With over 20 years in global financial services and technology, Dr. Ritesh Jain has led major transformation programs across banking, payments, and digital infrastructure. He has held senior leadership roles at HSBC, Visa, Apple, and Maersk, including spearheading HSBC’s largest digital transformation and launching Apple Pay in Europe and the UK.

An advisor to central banks, regulators, and governments worldwide, Dr. Jain has been at the forefront of open banking, payments innovation, and CBDC frameworks. The first PhD awarded for contributions to financial inclusion and payments, he also advises and invests across fintech, AI, and Web3 ventures.

He is a recognised global thought leader and keynote speaker at events including Money20/20, LEAP, and the Singapore FinTech Festival.