Unlocking the future of payments in the Philippines

With his 14 years of experience in Telecommunications, Ed was part of the team that brought about innovative products, both in communication and financial services. He led the team that built the PayMaya payments product from the gound up. In this time, he helped define the Basic KYC program that the BSP now uses to for it's financial inclusion programs, the in-app shop that sold prepaid load and introduced the very first Virtual VISA debit card product to the local market. These innovations made the PayMaya app the number 1 free financial app in the Philippine App stores in the next few years of its operations. With Smart Communications, Ed took over Smart's Direct Carrier Billing Business and increased its payment transations from 200M to 2B in 2 years. With Tonik, Ed aims to deliver evolving payment products coupled with outstanding banking services that fulfils the needs of the underserved Fiipino.

Mr. Randolph L. Montesa is the Head of the Card and Electronic Banking Group of Land Bank of the Philippines, where he oversees the conceptualization, development, implementation, marketing, and management of LANDBANK’s electronic banking, debit and credit cards, and other alternative products and service delivery channels. He is spearheading the payments and agent banking initiatives of LANDBANK.

Before joining Security Bank, he held various positions including Director at PricewaterhouseCoopers (PWC) Vietnam (from 2018-2021); Partner at KPISOFT (Malaysia) (from 2017-2018); Head of Technology Institutional, Commercial and Operations (from 2013-2016) and Senior Program Technology Director (from 2011-2013) at ANZ Regional Office APEA (Singapore); Global Head of Trade and Supply Chain Product at ANZ Group (Australia) (from 2009-2011); Global Head of the Program Management Office (PMO) and Head of Asia Product for Trade and Supply Chain at HSBC Hong Kong (from 1998-2009); Assistant Vice President at Bank of America (London & Hong Kong) (from 1994-1998); and Assistance Manager for Electronic Banking and Branch Banking roles at Lloyds Bank in London (from 1986-1994).

Dheeraj Joshi is a seasoned Fintech professional with 16 years of experience in banking & technology. He has in-depth understanding of business processes and payments ecosystem landscape and is passionate about the use of technologies including Open API, Blockchain, Cloud and AI/Machine Learning to deliver innovative, collaborative and value-added payments solutions that transform user experience and revolutionize businesses.

Vincent Fong is a keen observer and a community builder in the fintech space. He currently serves as the Chief Editor of Fintech News Malaysia. Fintech News Malaysia is part of the Fintech News Network, a leading online publication focused on sharing the latest fintech insights and stories from Asia and Europe. He is also a contributing editor for Fintech News Singapore, Fintech News Switzerland, Fintech News Hong Kong and Fintech News Middle East.