Contributors

Rowena Everson

Rowena Everson is Head of External Performance Analytics at Standard Chartered Bank. She is experienced in FSI Communications.

Roy Van Keulen

Ruchika Malhotra

Rupanjan Mukherjee

Rupanjan Mukherjee is a digital platform risk governance and controls management expert with over 15 years of experience in the banking and financial sector.

A PRINCE2 certified project manager, Mukherjee specializes in regulatory project engagement and implementation through collaborations with regulatory bodies in Singapore, while regularly contributing insights on the digital compliance landscape and emerging trends in financial security.

Rupert Naylor

Based in Singapore, Rupert Naylor is Senior Vice President, Asia Pacific at Mastercard where he oversees Data & Services, the professional services arm of Mastercard that encompasses the company’s offerings beyond the transaction. Data & Services harnesses the power of Mastercard’s real-time, anonymized and aggregated transaction data, powerful software platforms and wealth of expertise, to unlock a holistic view of consumer behavior, distill actionable insights and help banks, governments, retailers, travel companies and more to make better data-driven decisions that address their pain points and drive efficiency and value.

Sandeep Aggarwal

Sandeep Aggarwal is a banker based in New Delhi.

Sandeep Malhotra

Sandeep Malhotra, Executive Vice President, Core Payments, Asia Pacific, Mastercard, is an avid business technologist with more than 25 years of global experience delivering strategic technology and business solutions at Mastercard. In his current position as head of Core Payments, he oversees the development and management of all consumer and commercial products in the Asia Pacific region. These span debit, credit, prepaid, commercial, payments gateway and processing to acceptance, account-to-account flows, remittances, open banking, digital platforms and everything in between.

Malhotra’s long career with Mastercard has included stints in the US, Europe, and Asia, where he has held a variety of roles with increasing commercial and leadership responsibilities. These have included working across tech, product, software development and solutions engineering, and contributing to countless enhancements to Mastercard's core payments network. 

In addition, Malhotra was a key driver of the firm’s real-time account-based payments strategy and mobile payments joint venture (Smart Hub in the Philippines), creator of new products such as Pay-by-Account and Bill Pay, and led Mastercard’s $1b acquisition of Vocalink, a UK-based ACH infrastructure provider.

Based in Singapore since 2019, today he is a regular speaker at high profile business and industry forums, and an experienced media commentator on topics ranging from digital commerce, to open banking, digital currencies, the future of money, payments and more. 

Malhotra holds a Bachelor of Science from the Indian Institute of Technology Kanpur, Master of Science from University of Missouri-Rolla, and a Master of Business Administration from Washington University in St. Louis.

Sangiita Yoong

Sangiita Yoong is a Lead Analyst for East & Partners Asia. 

Sarah Tan

Saurabh Bhalerao

Saurabh Bhalerao is an Associate Director and manages the Industry Research team at CARE Ratings. Saurabh currently writes on multiple perspectives around the Indian BFSI industry. He has close to 15 years of experience in managing research services and has familiarity in dealing with global teams consisting of analysts with different cultural backgrounds.