Who we are

The Emerging Payments Association Asia is a thriving community of payments professionals whose goals are to strengthen and expand the payments industry to benefit all stakeholders.


EPAA Ambassadors are subject matter experts who are supporting the association and its membership base with their expert knowledge and experience from the payments industry.

“We make a difference in the payments industry. Emerging Payments Association Asia provides our members a unique collaboration platform for Asia Payments.”

Lance Blockley

MD The Initiatives Group

As an EPAA Ambassador, we entrust you with our brand.

  • Support us in creating awareness, attention, and desire from new members to join
  • Help our current members who want to understand more about the emerging payments and how it works
  • Help improve our community’s effectiveness

Dr Brad Pragnell

Principal, 34 South 45 North, Canada/AU

Expertise-Markets: Australia/NZ;Canada/US

Expertise-Areas of Interest: National Roadmaps/Policy/Regulation/Real Time Payments/Open Banking/CBDC

“For over 20 years, I’ve been deeply involved in the financial services industry providing leadership and delivering meaningful outcomes for member organizations, their stakeholders, and regulators.”

Antony Morris

Managing Director,Triniti; iSky Research, Hong Kong SAR

Expertise-Markets: Hong Kong, Asia, Global Trends

Expertise-Areas of Interest: Payment UX/Fintech Venture Building/Stored Value/E-cash/Wallets/Open API’s

“FinTech (before it was called that) Venture Builder with extensive experience in advising and leading retail payment, fare collection and financial services consumer behaviour transformation in Asia for 20 years including HSBC, Octopus, BBM Money and PayMe.”

Lance Blockley

Managing Director, Initiatives Group, Australia

Expertise-Markets: Australia,NZ, Asia Pacific

Expertise-Areas of Interest: Payments/Commercial Constructs/Pricing Economics/Cards/Market Strategies

“Experienced management consultant focused on financial services, and particularly payments (such as credit card, debit card, prepaid cards, electronic funds transfer, cash, etc).”

Nilixa Devlukia

Chair, Open Finance Association, UK

Expertise-Markets: UK and EU

Expertise- Areas of Interest: Payments/CBDC/Cryptoassets/Policy/Regulation/Cross Border Payments/Open Banking

“Working with industry, legislators and regulators to ensure the CBDC, crypto assets, open banking and payments ecosystems for financial services that are safe, inclusive and transparent for all users. Member of the EU PSMEG and ECB Digital Euro MAG.

Offering strategic advice on regulatory and policy issues; advising firms and business leaders on how the law, regulation and the decisions and approaches of governments and regulators can impact their strategies. Advising firms and regulators and advocating to governments on policy issues impacting all matters related to payments including CBDC, digital assets, innovation, the impact of fintech, firm authorisations, safeguarding, cross border services, financial inclusion and Open Banking. Providing seminars and training on financial services, CBDC and digital assets, cross border payments and payments legislation (PSD2/SEPA/Interchange Fee) and regulator and legislator consultations.”


Richard Reid

Experienced Executive, New Zealand

Expertise-Markets: NZ Australia,EMEA

Expertise- Areas of Interest: Fintech/Wealth/E-commerce/NZ Banking Eco-System/Cross Border Payments/Open Banking

“Experienced executive with a demonstrated history of working in the financial and technology industries both locally and internationally.”

Rajiv Madane

 Senior Vice President, Asia Pacific, Singapore

Expertise-Markets: Singapore,Asia

Expertise-Areas of Interest: Fintech/Digital Banking/Payments(Cards,Real time)/Open Banking/Open API’s/Platforms

“Rajiv a self driven, digital innovation and FinTech leader who has been involved in the Banking and FinTech ecosystem for over 30 years. He has held senior leadership positions with various multinational companies in USA, Europe and Asia Pacific. Rajiv has helped companies like FIS Global, Wipro, ACI Worldwide, Fiserv grow their business in Asia Pacific with innovative tech solutions for the banking industry. Rajiv was involved in the launch of the APIX platform by MAS (Monetary Authority of Singapore), IFC and ASEAN Bankers Association at the Singapore FinTech Festival 2018.”

Lars Sjögren

Senior Advisor,McKinsey & Company, Sweden

Expertise:Markets- Europe

Expertise- Areas of Interest: Payments/Fintech/Infrastracture/Crypto/Finance/Digital Banking

Leanne Bradley

Co-CEO & Principal,Suite2go, Australia

Expertise-Markets: Australia, Singapore

Expertise-Areas of Interest: Fintech/Crypto/Tokenisation/Mobile Apps/Loyalty and Rewards Linked to Payments/Data and Open Banking/Payments

“Connector and consultant that helps businesses realise their potential
Experienced financial services professional with a demonstrated history of working in the wealth, and investment management industry.”

Raphael Jansa

General Manager, FAHK, Hong Kong SAR

Expertise-Markets: Hong Kong, Asia, Europe

Expertise-Areas of Interest: RTGS/Fintech/Swift/B2B/Cross-Border Payments

“Raphael serves as General Manager of the FinTech Association Hong Kong (FTAHK). In his role, he  is running the association and drives their agenda and executes its strategy. He is an experienced corporate and transaction banker by background, having held various senior roles over a 15 year span, including in the correspondent banking and clearing space, market and client intelligence and corporate treasury advisory,  having  working closely with FinTechs operating in the blockchain, payments, eCommerce, and fraud detection areas.  For years, he has been a speaker, contributor and thought advocate fin the ISO 20022 Migration space.

Raphael is a Certified Treasury Professional (CTP)  and holds a Bachelors and Masters Degree of European and Business Law from the University of Siegen in Germany.”

Monica Jasuja

Head of Money Management, GoTo Financial, Indonesia

Expertise-Markets: India, Asia, Global Trends,Indonesia

Expertise-Areas of Interest: Fintech/Payments/CBDC/Open Banking/Digital Banking/Platforms Economy/Policy/Regulation

“Monica has more than 20 years of job experience in four different continents. She is an expert in product management who places a strong emphasis on the needs of the consumer. She also possesses strong commercial and technological skills. She has successfully conceived, produced, and launched products that have had a significant global impact. She is a well-known thought leader, public speaker who has taken the stage at international fintech and product management conferences, and influential person worldwide.

With her strong team-building skills, she has had success heading numerous cross-functional groups, including Product Management, Business Development, UX Design and Experience, Engineering, Marketing, Legal, and Operations, for Fortune 500 organizations as well as up-and-coming start-ups.

She holds bachelor’s degrees in mathematics and computer science from the University of Illinois at Urbana-Champaign.

She is passionate about promoting workplace diversity outside of the boardroom. She has raised support for a number of causes, including #WomenAtWork, #Girls4Tech, and STEM, with a focus on closing the gender gap in the workplace. She is a well-known online influencer who is listed in the 2022 Onalytica Top 50 Fintech Influencers List and is ranked #15 globally, #10 among Women in Finance Power 100, and #10 among the Fintech Finance GOLD Power List, which honors the top Fintech influencers globally. Besides being named one of the “Top 50 coolest women in Product” by Inc42, Monica has also been named one of the Top 3 Fintech Influencers in Asia and one of Yourstory’s 100 Digital Influencers of 2020.”

Pratyush Prasanna

Head of Merchant Payments at GoTo Financial, Singapore

Expertise-Markets: India, Indonesia, Philippines, Singapore, Malaysia and Thailand

Expertise-Areas of Interest: Payments/Defining Products/POS/Terminal Management/Partner Acquisition

Pratyush is the Head of Merchant Payments at GoTo Financial. He joined Gojek in 2020 and currently oversees GoTo Financial’s suite of merchant payment solutions, primarily their online payment gateway Midtrans and their offline point-of-sale device GoBiz PLUS. With an aim to help more micro, small and medium enterprises in the region digitise and access new opportunities, Pratyush focuses on growing GoTo Financial’s merchant payments solutions, ensuring that they meet the needs of all types of merchants – from enterprise merchants to the smallest sellers.

A seasoned expert in the payments industry, Pratyush was most recently the General Manager of Asia at Poynt, a point-of-sale terminal provider. Based in San Francisco, Singapore and Bangalore, he worked on defining products, point-of-sale applications, terminal management and new partner acquisition across a wide range of markets, covering India, Indonesia, Philippines, Singapore, Malaysia and Thailand.

Prior to that, Pratyush was the Vice President (Business and Payments) at Paytm, India’s most widely used payments app. He saw the growth of the Paytm wallet from less than a million users to more than 100 M users. As an early entrant in India’s payment ecosystem, he was involved in the formulation of UPI (India’s realtime payment rails). Earlier in his career, he also worked for a range of other companies, including Xerox PARC and Microsoft.

Pratyush holds a MBA in Finance, Systems and Marketing from the Indian Institute of Management Calcutta and a Bachelor of Technology from the Indian Institute of Technology Kharagpur.


Mika von Haartman

Director – Digital Payment Support
Krungthai Card Public Company Limited

Expertise-Markets: Thailand, Asia

Expertise-Areas of Interest: Digital Payments, Digital Wallets, Cross Border Payments, QR Code Payments, Faster Payments, Digital Currencies, CBDC

Mika was the driving force behind the creation of Thailand’s inaugural Digital Wallet Cross Border Payment system, establishing connections with Alipay and Wechat Pay. In addition, he has expanded Thai merchant participation by integrating them into the Global Digital Wallet networks and introducing innovative alternative payment solutions. Mika is particularly excited about exploring how Central Bank Digital Currencies (CBDCs) could potentially revolutionize global payment networks and make merchant acceptance more cost-effective.

Tony Seno Hartono

Senior Information Technology Consultant, The World Bank

Expertise-Markets: Thailand, Asia

Expertise-Areas of Interest: Cloud/Security/Data Center/NetworkingAI/Digital Identity/E-Government/E-Commerce/Open Data/Digital Banking/Wallets/Digital Currencies/Policy

Tony Seno Hartono is a seasoned Digital Technology, Policy, and Strategy Advisor with over three decades of experience in the IT industry. Currently, he serves as a Senior Information Technology Consultant at The World Bank, an Adjunct Researcher at the Center for Digital Society (CfDS), and an Information Technology Expert for the Ministry of Communication and Information Technology of the Republic of Indonesia. Throughout his career, Tony has held key positions at major technology companies, including 11 years as the National Technology Officer at Microsoft, and 13 years at Cisco, where he served as the Director of Advanced Technology for Service Providers and Banking sectors. Prior to that, he worked at IBM for 5 years as a Computer Engineer for Telecommunication, Banking, and Manufacturing. Tony is a strong advocate for Cloud Technology and Policy and has been instrumental in driving their adoption in the Government and Healthcare sectors in Indonesia.

Rahul Bhargava

Global Payments Leader

Expertise-Markets: Singapore

Expertise-Areas of Interest: Payments/ Fintechs/Techfins/ Cconsulting firms and International bodies.

Global payments leader with 21+ years of experience with global banks, payments fintechs, techfins, consulting firms and international bodies like Swift. Proven track record of resolving complex, often ambiguous industry challenges and collaboratively delivering multi-market payments initiatives from concept to launch. Many of these were emerging business models or used innovative technologies like AI or open APIs. Examples include Swifts global cross-border instant payments service and CBDC interoperability initiative. He has led geographically & culturally diverse, cross-functional teams globally and is a recognised thought leader, trainer and speaker in major payments industry and regulatory forums.

Alumni Ambassadors

Anurag Vasisth

Business Leader

The strategic business environment is challenging industries at an unprecedented pace. This lead to a need for dynamic, innovation and ethical business leadership more than ever,to consistently drive shareholder value, balanced with value to the customers
and employees.

Fannette Hsin

EPA Asia, Ambassador, Hong Kong SAR

Expertise- Markets: Hong Kong, Asia, US

Expertise-Areas of Interest: RTGS/Payment Issues/Resolutions/CBDC

“Fannette is an EPAA Ambassador and the lead on our Cross Borader Payments project. She long carreer in Payments for HSBC, JPM, Santander and Standard Charted in Wholesale/Global Markets, Private Banking/ Retail Banking/Correspondent banking as well as trade finance. She lead the FX and Derivatives working group to produce the SWIFT Offshore Renminbi Best Practices when the Offshore CNY was first introduced.”

Natalie Shiori Fleming

Director & Head of Corporate Design Office, Infcurion, Japan

Expertise-Markets: Japan, Asia

Expertise-Areas of Interest: Fintech/Payments/Cross Border Payments/Regulation/Policy/Embedded Finance

“Natalie graduated from the University of British Columbia Faculty of Commerce in 2004 and started her career in the finance industry at Citibank, N.A. and Societe Generale Securities. She obtained her MBA from INSEAD in 2008. She served as International Business Section Manager at Rakuten Bank from 2011 to 2014. She joined Payoneer in 2015, where she was most recently Senior Director of Regulatory & Banking Relations, Asia Pacific at Payoneer, as well as Representative Director of Payoneer Japan Limited, leading APAC regulatory strategy and supporting the launch of new entities and services in Japan and across the APAC region. In 2015, she was a founding director of the Fintech Association of Japan and served as Representative Director & Vice Chairperson from 2017 to 2019. She joined Infcurion in November 2021 and was appointed as Director in 2022. As Head of the Corporate Design Office, she oversees HR and corporate communications strategy along with other key strategic initiatives.”

Cary Horenfeldt

Independent Consultant & Advisor

Expertise-Markets: Canada, The UAE, Singapore

Expertise-Areas of Interest: (Credit,Debit,Prepaid,Commercial,Virtual)/Acquiring/ Processing / Digital Convergence, Faster payments/Payment Product Manufacturing (Plastics and Chip)

Cary is a Canadian, a Singapore permanent resident, and he has lived and worked in Asia for the past fifteen years,having held senior leadership roles with companies like Global Payments, First Data (Fiserv), and Mastercard.

As an independent consultant and advisor, he assists financial institutions and fintechs with prioritisation, consolidation, and rationalisation of their payment technologies, and helps enhance their existing platforms, to support cross border payments, newer initiatives like faster payments, and regional mandates, like ISO 20022. His expertise includes issuing (credit, debit, prepaid, commercial, virtual), acquiring, processing, digital convergence,faster payments, and payment product manufacturing (plastics and chip). He focuses on business and product development, deployment and management, go to market strategy and execution, and partnership development . He is Prince2 certified and employs a project management discipline in all my commercial and product development activities.

He has held several executive and non executive director board positions, he speaks regularly, moderates industry as well as his own panel discussions, and he has contributed to payments and fraud related articles, in major publications.

He is invested in Asia as his partner, Angel is originally from Hong Kong and both of his children were born in Singapore. He is also passionate about water sports and ran his own boat and jet ski charter business and he endeavors to give back, focusing his volunteer time on youth, contributing to Junior Achievement, teaching entrepreneurial skills to teens and tweens.






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Emerging Payments in Asia.