, Fintech, consultancy, and training domains. He is the founder and Director of the Association for Emerging Technologies which is a not-for-profit ecosystem initiative. He is associated as a mentor with various FinTech startups across the globe. He is the Fintech ambassador for Maharashtra Govt.'s Uday Fintech platform and part of the advisory Committee for Rajasthan & Karnataka governments. He is one of the founding members of the Startup Committee at ICAI. He has been a successful banker for more than a decade where he has made key contributions in Financial & Investor Strategy, Business Intelligence, Balance-sheet Management and Business Development & Technology Solutions. He has been a visiting faculty at various prestigious global institutes. ANSHUL KHURANA Anshul has been involved in building and scaling new businesses for over 10 years now. He is a Co-founder at Entitled, a fintech and wellness ecosystem built for low-income workers. Before starting in the fintech space, he set up and built a personnel services company with pan-India operations. He has been involved in building new products with Housing.com and India Infrastructure in the past. He brings in expertise around strategy, product management and business development. Anshul is a graduate of Hindu College, Delhi University and has an MBA degree from Indian School of Business. DEBANJAN CHATTERJEE Debanjan Chatterjee's Bio: Debanjan has over 17 years of experience in analysing emerging trends in financial crime, using data science for traditional finance and fintech. In his current role at Bureau, Debanjan leads Decision Sciences capabilities to build products for managing fraud & compliance risk. Prior to this, Debanjan led fraud risk management initiatives across analytics, regulatory engagement, operations and technology verticals at PayTM. As a data scientist at HSBC, Debanjan developed counter-fraud machine learning models across global markets for several financial products. Debanjan's columns have often been featured in various international fraud risk/analytics publications. In addition to fraud risk mitigation, he is conversant in building solutions to counter money laundering, human trafficking, terror financing, and other financial crimes. Debanjan also contributes to the literature on managing financial crime risk in crypto assets. KOSUKE NEKOSHIMA KETAN PATEL Ketan Patel is the Chief Executive Officer (CEO) at Mswipe Technologies Pvt. Ltd., an independent POS merchant acquirer and network provider. Ketan brings with him more than 20 years of entrepreneurial and corporate experience in the FinTech, Banking, Financial Services and Insurance (BFSI) industry. Prior to joining Mswipe, Ketan was the Founder and Managing Director of his own venture Ditya Finance Pvt Ltd. Additionally, he worked as the CEO and Executive Director of CASHe, a personal loan startup focused on salaried millennials. A seasoned entrepreneur and leader, Ketan also worked at Kotak Mahindra Bank for over 18 years where he had an illustrious career heading some of its key portfolios ranging from private banking, wealth management, composite business solutions and e-commerce. He was also instrumental in setting up the private banking business for the Kotak Group in the UK. Having a vision of democratizing finance and expanding financial inclusion to the underserved working population, Ketan has been extensively involved in strategy, technology, finance and risk management to develop innovative products and solutions for a range of customers. MAHIMA GUPTA Product management professional in the Fintech Services. 19+ years of experience handling multiple roles from risk management for a global bank to product management for a Regtech suite. Published multiple thought leadership pieces in Indian and international journals. Currently focusing on customer experience and product design for our clients in financial services & digital public goods space as part of Thoughtworks’ Customer Experience, Product and Design Service Line ISHAN SHARMA HARVEER SINGH KISHAN SRINIVAS . SANKARAN G GIRIDHAR GM VIDYA PRADEEP RAFE MAZER ANURADHA AGGARWAL MURALI VAIDYANATHAN JOYDEEP DUTTA ROY ADITI OLEMANN MANINDER SINGH JUNEJA MANOJ VARMA He is a seasoned payments domain professional with techno-functional background. He has over 16 years of experience in payments domain with companies like Worldline, Atom, and NPCI. As the Payment Head, Manoj Varma is responsible for creating digital payment products and solutions for the Lyra and launching them in the market. Manoj Varma has an expertise in creating Digital Payment products and Machine to Machine (M2M) connectivity solutions. A multitalented seasoned professional Manoj Varma is accredited as a payment and fintech veteran with being skilled in various digital spheres including — acquiring business, POS, e-commerce, MPI, switch, wallet, Internet of Things, Machine to Machine (M2M) connectivity solutions, and others. He has been the crusader of various pertinent projects and has many emerging payment solutions associated with his name, some of which include:- — Program Lead for managing and implementation RuPay e-commerce platform in the country. — First Cash@POS (point of sales) implementation in the country. — Introduced first USD 100 payment POS in the country. JAYPRASAD HEGDE IPSITA SUR SIDDHARTHA SANYAL * Advisory Board * Consulting Council * Diaspora Connect * About NPCI * About PCI * About FCC * Venue * COVID-19 Guidelines * GFF 2022 (Event Brochure) CONTACT US * Registration latika@fintechcouncil.in * Speakers sandeep@fintechcouncil.in * Exhibitors & Partnership siddhartha@fintechcouncil.in * Strategic Engagement vineet@fintechcouncil.in Copyright 2022 @ Global Fintech Fest Terms & Conditions Privacy Policy Ticket Cancellation * * * ABOUT NPCI National Payments Corporation of India (NPCI) was incorporated in 2008 as an umbrella organization for operating retail payments and settlement systems in India. NPCI has created a robust payment and settlement infrastructure in the country. It has changed the way payments are made in India through a bouquet of retail payment products such as RuPay card, Immediate Payment Service (IMPS), Unified Payments Interface (UPI), Bharat Interface for Money (BHIM), BHIM Aadhaar, National Electronic Toll Collection (NETC Fastag) and Bharat BillPay. NPCI also launched UPI 2.0 to offer more secure and comprehensive services to consumers and merchants. NPCI is focused on bringing innovations in the retail payment systems through use of technology and is relentlessly working to transform India into a digital economy. It is facilitating secure payments solutions with nationwide accessibility at minimal cost in furtherance of India’s aspiration to be a fully digital society. For more information, visit: https://www.npci.org.in/ ABOUT PCI Payments Council of India was formed in the year 2013 catering to the needs of the digital payment industry. The Council was formed inter-alia for the purposes of representing the various regulated non-banking payment industry players, to address and help resolve various industry-level issues and barriers which require discussion and action. The council works with all its members to promote payments industry growth and to support our national goal of ‘Cash to Less Cash Society’ and ‘Growth of Financial Inclusion’ which is also the Vision Shared by the RBI and the Government of India. PCI works closely with the regulators i.e. Reserve Bank of India (RBI), Finance Ministry, and any similar government, departments, bodies, or institutions to make ‘India a less cash society. For more information, visit: http://paymentscouncil.in/ ABOUT FCC Fintech Convergence Council (FCC) after successfully hosting the largest Virtual Fintech Conference - Global Fintech Fest in the month of July 2020, and partnered with the Monetary Authority of Singapore (MAS) as Global Satellite Event Partner for Singapore Fintech Festival (SFF)2020 to host the India leg of Singapore Fintech Festival (SFF). The India Leg of Singapore Fintech Fest (SFF) was organized by FCC and UNCDF jointly. Fintech Convergence Council (FCC) represents the Fintech industry and traditional companies in the BFSI space. The purpose of the council is to encourage collaboration, seek complementarities and build synergy between leading BFSI companies and the emerging Fintech start-ups. The council has worked towards interpreting the regulatory and legal framework, aggregating the concerns and feedback of the various players within the larger Fintech community, communicating it to regulators and lawmakers, and organizing events and gatherings for the industry participants to meet, share ideas and work together in the interest of creating a safer, more open and more collaborative operating environment through a transparent forum. The vision of the council is to “To proactively work towards growth of Fintech and penetration of financial services to support our national goal of financial inclusion, moving towards a digitally empowered country.” It has been the endeavor of FCC to showcase India's Fintech landscape to the world, and no better platform than the Singapore Fintech Festival. The agenda brought together who from the Indian Financial space over the 5 day event. The line up of events also included a curated session matching Indian start-ups with global investors. The Deal Friday platform provided a unique opportunity to early-stage Fintech start-ups from India to pitch and have one on one meetings with a broad spectrum of investors looking for investment opportunities in India. For more information, visit: https://www.fintechcouncil.in/