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T.R. Ramachandran
Head of Products & Solutions, Asia Pacific
Visa
T.R. (Ram) Ramachandran is the Head of Products and Solutions for Visa in Asia Pacific and was appointed to the role in March 2023.
In this role he is responsible for the development and deployment of Product solutions across Visa’s clients and partners in Asia Pacific. He is also responsible for leading the Innovation team and relationships with Fintechs and digital partners.
Speaking at SFF 2026
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3:10–3:50pmWed 18 NovFutureMatters StageHall 5, Singapore EXPOPremium
Technology Rewiring
How Will Agentic AI Change the Customer Touchpoint?
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Daniel HongVice President, Tencent Financial Technology & Chief Executive WeChat Pay HongkongTencent
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Lee Zhu KuangManaging Director & Head, Innovation GroupUOB
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Shayan HazirChief Digital Officer, Asia (xHK) & MENATHSBC
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T.R. RamachandranHead of Products & Solutions, Asia PacificVisa
About this session
Digital banking has largely been designed around customers visiting an app, comparing options and making a choice. If customers delegate those choices to agents, banks may have fewer direct opportunities to earn their attention and trust.
How will customers discover, select and remain loyal to financial providers when software mediates the relationship? Which interactions will people still want to handle themselves? This session examines how channels, service design and customer consent must evolve, and what institutions need to preserve a meaningful relationship with the person behind the agent. -
