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      Krishna Thiruvengadam

      Krishna Thiruvengadam

      Vice President, Digital Solutions, Asia Pacific

      Visa

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      Krishna Thiruvengadam is the Head of Core Platforms and Digital Solutions for Visa in Asia Pacific. In this role, he is responsible for leading Visa’s eCommerce and Digital capabilities across the region, supporting clients and partners with secure, resilient, and scalable payment infrastructure.

      Krishna works closely with financial institutions, fintechs, and ecosystem partners to modernise payments, enable digital transformation, and support innovation in the next‑generation of payments technologies. His remit spans strategy, delivery, and execution for a range of Visa’s solutions to meet the evolving needs of markets across Asia Pacific.

      Krishna has extensive experience in the payments industry, with a career spanning the design, build, and operation of large‑scale payment systems across multiple geographies. A career highlight includes designing and launching the UPI platform for ICICI Bank. He began his career at American Express in risk management, where he developed deep expertise in payments risk, controls, and large‑scale transaction ecosystems. Krishna later moved into the startup space as a co‑founder and product head, leading the end‑to‑end design and build of core payment platforms. This builder‑led experience continues to inform his pragmatic approach to platform innovation and execution at Visa. He is always keen to explore where AI/machine learning can take payments to in the future.

      Krishna has lived and worked across Asia, Europe, and Australia, bringing a strong regional and global perspective to his work. Krishna holds a management degree from the Indian Institute of Management, Bangalore.

      Speaking at SFF 2026

      • 11:30am–12:00pmWed 18 NovMerchant AgendaMerchant Experience Zone (Hall 6)Open

        Others

        One QR, Multiple Networks: Advancing QR Interoperability for Merchants in Singapore

        Merchant AgendaMerchant Experience Zone (Hall 6)Open

        About this session

        Singapore's QR payment landscape has come a long way, but acceptance is not yet fully interoperable. Customers may still find that their preferred banking or payment app does not work at a particular QR merchant. For inbound visitors, cards work well across much of Singapore, but gaps remain at hawker centres and smaller merchants, where those without supported payment apps may still need to use cash.
         
        PayNow Generation 2 has outlined the next step: a proposed SGQR+ switch that would provide a common routing layer across participating payment schemes and merchant networks, while preserving existing infrastructure and merchant-acquiring relationships. The opportunity is broader acceptance without requiring every network to establish separate connections with every other network.
         
        But interoperability is not just a technical question. It is also a commercial and operational one. Who pays when a transaction crosses networks? How should it be routed and settled? What happens when something goes wrong? And can broader acceptance be delivered without undermining the low-cost economics that merchants value? These are among the design questions that still need to be worked through.
         
        This session brings together payment networks and ecosystem players to examine what a more interoperable QR future could mean at the merchant counter: broader domestic and tourist acceptance, scalable network connectivity, sustainable economics and a payment experience that merchants can rely on transaction after transaction.