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Sanjay Saraf
Chief Product Officer - Fiserv Merchant Solutions
Fiserv
Sanjay Saraf is the Head of Product for Fiserv Merchant Services, where he leads global strategy and product innovation across Clover (SMB), Mid-Market solutions, ISV partnerships, and Enterprise merchant services. In this role, he oversees the end-to-end product portfolio that powers payments, commerce, and financial services for millions of businesses worldwide—from local small merchants to the largest global enterprises.
Prior to joining Fiserv, Sanjay held senior leadership product and technology roles at J.P. Morgan, Western Union, fintech startup Yapstone, and other leading companies, where he drove innovation across payments, compliance, and technology on a global scale. Sanjay has also served on several private and public company boards.
Speaking at SFF 2026
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3:50–4:30pmWed 18 NovFutureMatters StageHall 5, Singapore EXPOPremium
Technology Rewiring
When Agentic AI Meets Stablecoins, What Comes Next?
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Kash RazzaghiChief Commercial OfficerCircle Internet Group (Circle)
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Sanjay SarafChief Product Officer - Fiserv Merchant SolutionsFiserv
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Sunayna TutejaFormer Chief Innovation OfficerFederal Reserve SystemModerator
About this session
Three forces are colliding at once—autonomous agents, programmable stablecoins, and real-time rails—and together they could rewrite how money moves entirely. As AI agents begin to transact independently and stablecoins gain regulatory footing, the boundaries between payments, settlement, and currency are dissolving faster than most institutions can react. Learn how agentic payments and stablecoins intersect to enable machine-speed money movement; what infrastructure and compliance shifts this convergence demands; and where the earliest commercial opportunities are emerging.
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