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Sandeep Malhotra is Executive Vice President of Products & Innovation, Asia Pacific for Mastercard. In this role, he is responsible for product development and management, including commercialization of payment solutions that create a sustainable competitive advantage for Mastercard and its customers across Asia Pacific. This includes consumer and commercial products across Debit, Credit, Prepaid, Commercial, Payments Gateway, Processing, Acceptance, New Payment Flows and Digital Platforms & Labs. Prior to his current role, Sandeep was instrumental in defining and executing Mastercard’s real-time account-based payments strategy. From being business lead for the acquisition Vocalink (UK-based ACH infrastructure provider), through to the creation of Pay-by-Account and Bill Pay products, he has championed new payment flows which aim to introduce choice for stakeholders. Sandeep has been with Mastercard for the past 22 years, and has held a wide variety of roles with increasing responsibility. He has a proven talent for bringing innovative technologies to market, which require persistence and persuasion, by applying broad set of knowledge and expertise gained from working in various areas including digital payments, mobile payments joint venture (with Smart Hub in Philippines), network products and software development & solutions engineering arms of O&T. As an avid inventor, he has contributed to many enhancements to Mastercard's core systems and network. Sandeep earned a Bachelor of Science from the Indian Institute of Technology Kanpur, Master of Science from University of Missouri-Rolla, Masters of Science from University of Missouri-St. Louis and a Master of Business Administration from Washington University in St. Louis.

Ajay is the founder and CEO of PayMate. Ajay has been at the helm since founding PayMate as a consumer-focused fintech before transitioning it to a leader in B2B payments in India. Before PayMate, Ajay had founded two internet start-ups and successfully exited one of them.

David Newington heads up a dynamic team of payment experts for AirPlus International in 9 Asian markets including China, Australia, Japan and India. He launched AirPlus in Australia in 2011 to provide local and multinational companies with high quality and secure, travel and procurement payment services. With a career spanning technology, corporate travel management and B2B payments over two continents David brings a wealth of experience to corporate customers looking to develop payment solutions for their organization.

Mostafa 'Mo' Sabet is the Vice President of Commercial Products for Asia-Pacific. Mo oversees all Commercial Products in the region focusing on Large Market, SME and B2B solutions. He is also responsible for relationships with traditional and non-traditional players in the commercial payments ecosystem. Prior to this role, Mo worked on Mastercard’s New Payments Platform where he led the Consumer Applications platform team developing real-time payment (RTP) use cases. Mo joined Mastercard in 2011 as part of Mastercard Labs in the Innovation Management team and then moved onto Product Commercialization in digital products. Prior to Mastercard, Mo was a Mergers & Acquisitions Specialist for IBM. Mo holds a BSc from MIT and an MBA from the University of Notre Dame. He lives with his wife and two sons in Singapore.

Richard has more than 20 years of experience in the payments and consumer financial services industry, primarily in the Asia Pacific region. Following work in retail banking in California and a short stint in government, Richard was part of the team that started up retail banking for Citibank in Japan. After moving to Singapore, Richard joined MasterCard and headed up Operations & Systems for the Asia Pacific region. He then moved to Keppel TatLee Bank, launched a new credit card program that became profitable in just over 1 year, and then managed the integration of Keppelcard into OCBC Bank as the Card Center Manager at OCBC. Richard set up Transcarta in May 2002 and focuses on assisting financial services companies with strategy, merchant acquiring, enhancement payments training, operations process improvement market research and other business practices. He is also a freelance writer for Challenge, The Asian Banker and other media. He is proficient in Japanese. Richard has a BA from Pomona College and an MBA from Stanford University. He is active in community organizations, including service on the boards of the Metropolitan YMCA and the Jane Goodall Institute Singapore and Global.

Ankur is a leading Payments domain professional with an experience of over 16+ years working with various banks in India. He is currently Senior Vice President at RBL bank, a fastest growing private Bank and has previously worked in leading Card payment organizations like State Bank, American Express. He has been leading member in setting up Credit Card business for the RBL Bank in 2014. His area of expertise is product and portfolio management for consumer and commercial.

Ruth Sy is the Regional Head of SME Segment for Mastercard in Asia Pacific. In her role, she manages the Business card portfolio, and develops new products and partnerships to grow the adoption of digital payments and hasten digital transformation among small businesses. Her career experience spans consumer banking, business banking, investments, and most recently, payments. A significant part of her career was in management of lending products for consumers and micro & small businesses, where she championed financial inclusion across Asian markets. Ruth was born and raised in the Philippines, and now calls Singapore her home. Outside of work, she spends her time (and exhausts her patience) with her toddler, and whips up simple, one-pot dishes to share with her family.