Australian Payments Network (AusPayNet) Sydney, Australia
As head of Australia’s payments industry self-regulatory body, Andy White brings 25 years of international experience and industry wisdom to the stage.
His varied career includes key roles at the Bank of England, LCH. Clearnet and the Australian Securities Exchange.
He also currently holds advisory positions on the Payment Card Industry Security Standards Council, EMVCo, Emerging Payments Association Asia, and the editorial board of the Journal of Payments Strategy and Systems.
Previously, he served on the Australian Government’s Modernising Business Communications expert panel and the Data Standards Body.
Andy is a graduate of Oxford University and the Australian Institute of Company Directors.
Brad Gillis has over 20 years of payments and banking experience. He has been deeply involved in numerous payments organisations and associations, systems and platforms, banks and regulators in South Africa and greater Africa.
He has authored important research articles on payments and transactional banking in South Africa, the SADC and other African markets, and regularly presents at payments conferences and related events.
In his current role, Brad oversees payments operations in some 20 countries across the continent. He also leads the Remittances Domain for Standard Bank and, before joining the Group, was Chief Executive Officer of BankservAfrica’s Regulated Business.
Chantal Maritz has over 20 years’ experience serving clients across diverse sectors with deep specialisation in financial services and digital transformation.
She is specifically responsible for payments transformation projects that offer her clients innovative strategies and future-ready solutions.
Chantal has actively participated in the modernisation and innovation of payments within the South African market, as well as key programmes locally, across Africa and in the Middle East.
Her notable contributions include Project Khokha, Interchange Determination, leading the SA Payments Study Tour to Asia, design of the Payments Industry Body, Digital Identity Phase 1, and the Rapid Payments Programme with the recent implementation of PayShap.
Chris Becker is an economist turned digital banker.
His role at TymeBank, South Africa’s first Cloud-based bank, affords him deep insight into cutting-edge digital banking and payments governance.
Chris has also participated in several ground-breaking initiatives employing blockchain in modern banking and payment services.
Notably, he led the development of a custody system for digital assets at Investec, which was accepted into the IFWG Regulatory Sandbox in 2021. He has worked on blockchain and crypto projects for the Bank for International Settlements, SARB, the World Economic Forum and BankservAfrica.
Chris is also a partner at Etherbridge, a Mauritius-regulated crypto asset investment fund.
South African Reserve Bank(SARB) Pretoria, South Africa
At SARB, Comfort Phelane specialises in CBDC, open finance and financial inclusion.
He has over 10 years of experience in financial sector development, and policy and regulation. His passion lies in promoting inclusive financial services markets for underserved groups, such as MSMEs, women and youth.
Formerly, as a Manager at Genesis Analytics, Comfort led assignments to enhance digital financial access across several African nations.
At Cenfri, a Cape Town based research think-tank, he contributed to the Making Access to Financial Services Possible (MAP) programme, supporting inclusive finance through evidence-based analysis.
Comfort holds a Master's in Commerce from the University of Pretoria.
David Little is a financial services professional with a career spanning various roles covering strategy, operations, risk and payments.
He has led various business operations both locally and across multiple African markets, driving business growth, operational efficiencies and business transformation.
In addition to his role at SBV Services, David is the Board Chairperson for SBV’s Africa operations and Security Unlimited in Lesotho.
He is also an EXCO member of the Cash-In-Transit Association of South Africa (CITASA), an ATMIA European and Emerging Markets Advisory Board member and a member of Customer Experience South Africa (CXSA).
Mastercard Southern Africa Johannesburg, South Africa
With 22 years of payments industry experience, Gabriel Swanepoel is a specialist in payments innovation and business development.
At Mastercard, he oversees the company’s performance, strategic direction and brand development in Southern Africa.
His current role includes finding new ways to employ technologies and services in partnership with Mastercard’s customers to help them create advanced payments solutions. His portfolio includes banks, fintechs, telcos, retailers and government entities.
As an entrepreneur, Gabriel was one of the founders of Xlink Communications, a machine-to-machine communications business, which today is one of the leading providers of card terminal and ATM communications services in South Africa.
A consummate investment professional, Isaah Mhlanga translates macroeconomic and financial markets analysis into valuable asset allocation, investment and risk management decisions.
With over 10 years of industry experience in the public and private sectors, his technical expertise includes econometric modelling and forecasting, macroeconomic analysis and currencies research.
In his current role, Isaah leads a team of macroeconomic, fixed income, commodities and currency researchers. They develop economic policy insights to help RMB and its institutional and corporate clients identify risks and opportunities for their businesses.
Isaah holds a Master’s degree in financial economics and an Honours degree in econometrics from the University of Johannesburg.
Jane Larimer is the driving force behind Nacha, which governs the Automated Clearing House (ACH) Network. The continuity of this national payments system ensures quick and safe payments throughout the USA.
Nacha also develops rules and standards, provides industry solutions, and delivers education, accreditation and advisory services.
Jane has been recognised for her work in advancing the ACH Network and establishing Nacha as a leader in payments education.
In 2022 and 2023, she was named one of Washington DC’s Most Influential People by Washingtonian Magazine and, in 2021, she was named one of the Most Influential Women in Payments by PaymentsSource.
South African Reserve Bank (SARB) Pretoria, South Africa
Kuben Naidoo is a Deputy Governor of SARB and a member of its Monetary Policy Committee.
He oversees the Financial Stability and Currency Cluster, which incorporates SARB's Economic Statistics Department, the National Payment System Department, the Fintech Unit, the Financial Stability Department, and the Risk Management and Compliance Department.
Previously, Kuben led SARB’s Prudential Cluster and was the first CEO of the Prudential Authority.
Before being appointed as Deputy Governor, he served as Advisor to the Governor of SARB and as the Registrar of Banks.
Kuben holds a Master of Business Administration (MBA) from the University of Birmingham, UK, among others.
Senior Vice President, ACH Network Administration Nacha Herndon, USA
Michael Herd leads Nacha’s Automated Clearing House (ACH) Network administrator activities, and his responsibilities include rulemaking, risk management, compliance, government relations and advocacy.
Nacha governs the ACH Network, the payments system that universally connects all US bank accounts and facilitates the movement of money and information. Nacha is also responsible for setting the rules that govern that system’s operation to ensure that millions of payments occur smoothly and securely each day.
Michael manages the Nacha rulemaking process and the Rules and Operations Committee, and is tasked with the reporting of ACH transaction volumes.
Mpho is a highly regarded executive with over 15 years of wholesale and retail payments innovation experience. His expertise includes real-time payments, open banking, retail and commercial card issuing, and card and payments acceptance, among others.
At BankservAfrica, Mpho directs strategy and execution for all payments product activities. Previously, he was the organisation’s Head of Real Time Payments and lead executive for the market development and launch of PayShap.
Mpho holds a Master of Business Administration (MBA) from Wits Business School. He is also a graduate of Transition to General Management (EDP) at INSEAD and Digital Innovation Programme (EDP) at Duke University.
Divisional Head: Domestic and Regional Settlement Services
South African Reserve Bank (SARB) Pretoria, South Africa
A Chartered Accountant, Nomwelase Skenjana brings a wealth of experience in banking and payments to her work at SARB, which extends to her previous role as Banker to Government.
During her 23-year tenure, she has been part of various transformational technology projects for the banking and payments industry.
She currently leads the RTGS Renewal Programme for both domestic and SADC regional systems, and serves in various committees and working groups, locally and internationally.
These include the High Value Operational Resiliency Industry Group and the Real-Time Gross Settlement work group coordinated by the Bank for International Settlements’ (BIS) Committee on Payments and Market Infrastructures.
Olivier Lens leads a team across three offices to deliver on SWIFT’s ambitious Africa growth plan.
Prior to this, Olivier was part of the Capital Markets Strategy team at SWIFT, tasked with defining the organisation’s global capital markets strategy for the future, from a technological, product and segment perspective.
Olivier joined SWIFT in 2012 to manage its Funds and Investment Management business across EMEA. In 2014, he took over the Benelux sales and relationship management team, supporting regional banks, payment service providers, corporates and market infrastructures.
Before SWIFT, Olivier worked for Euroclear, covering various functions from operational management to network management.
Dr Ryan Noach is passionate about digital technologies and digital healthcare’s potential to improve service delivery, customer convenience and access.
This is illustrated by Health Pay, launched during his tenure. The innovative payments system consolidates medical aid claims and co-payments into single settlements at point of sale, either by card or QR code.
Ryan was also seconded to Discovery Bank as Deputy CEO shortly before its launch in 2019 where he was deeply involved in operations in preparation for the bank’s opening.
His leadership across the services, banking and payments spectrum of private healthcare affords him significant insights into the industry’s evolving payments value chain.
Refinitiv, London Stock Exchange Group (LSEG) Frankfurt, Germany
Seyfi Günay has 20 years of experience in market development and leadership roles in the risk and compliance market.
As the Head of Risk Sales at Refinitiv, he leads a specialist team that provides information, insights and services for concerns like risk screening, due diligence, identity and account verification, and digital onboarding.
Seyfi helps organisations navigate the complex world of risk and compliance using robust data, high-performing technology and advanced analytics.
His previous work history includes similar roles at several large data companies.
He holds a master degree in Economics from Munich University and an MBA from Kellogg School of Management.
As head of the governance organisation for New Zealand’s payments system, Steve is driving a second wave of transformation to empower Aotearoa New Zealand’s payments future.
He is leading Payments NZ to realise a collaborative, innovative and open payments network, working closely with industry stakeholders to ensure the system is future fit and capable of trusted value transfer.
With 25 years of experience in management and executive roles, Steve is also a confirmed entrepreneur, having founded two successful companies.
He is known for big thinking, ethical governance, embracing technology, building capability, fresh ideas, and strong marketing, sales and business development skills.
South African Reserve Bank (SARB) Pretoria, South Africa
Tim Masela was appointed as Head of the National Payment System Department (NPSD) in August 2012, having joined the Bank in July 1994.
Tim also chairs the Payment Systems Subcommittee of the Southern African Development Community Committee of Central Bank Governors.
He further represents SARB on both the Bank for International Settlements (BIS) Committee on Payments and Market Infrastructure and the Continuous Linked Settlement Oversight Committee chaired by the Federal Reserve Bank of New York.
Tim holds MCom and BCom degrees in business and commerce and a Graduate Diploma in Computer Audit, and has completed a senior executive programme from Harvard University.
Jay van Zyl is an innovator and entrepreneur in the world of intelligent technology innovation.
He specialises in the application of artificial intelligence and computational social science to effectively predict human behaviour and overcome challenges when engaging with people at real-time digital touchpoints.
As digital payments become ever more prevalent in society and business, his expertise will be critical to the successful adoption of intelligent interactive payment products.
Jay has written two books. The Process Innovation Imperative (2003) studies innovation in product companies while Built to Thrive, Making Your Mark in a Connected World (2011) focuses on the social aspects of innovation.
Payments Association of South Africa (PASA) Johannesburg, South Africa
Ghita has 23 years of experience in corporate and retail banking, spanning relationship management, operations, strategy, product development, innovation and payments, with a bias towards transform-or-build roles.
At PASA, she ensures the industry body fulfils its mandate to assist SARB in managing the national payment system (NPS) in line with policy objectives.
Previously, she was responsible for building out and operationalising the payments systems for the Discovery Bank start-up. She also served as a director on the boards of BankservAfrica and SBV Services.
Ghita holds an MSc in Engineering and a BSc in Computer Science and Mathematics, and is a popular speaker on payments topics.
Payments Association of South Africa (PASA) Johannesburg, South Africa
Maurits Pretorius has over 26 years of experience in strategy development, strategic transformation and organisational turnarounds, resulting in corporate and industry level change.
At PASA, he applies these skills on an industry level and in support of the national payment system (NPS).
He currently acts as strategist, catalyst, advocate and project owner for a number of payments systems transformations in South Africa. These include the Rapid Payments Initiative (PayShap) and the authenticated debit order system, DebiCheck.
Maurits is also deeply involved with the development and implementation of an industry wide payments modernisation roadmap and the establishment of an inclusive payments industry body (PIB).
Tobie van der Spuy actively advocates for the adoption of regulated blockchain applications in the financial services sector.
He led Block Markets Africa's engagement as a service provider to the South African Reserve Bank on Project Khokha 2 between 2020 and 2023 where market participants explored the impact of decentralisation on financial markets.
Today, BMA supports central and commercial banking customers in their blockchain programmes. They also enable industry payment service providers and financial service providers to take blockchain-based financial service applications to market with a vision to innovate securities and settlements by bridging the centralised and decentralised finance worlds.
Vickey Ganesh is an international payments practitioner with 23 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.
Werner Pyke is an expert in enterprise B2B product management. He has worked at various companies in the payments industry over the past 19 years, from fintech startups to multinational corporations, including ACI Worldwide, Prism, Flash and Nomanini.
He has also been responsible for technology management, including strategy development and implementation, as well as IT governance and operations.
Werner became involved in the Southern African and US community banking and payments space after studying towards a Bachelor’s degree in Information Science at the University of Pretoria.
He is an ardent supporter of the open banking model and passionately evangelises its benefits.
Absa Corporate and Investment Banking Johannesburg, South Africa
An experienced banker, Richard Southey has focused his career on transactional banking, initially working in retail banking but spending the last 15 years in corporate and wholesale banking.
He has a passion for all things digital, and is fascinated by the ability of technology to fundamentally change the capabilities of business and make the world a smaller, safer and easier place to live and operate.
A result of his early days as a civil engineer, Richard is a practical problem solver who strives for simplicity but believes that anything is possible – an attitude he developed from his time spent working in Silicon Valley.
With 18 years of retail banking experience, Lineshree Moodley has had a significant impact on the future of e-commerce in sub-Saharan Africa.
She has also developed strategies and driven payments process digitalisation initiatives for mobile network operators, financial institutions and fintechs in various markets.
Lineshree gained diverse experience working with these entities at all stages of developing multifaceted payments platforms, from digital payments system design to innovative non-traditional and future banking models in the region.
Her passionate focus on value-added financial services technology is driven by her belief in its ability to improve economies, accelerate business growth and better people’s lives.
Financial Sector Conduct Authority Johannesburg, South Africa
Kershia Singh’s portfolio involves, among many other duties, driving the FSCA’s objectives of supporting financial inclusion and the transformation of the South African financial sector, as well as the development of the FSCA’s approach to sustainable finance.
In addition to policy development, she is also responsible for deepening the FSCA’s customer and market insights to better inform regulatory and supervisory policy and approaches.
Previously, Kershia was the director responsible for market conduct policy at the National Treasury.
She holds an Honours degree in Development Studies from Wits University and a Masters in Finance and Financial Law 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.
Dave Glass is an expert in enterprise payments, interbank payments systems, and digital goods and services distribution. He has over 20 years of industry experience, gained from working in Australia, Ireland and South Africa.
A fintech entrepreneur at heart, Dave has played a key role in turning Electrum into a highly respected software-as-a-service provider and the leading enterprise payments software company in South Africa.
His extensive work history has been exclusively focused on digital technology relating to banking and finance, retail, and mobile payments acceptance.
Dave holds a Master’s degree in Management Information Systems from Trinity College in Dublin, Ireland.
Andrew Marsh has more than 20 years of executive experience managing highly complex financial services and payments solutions across the banking, insurance, fintech and retail sectors.
His achievements include managing the development and launch of the first Mastercard Titanium card product in South Africa at Standard Bank.
He was also the Head of Product Division for Nedbank’s joint venture with Pick n Pay’s Go Banking. Here, he was responsible for a range of value-added solutions and introducing the first “fee free” credit card in South Africa.
Today, at Efficacy Payments, Andrew champions the inclusive electronification of payments in formal and informal retail environments.
International Monetary Fund Johannesburg, South Africa
Arif Ismail is an authority on the development and implementation of advanced digital currency and payments policy, strategy and infrastructure.
His passion is to understand how digitalisation impacts broader society and improves social welfare while minimising risks to the domestic and international monetary system.
He has played leading roles in several key policy initiatives, notably the IMF Board Paper on the Elements of Effective Crypto Policies, the G20 synthesis paper on the implications of crypto assets, and the South African national payment system strategy, Vision 2025.
Arif holds a BSc in mathematics and physics, an MBA through GIBS, and a DBA on strategic leadership and transformation.
Business Unity South Africa (BUSA) Johannesburg South Africa
Cas Coovadia is a noted activist with a history of creating positive societal change, advocating responsible action by government and business alike.
As the CEO of BUSA, he is ideally suited to drive the organisation’s vision for a unified South Africa.
Cas was previously the Managing Director of the Banking Association of South Africa (BASA), positioning the body as a leading business organisation and a credible voice for the banking industry.
He also served in leadership roles at the National Business Initiative, the Centre of Development and Enterprise, the International Banking Federation, the Nepad Business Foundation and the Steering Committee of the CEO Initiative.
Paul Harris is an expert in the payments industry who focuses on alternative payments. He has 15 years experience in financial services and fintech, leading business development teams towards hypergrowth.
He was part of various teams that developed, built and brought to market new fintech products, including wallet functionality, loyalty platforms and bank-to-bank solutions.
Paul has been an integral part of fintech projects on various funding rounds, leveraging his vast international cricketing career network.
He believes that technology drives business but people are most important. His long term goal is to focus on them to discover what brings out their best.
Payments Association of South Africa Johannesburg, South Africa
Pierre Coetzee is a member of the PASA Executive Committee, responsible for governance, legal and regulatory matters in both PASA and the national payment system (NPS).
He advises PASA, SARB and other stakeholders on critical legislation, and has developed, implemented and maintained PASA policies, constitutions, rules and agreements. He was instrumental in establishing the body’s compliance function.
Pierre has drafted various papers and documents, such as the PCH System Operator Criteria, System Operator Criteria and Sponsorship Criteria.
Before joining PASA in 1999, he was a practising advocate of the High Court of South Africa and a member of the Johannesburg Bar Council.
Raadhika Sihin is a financial services policy expert with over 25 years of combined public and private sector experience. She specialises in payments, financial inclusion and regulatory advocacy.
Having worked in several regions, Raadhika brings a unique perspective on new technologies, innovative market-led business models, and risks and opportunities.
Previously, Raadhika was lead for the EMEA region at Meta Fintech Technologies, responsible for public policy on payments. She played a pivotal role in shaping the world of payments and digital innovations through regulatory advocacy, particularly on digital assets.
Raadhika was also instrumental in projects like Diem Coin, Novi digital wallet and Whatsapp payments.
Zubin Tafti has over 16 years of payments advisory experience. His clients comprise local and international banks, fintechs, central banks, payment processors, private equity investors, and domestic and global card schemes.
He has extensive domain knowledge of payments solutions, including cards, ATMs, wallets, payment aggregation, digital banking, cross border payments, mobility and government payments.
Zubin’s assignments span business expansion and growth strategy, TOM design, business and process reengineering, complex E2E business and technology buildouts, and regulatory advisory services.
His notable projects include national payment schemes in India (RuPay), the Middle East (government payments across 50+ ministries) and South Africa (PayShap, PIB).
Kristina Logue has more than 15 years of experience in accounting, financial planning and analytics, influencing key decisions, and providing strategic support.
She has an extensive managerial background, offering insightful training and mentorship in regards to development and process improvement.
As the Chief Financial Officer of Payments Canada, Kristina provides financial oversight and leads the organisation’s financial, procurement and business planning functions.
Previously, she served as Vice President, North American Financial Planning and Analysis, at Brookfield Renewables, which operates one of the world's largest publicly traded platforms for renewable power and decarbonization solutions.
Kristina is a designated Chartered Professional Accountant of Canada.
At SARB, Pearl Kgalegi is responsible for the management and operations of the entire Currency function.
Her responsibilities span research, development, issuance, distribution and destruction of both banknotes and coin. She therefore works very closely with the South African Bank Note Company and the South African Mint.
Pearl also oversees three SARB cash centres which manage the distribution and processing of banknotes.
Her experience includes conducting research on emerging trends in the currency landscape, developing innovative strategies, and formulating advanced and future-facing policies.
Pearl led SARB’s feasibility study on Central Bank Digital Currency. She holds an MBA from Milpark Business School.
Stephen Linnell is a dynamic executive with 20 years of impactful, diverse leadership experience in the financial services and technology industries.
He has a strong bias for driving transformation through innovation and is passionate about developing South Africa’s financial market infrastructure.
Before being elected as the CEO of BankservAfrica, Stephen served as both Chief Operating Officer and Chief Information Officer for Global Markets at Rand Merchant Bank.
Stephen also has experience leading wholesale securities and payments businesses for both RMB and Absa, and has held board level positions at other financial market infrastructure providers, as well as JSE Clear and Strate.