Ghita Erling has over 24 years of experience in corporate and retail banking, transactional banking and payments.

Currently, she leads PASA, the industry body mandated by the South African Reserve Bank to assist it in managing the country’s National Payment System.

Ghita has been instrumental in working with the broader South African payments industry to design the Payments Industry Body, an inclusive body for all payments community entities, which will ultimately replace PASA.

Previously, she was responsible for building and operationalising the payments function for the Discovery Bank startup. She has served as a director on the boards of BankservAfrica and SBV Services.

Cosmore Pariola is a highly experienced Chartered Accountant with international business exposure, having worked in various regions, including South Africa and Australia.

Her career has focused on financial services, professional services and mining, often in senior management or leadership positions interacting with C-suite members and executives.

Previously, Cosmore oversaw business operations and technology in 11 Sub-Saharan African countries while working for an international bank.

Her various responsibilities include meeting financial targets, human capital, risk and controls, client experience, and systems and processes. These duties support delivery of strong and sustainable financial results, underpinned by sound controls, systems and processes in highly competitive environments.

Vickey Ganesh is an international payments practitioner with 26 years of experience in strategy and solution formulation.

He has worked in corporate roles and as a private consultant to commercial banks and payments stakeholders.

Vickey has excellent insight into national and regional interbank settlement schemes, especially in sub-Saharan Africa.

He has been responsible for large-value payments systems in technology and payments operations, focusing on the design and build of domestic and cross-border payments and settlement capabilities with various central banks. Through these advanced projects, he has contributed to the industry book of knowledge on domestic and regional payments, benefiting the entire industry.

Currently, Vukile Davidson is responsible for coordinating both regulatory and public policy issues regarding the safety, soundness and integrity of the financial sector.

He has also contributed to various key financial sector reforms, including South Africa’s resolution framework and policy issues as diverse as climate change and financial innovation.

Previously, Vukile worked at the Financial Stability Board in Basel, Switzerland on topics such as the challenges facing SMEs and the decline in correspondent banking services, specifically focusing on the Americas, Middle East and North Africa, and Asia.

Vukile holds an MSc in Development Economics and Finance from the University of London.

Herman Singh brings a unique mix of business, technology, leadership, academic and creative expertise to the stage.

For almost 25 years, he has served in director level roles, either directly or as an advisor. His experience covers a wide range of industries, including cellular communications, digital technologies, banking, financial services, and more.

He is currently a professor in practice at the University of Johannesburg Business School, and an adjunct professor at both UCT’s Graduate School of Business and Duke University, USA.

Through Future Advisory, Herman helps both start-ups and established concerns develop future-proof strategies for success in a digitally disrupted market.

Justice Malala is an award-winning author, political commentator, newspaper columnist and television host.

He writes regular columns for Bloomberg internationally, and the Financial Mail and TimesLive in South Africa. He has been published in the Financial Times, Washington Post, The Guardian, Times of London, and others.

In 2023, The Economist called him “perhaps the country’s most astute political commentator.”

Malala has authored four books. The latest, The Plot To Save South Africa: The Week Mandela Averted Civil War and Forged a New Nation, was published in Canada, UK, USA and South Africa, reaching number one on the South African best-seller list.

Jan Pilbauer has over 15 years of experience in the payments industry, consistently delivering impactful national initiatives and transformations.

Currently the CEO of Al Etihad Payments, he leads the team transforming and modernising the UAE payments ecosystem, including Aani, its new instant payments platform.

Before that, Jan was the CEO at BankservAfrica, Africa’s largest clearing house, where he implemented key initiatives, such as PayShap, South Africa’s domestic instant payments scheme.

As Executive Director and Chief Information Officer at Payments Canada, he contributed to Canada’s payments modernisation journey.

Jan is passionate about financial technology and inclusion, and continues to make significant contributions to the global payments industry.

Leo Lipis is the founder of Lipis Advisors and has 25 years of experience in payment systems management, consulting and research on all six continents.

Prior to launching Lipis Advisors, he held positions in payments strategy and analysis with commercial banks, clearing houses and central banks.

Leo works chiefly in transaction banking, payment system strategy and design, and treasury management.

He has led numerous studies on payment system functionality, covering all types of payments in over 70 countries.

Under his leadership, Lipis Advisors has completed engagements for over 200 clients on a wide range of subjects across the payments spectrum.

Naniki Ramabi is the Chief Risk Officer for the Payments Association of South Africa (PASA):

She joined PASA in 2019 and is a member of the PASA Executive Committee, responsible for maintaining sound risk management practices for both PASA as a legal entity and the National Payment System (NPS).

She has over 24 years working experience in the financial services industry spanning the Risk Management, Auditing, Compliance, Forensic Investigations, and Information Security governance fields.

Lyle Horsley is the head of fintech at the South African Reserve Bank (SARB) and currently serves as the chairperson of the Intergovernmental Fintech Working Group (IFWG) in South Africa. In her current role, areas of focus include crypto assets; open finance; central bank digital currencies; artificial intelligence and tokenisation, and advancing practical explorative projects to understand the policy and regulatory implications of emerging technologies for the financial sector. The SARB’s Fintech Unit also co-leads on the IFWG’s Innovation Hub, made of the regulatory guidance unit, the regulatory sandbox and the innovation accelerator.

Lyle is an admitted attorney and conveyancer in SA and obtained her LLM (cum laude) from the University of Witwatersrand. Previously, Lyle worked as a lead policy specialist at the Prudential Authority and clerked for the former Chief Justice of the Constitutional Court of South Africa.

She successfully completed the Cambridge Open Banking and Finance for Regulators Online Programme and the Cambridge SupTech Lab Innovation Leaders Programme, through the Cambridge Centre for Alternative Finance, Cambridge Judge Business School.

Ingrid Goodspeed is an independent financial sector analyst with over 30 years of banking and financial markets experience, including treasury, risk management, compliance, investment analysis, economic research and information technology.

She previously served as Chief Director, Financial Sector Development at the National Treasury, and held executive and management roles at several banks.

Ingrid is a Chartered Director (SA) and a Fellow of the South African Institute of Financial Markets (SAIFM). She was appointed as PASA’s Independent Council Chair in August 2024, and serves on several boards and trusts, including the SAIFM, and ASISA Enterprise and Supplier Development Fund.

Ingrid also holds an MBL (cum laude), a BCom Honours (Economics) and an LLB from Unisa.

Shanice Gounden brings to her role at PASA over seven years of experience in financial services and payment strategy, with specialisation in large-scale programme transformation across diverse sectors. She has actively contributed to various payments modernisation, innovation and regulatory initiatives within South Africa and across Africa.

Currently, Shanice leads PASA’s engagement in the Financial Action Task Force (FATF) on Recommendation 16, representing both bank and non-bank stakeholders in global and domestic consultations.

Her work focuses on enhancing transparency and compliance in the payments sector, ensuring that South Africa's financial systems align with international standards to combat money laundering and terrorist financing.

Nomathamsanqa (Thami) Moatshe has over 22 years of leadership experience spanning industry, commerce, energy, development finance and banking.

She serves as an Independent Councillor at the Payments Association of South Africa (PASA), where she chairs the Audit Committee, and contributes to the Risk and IT Committees and the PIB Advisory Committee.

In addition to leading Percer Consulting, Thami serves in Chairperson, Non-Executive Director or Independent Non-Executive Director roles at various organisations.

She holds an MBA from Henley Business School and a Master of Management in Finance and Investment from Wits Business School, and is a Certified Director accredited by the Institute of Directors South Africa.

Maurits Pretorius brings over 27 years of experience in strategy development, strategic transformation, and organisational turnaround—driving change at both corporate and industry levels.

Following his retirement as PASA’s Chief Strategy Officer in 2024, Maurits continues to contribute as an Executive Advisor, reporting directly to the CEO. His current focus areas include supporting the PEM programme, guiding PASA through a rapidly evolving regulatory environment, and building strategic capability through the development of a Strategy Centre of Excellence for both PASA and the broader payments industry.

Maurits has played a pivotal role in shaping South Africa’s payments landscape. He was instrumental in the development and implementation of industry-wide payments modernisation roadmaps for key initiatives such as PayShap and DebiCheck. He also led the design of the Payments Industry Body (PIB), ensuring that it is inclusive, effective, and future-focused. While recent regulatory policy shifts may influence the original PIB design, Maurits’s continued involvement ensures both continuity and meaningful industry participation going forward.

With his deep expertise and strategic insight into the payments ecosystem, Maurits Pretorius brings exceptional value to PIPC 2025 as a featured speaker.

Richard Ketley is a leading expert on banking in Africa, with over 25 years of experience advising financial institutions across the continent and the Middle East.

At Genesis Analytics, he works closely with boards and executive teams on strategic initiatives including bank acquisitions, treasury strategy, retail banking value propositions, and pricing models. His particular interests include mobile payments and money transfers, small business banking, and innovative pricing solutions.

Richard is also a respected speaker and lectures widely on topics related to retail banking and financial sector strategy.

With a deep background in solution architecture and consulting, she has led the design and implementation of numerous payments and digital value-added services, products, and systems.

Her work reflects a strong understanding of the complexities of these environments and the importance of delivering secure, sustainable, and user-friendly services to consumers.

Stasha has been instrumental in several landmark payments initiatives in South Africa, including the development of the first Active-Active retail payment switch in Africa—only the second of its kind globally.