Hardtalk Digital Identity – Interconnecting Many Solutions or Start Anew?

Jaygan Fu Ponnudurai is currently the CEO of OVO, Indonesia’s largest digital payments, rewards, and financial services platform. Within his role, Jaygan is responsible for the company’s strategy and overall performance as OVO strives to drive financial inclusion and expand digital payments to support the Indonesian people.

Over his 14-year career, Jaygan has held numerous strategic and operational positions, most recently as Chief Commercial Officer at OVO. Prior to joining OVO in 2018, he held various strategic roles at Grab from 2013-2018, including Deputy Regional Head of 2 Wheels Business (Bike and Express), Country Head of Malaysia and Head of Operations. He also worked as a Consultant at Accenture (2009-2013). He began his career at International Data Group as a Market Analyst in 2007.

Jaygan earned his Master of Engineering from the University of Melbourne after completing his Bachelor degree at Multimedia University, Malaysia.

Dr Leah Farrall is an Economic Crime Manager with the Australian Payments Network. She has over twenty years national and international experience in crime and intelligence analysis across corporate, government and research sectors.

Prior to joining the APN, Dr Farrall was the Coordinator Online Harms Insights at the Office of the eSafety Commissioner.  In addition to her consulting work, she has previously worked as a Manager, Financial Crime Intelligence Unit at one of Australia’s largest banks, as a Senior Researcher at the Australian Parliamentary Library providing advice and analysis directly to members of Australia’s Parliament, and as a Senior Intelligence Analyst at the Australian Federal Police. Throughout the course of her career, Dr Farrall has worked and/or lived in Egypt, Hong Kong, Indonesia, the United Kingdom, the United States, Switzerland, Sweden, and New Zealand.

Dr Michael Salmony is Executive Adviser to the Board at Worldline SE, Europe’s leader in financial processing and transactional services, which processes over 17 trillion Euro per year. He is an internationally recognized leader on strategy of business innovations in digital and financial services.He is board-level adviser to major European banks, industry associations and European finance bodies.He regularly helps shape future directions in European decision making bodies e.g. European Commission, EPC, ERPB, and further national and international boards. His views are much in demand as keynote speaker at international events and he appears on TV/Radio/all electronic media on advances in finance and is quoted extensively (e.g. Financial Times, Harvard Business Manager, New Scientist, The Economist and by business schools and governments from Ghana to Malaysia). He has published much own original work which has been translated into many languages including German, Italian, Dutch, Finnish, Polish, Danish, Russian, Chinese and Japanese. Previous positions include Director Business Development of leading national central bank (Bank of the Year, Best Innovator Award). Before entering the world of finance,he was instrumental in setting up IBM’s European Network Centre for the convergence of IT, telecommunications and media and helped transform companies and business models in many industries (publishing, TV/radio, utilities, national rail, etc.) as IBM’s Director of Market Development Media and Communications Technologies. He studied at the University of Cambridge and is married with two millennial children

Tom leads the efforts to expand the global recognition of Ekata into APAC, including opening an office in Singapore in early 2020. He focuses on key partnerships and strategic accounts in eCommerce, online lending, and fintech. Before this, he was a self-proclaimed Whitepages Pro evangelist.

Tom was recently selected by the Merchant Risk Council (MRC) to help launch the Asia Pacific chapter from Singapore.

Peter is the Chief Payments and Operations Officer with Australian Settlements Limited (ASL).

ASL is an organisation that was founded on the principles of mutuality, and ASL is committed to the principle of “by Members for Members”. Through our Memberships of AusPayNet, BPAY, the Customer Owned Banking Association (COBA), eftpos Australia, the NPP, SWIFT and VISA we strengthen our Members’ voice on payments issues, ensuring choice and competition for the industry, and enabling Members to participate on an aggregated basis to lower cost and improve services.

With more than 20 years’ experience the Payments industry in Australia and overseas, and through his career working with Financial Institutions, vendors and consulting firms, Peter brings to ASL his deep knowledge and experience in strategy and consulting, commercialization, product development and delivery.

Patrick is a Senior Product Manager on the Global Payments Program team in Global Liquidity and Cash Management (GLCM). He joined HSBC in 2017 and leads the planning and execution of a portfolio of regulatory, risk mitigation and payments product developments across product lines and regions, including the GLCM ISO20022 and SWIFTgpi programs. Patrick is a member of the Payments Market Practice Group (PMPG) since 2021, and Cross Border Payments and Reporting Plus (CBPR+) working group since the group’s inception in 2019, representing the Hong Kong SWIFT community.

With over 20 years of domestic and global payments experience, Patrick is an expert in business, operation and technical domains. He has served locally in Hong Kong and other major international markets, as well as regional roles in Asia.

Prior to joining HSBC, Patrick was responsible for consulting and professional service businesses across Asia Pacific that cover financial messaging, payments, fintech/blockchain, regulatory reporting and compliance product suppliers. He was also with SWIFT for 18 years, and his last role was the Regional Head of Consulting and Training. He also held different positions in post-sales and pre-sales support areas in the financial solution industry. Based in Hong Kong, Patrick has an MBA degree from The University of Hong Kong and a BS degree from the Lehigh University, USA.

Following his MSc in Astrophysics, Daniel McLean moved into the area of payments. From 2006 – 2011 he worked in financial services for Accenture, specialising in large-scale payment implementation projects. He moved to the Central Bank of Ireland in 2011 and played a key role in developing the Irish National Payments Plan. In 2013 Daniel joined the ECB, where he works in the Market Innovation and Integration Division in the Directorate General Market Infrastructure and Payments. His focus is on the development and implementation of policies to support the catalyst function of the ECB, aiming to ensure the smooth functioning of financial market infrastructures.

Sulabh leads the Global Payments Practice at Accenture.

Sulabh has led several engagements across strategy definition, management consulting and large-scale transformations with a prime focus on payments across several clients.  He helps financial institutions and other organizations across the world navigate the shifting payments landscape, combat lost payments revenue, and control and mitigate operational risk throughout the payments value chain.

In his role as Global Payments lead, his remit includes Europe, North America and Growth markets and 5,000 practitioners globally.  He is responsible for Global Capability Development for Accenture’s Payments practice including thought leadership, campaign management, training and marketing.  Sulabh regularly presents at round tables, seminars and conferences like SIBOS and Money2020 on issues relating to the industry.

Prior to Accenture, Sulabh worked for Capital One in the credit card business in the US.

He has an engineering background and an MBA from INSEAD.

Harry Smorenberg is Founder & CEO of SCC and is an international positioning strategist. He previously worked at Banque Paribas and ABNAMRO and was a director at two leading international strategic consultants. He is a leading contributor to innovation in both the retail and corporate payments and transaction space. He has a solid background in Cash- & Treasury Management. With that he is actively involved with repositioning the finance functions and the role of (new) technology. He is also expert in retirement management (pension scheme development and ageing issues). Harry is Founder and Chairman of AgingFinance.com.Next to that he is working actively on improving financial literacy and financial inclusion (a.o. solutions in areas like communication & education /budgeting/ personal financial planning solutions / pension planning). He also is very much involved withthe‘next generation developments of the way we will work and contribute to society’ (rebalancing work & income / working longer) and thus ‘social innovation’. Harry is Founder of WorldPensionSummit and the GlobalPaymentSummits (EMEA, ASIA, Oceania). Harry’s latest initiative as founder and chair is the Transaction Innovation Forum in Japan. He is also a columnist and guest speaker, sits on several advisory boards (such as GFLEC- Washington / NIBUD – Netherlands / CAFF50.net – Beijing / P&I – New York) and regularly publishes in leading international media. Contact: harry@smorenberg.nl

Pinar Ozcan is Professor of Entrepreneurship and Innovation at Saïd Business School, Oxford University. She is also the academic director of the Oxford Future of Finance and Technology (Fintech) Initiative at Oxford.

Pinar specializes in strategy, entrepreneurship, and technology markets. Her current research includes AI and business models in fintech, open banking and digital disruption in banking, and the rise of big tech platforms.

Pinar completed her Ph.D. at the Stanford Technology Ventures Program (STVP) at the Stanford University Management Science and Engineering Department, and also holds a Master of Science and dual Bachelors degrees from Stanford.

At Stanford, Pinar directed the AEA Stanford Executive Institute, a summer executive program for the high tech industry for three consecutive years. She also organized the Stanford Entrepreneurship Thought Leaders Seminars, and helped create the Stanford Entrepreneurship Corner for entrepreneurship educators worldwide.

Since completing her PhD, Pinar has received the Excellence in Research Award at IESE, the EFMD Best Teaching Case Award, the IDEA Entrepreneurship Thought Leader Award, and Best Paper Nominations and Awards at Academy of Management Journal and Strategic Management Society. Pinar is also the 2015 recipient of the British Academy Newton Grant for the study of open innovation, the 2016 SWIFT award for the study of the UK Banking industry’s transition into open application programming interfaces (API’s), and the 2016 Best Conference Paper Award at Strategic Management Society.

JUDA AGUNG is an Assistant Governor of Bank Indonesia and Head of Macroprudential Policy Department. He is previously the IMF Board member (Executive Director for South East Asia Voting Group) and Executive Director of Economic and Monetary Policy Department in Bank Indonesia. Dr. Agung obtained his PhD in Economics from the Department of Economics, the University Birmingham, UK in 1999. He holds a Master degree in Money, Banking and Finance from the University of Birmingham. He has published articles, in the area of monetary policy, banking, and interlinkage between monetary policy and financial sector.

Paul Brisk has over twenty-eight years’ experience working in consumer and retail payments. During this time, he has developed expertise on almost every aspect and component, both business and technical, of the end-to-end payment eco-system, from point of acceptance and the retailer, to acquirer, through to the issuer and consumer, and the role of the payment scheme. Paul’s focus has always been the impact and implementation of emerging technologies to the commerce ecosystem to create stakeholder benefit. For the last 12 months, Paul has been dedicated to building a start-up business in Indonesia that offers services and products to enable organisations to undergo digital transformation through the application of Open Data. Paul is currently Managing Director of the Jakarta based Pembayaran Digital Indonesia. The company is committed to delivering expert knowledge-based services to payment ecosystem stakeholders to aid in the transformation to digital commerce. Prior to Digital Payments Asia-Pacific, Paul established Cotignac Consultancy Services Limited in 2002 – an independent payment technology consulting and services company registered in New Zealand. Cotignac was successful in winning a large national contract with the Association of Banks in Malaysia to manage the market level migration from signature to PIN at POS. This resulted in Paul’s relocation from New Zealand to Kuala Lumpur from August 2014 to August 2017. He has remained based in South East Asia. Paul’s payments career started in 1992 with a decade at Visa International in both Asia Pacific and Europe. This included the opportunity to lead several large cutting-edge projects involving the implementation of chip based electronic purse, EMV chip-based credit and debit cards, multi-application chip cards and both issuer and acquirer infrastructure for secure Internet payments. Now based in Jakarta, Indonesia, Paul concentrates on applying his experience and knowledge to add value and assist the rapid and exciting transformation to digital commerce currently underway in South East Asian markets. His particular focus and passion are delivering services and products to enable the transformation of traditional business models to digital commerce through the application of Open Data.

Amb. Michael W. Michalak joined the US-ASEAN Business Council in September 2015 as Senior Vice President and Regional Managing Director. He oversees the Council’s six offices in the Association of Southeast Asian Nations (ASEAN) from the Council’s regional headquarters in Singapore, and leads the Council’s regional advocacy efforts and engages regularly with key ASEAN policymakers and thought leaders to offer his unique perspective on the k_ey role U.S. businesses can play in ASEAN. He also manages, coaches and develops the Council’s most critical resource: its staff.

Amb. Michalak most recently worked as an independent business consultant focused on Asia and particularly Vietnam. He also served as Senior Advisor to the private sector host committee of the U.S. APEC Year (2011). His diplomatic career with the U.S. State Department spanned more 30 years and included postings to Tokyo, Japan; Sydney, Australia; Islamabad, Pakistan; Beijing, China; as well as Washington, D.C. He served as U.S. Ambassador to Vietnam from August 2007 to February 2011. Prior to his position in Vietnam, Amb. Michalak was Ambassador and Senior U.S. Official to APEC. He also served as Deputy Chief of Mission of the U.S. Embassy in Tokyo.  In addition, he received a group award for valor for his actions in time of crisis when the U.S. Embassy in Islamabad was burned down.  Amb. Michalak began his career as a research physicist at NASA.

He holds a Bachelor of Science degree in Physics from Oakland University in Rochester, Michigan and a Master of Science degree in Applied Physics from Catholic University of America in Washington, D.C. He received a second Master’s degree in Public Administration from the John F. Kennedy School of Government at Harvard University in Cambridge, Massachusetts.  He speaks Japanese and Chinese.

Kalliopi Spyridaki is Chief Privacy Strategist at SAS, the leader in data analytics. She joined SAS in 2007. In her role today, Kalliopi focuses on public policy and privacy compliance in Europe and Asia Pacific.

Kalliopi works with regulators and policymakers to help shape laws and government policies related to data and artificial intelligence that impact SAS and its customers. She also assists with SAS’s privacy compliance program aiming to ensure that SAS remains in the forefront of global privacy requirements.

She feels the most intriguing part of her work is striving to bridge the gaps between the making of a law, its implementation and the rapid pace of technology evolution with its transformative power for business and our society.

Kalliopi has lived in Brussels since 2002. Before joining SAS, Kalliopi worked as a legal adviser and public policy expert in various firms and organisations focusing on data protection law, competition law and consumer law. She holds a law degree from the University of Athens, Greece and a master’s degree from the University of Tübingen, Germany. She is a member of the Athens Bar Association. Kalliopi speaks four languages.

Davide Corda is a Senior Director within the Group Data Office of Intesa Sanpaolo with responsibility over the Group Data Transformation plan and platform. The Data Transformation Plan is an ongoing multiyear big data programme to integrate data supply chain for all core governance and regulatory processes and foster data exploitation using reporting, analytics and AI. Before joining Intesa Sanpaolo, Davide was Managing Director at Accenture Digital where he was Head of Applied Intelligence Delivery for UK & Ireland and European Lead Solution Architect for Analytics. During the course of 20+ years in the Data & Analytics sector across all industries, he has accumulated extensive experience of designing and implementing analytics solutions for large multi-national organisations, with a particular focus on data strategy, artificial intelligence, business intelligence, data warehousing, data governance, big data architectures & platforms.

Piet has a degree in economics at the University of Amsterdam. After his study Piet joined the Dutch Central Bank, in which he held several senior management positions in economic research, economic and monetary policy and payments, lastly as a member of the Payments and Settlement Committee of the Eurosystem.

In 2004 Piet joined Currence, the then newly established Dutch entity for ownership of the Dutch collective payment schemes, including iDEAL. He became its CEO in 2006.

In 2011 Piet became CEO of the newly founded Dutch Payments Association whose members are payment banks and payments institutions in the Netherlands, combining the two CEO positions.

Piet chairs several steering and stakeholder groups on innovative payments in the Netherlands. For example the, recently finished, Instant Payments programme, iDEAL innovations (the largest online banking epayments system in Europe) and the national digital banking identification and authentication service (iDIN).

In his capacity as CEO he is also involved in other innovations in Dutch Payments landscape and participates in a lot of national and international meetings on payments

Prior to joining Payments NZ in January 2014, Steve served as General Manager Marketing, Sales and Customer Services with funds management company Gareth Morgan Investments. From GM and other leadership roles to founding and running a number of businesses, Steve is experienced in all aspects of business management, marketing and sales, and technology development and transfer. He has also had direct senior management experience in a leading payments business responsible for the processing of $3b worth of value per year. Steve holds a Bachelor of Commerce and Administration (BCA) from Victoria University of Wellington.