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Violas Xiao
Singapore Chief Executive Officer
XTransfer
Violas Xiao is a seasoned fintech executive who currently leads XTransfer’s operations in Singapore as Local CEO. With a solid foundation in global banking, particularly in payment systems and FX management, she brings valuable expertise to the fintech space. With a strategic focus on market expansion and client-centric innovation, she helps SMEs access efficient cross-border payment solutions in a rapidly evolving digital finance landscape.
Speaking at SFF 2026
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5:00–5:30pmWed 18 NovFrontier StageHall 6, Singapore EXPOPremium
Technology Rewiring
Payments Went Global. Can the Tech Keep Up?
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Yogesh SangleExecutive Vice President APACNIUM
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Ashish MangalProduct LeaderMeta
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Violas XiaoSingapore Chief Executive OfficerXTransfer
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Nilixa DevlukiaChairOpen Finance AssociationModerator
About this session
Payments move across borders in seconds. Building the technology to support them is a different challenge: connecting to local payment rails, adapting to market requirements, and scaling reliable products across regions. This panel looks at the infrastructure and product choices that help payment companies expand across the US, Europe, the Gulf and Asia—and where local licensing still shapes the roadmap. Founders leave with practical ideas for sequencing market entry, reducing integration friction and building payment systems that can scale globally.
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2:15–2:30pmThu 19 NovIgnite StageHall 5, Singapore EXPOOpen
Technology Rewiring
Banking the Global SME: Scaling Cross-border Markets - Powered by XTransfer Limited
About this session
As trade corridors shift and USD liquidity tightens, SMEs are moving into new markets faster than financial institutions can keep up. This session explores what's changing on the ground and how banks can support SME growth across emerging-market corridors and beyond.
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3:20–3:50pmFri 20 NovPolicy StageHall 3, Singapore EXPOOpen
Policy Rewiring
Beyond Faster Payments: What’s Still Holding Cross-Border Payments Back?
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Shadab TaiyabiAsia Head of Fintech Sales, GPSHSBC
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Ben WongGeneral Manager, Southeast Asia & Hong KongAdyen
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Violas XiaoSingapore Chief Executive OfficerXTransfer
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Jeremy TanFounder & Chief Executive OfficerLiquid Group Pte Ltd
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Pieter FrankenGroup Chief Technology OfficerGlobal Finance & Technology Network (GFTN)Moderator
About this session
For years, the payments industry has shared one ambition: make cross-border payments faster, cheaper, more transparent and more inclusive. Progress has been made, but the hardest problems are no longer technical. Firms moving money across borders still face differing compliance requirements, inconsistent standards, limited interoperability and persistent first- and last-mile frictions. These costs fall hardest on merchants and small businesses.
With the G20’s 2027 targets for cross-border payments approaching, the question is what can actually be delivered, and by whom.
This session brings together practitioners who move money across borders every day, from merchant acquiring and cross-border platforms to the fintech industry. It looks at Asia’s corridors, where markets operate at very different stages of development. Which bottlenecks cost businesses most? What has worked in practice? And where does industry need to act together, or need policymakers to step in, to turn ambition into measurable progress? -
