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Joyce Bo
Executive Vice President, Core Payments, Asia Pacific
Mastercard
Joyce leads Mastercard's Core Payments business across the region, spanning consumer products, digital platforms, acceptance, payment networks including account-to-account capabilities, optimization and digital assets. She works closely with teams across Asia Pacific and at the enterprise level to accelerate innovation, strengthen Mastercard's partner ecosystem and continue delivering the next generation of payment experiences for consumers, businesses and governments.
Before joining Mastercard, Joyce was General Manager leading payment innovation and the policy center of Alipay+, Ant International's global wallet gateway. Over more than six years with the company, she helped develop and commercialize innovative payment solutions while overseeing rules and policy, pricing and foreign exchange strategy. She previously led strategic investments across Asia and brings nearly a decade of earlier experience in investment banking and private equity in Hong Kong with Morgan Stanley and HSBC.
Joyce holds a Bachelor of Science degree from the University of California, Los Angeles. She is based in Singapore.
Speaking at SFF 2026
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2:15–2:30pmWed 18 NovFrontier StageHall 6, Singapore EXPOPremium
Technology Rewiring
Paying Is Now Easier Than Ever. What’s Next for Getting Paid? - Powered by Mastercard
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Joyce BoExecutive Vice President, Core Payments, Asia PacificMastercard
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Gaurang ShahExecutive Vice President & Global Head of Acceptance & Merchant SolutionMastercard
About this session
As the way we live, work and earn evolves, payment acceptance must evolve with it. This session explores how issuers, wallets, fintechs and acceptance players can widen economic participation — from people monetizing their skills to side hustlers to millions of micro-sellers and beyond. Plus, hear from a leading digital bank on the financial inclusion potential.
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4:00–4:40pmThu 19 NovPolicy StageHall 3, Singapore EXPOOpen
Technology Rewiring
The Price of Connection: What It Actually Takes to Build Cross-Border Payment Cooperation
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Joyce BoExecutive Vice President, Core Payments, Asia PacificMastercard
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Sohini RajolaExecutive Director, GrowthNational Payments Corporation Of India (NPCI)
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Andrew McCormackChief Executive OfficerNexus Global Payments
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Carlos ÁlvarezChief Risk Officer, Member of Executive TeamFLAR
About this session
Interoperability is widely recognised as a goal, but connecting one country’s payment system to another takes more than technology. It requires alignment on regulation, standards, governance and commercial incentives — as well as negotiation over how costs, risks and benefits are shared. This panel brings together the networks, national payment schemes, policymakers and multilateral hubs working to make cross-border payments more connected, examining where regulatory and commercial frictions persist, how different payment ecosystems can connect and scale across markets, and what smaller or newer markets need to participate on viable terms.
The discussion will explore where cross-border payment cooperation is working in practice, what it takes to make connections sustainable, and whether the biggest barriers to greater connectivity are technical, regulatory or commercial. -
