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Tom Mutton
Executive Director of Payments Innovation & Fintech
Bank of England
Tom is Executive Director, Fintech and Payments Innovation at the Bank of England.
Tom leads the Bank’s strategy on frontier technologies and their implications for the financial system and economy. This work focuses on artificial intelligence, distributed ledger technology, and quantum computing. Tom also leads the Bank's work on payments innovation, across retail, wholesale, and cross border payments.
Tom has a breath of experience in finance, regulation, international policy, and technology strategy. His previous roles at the Bank include Director of Fintech, Head of International Policy and Strategy, Head of Division in Prudential Policy and time as a Senior Manager responsible for the supervision of major international firms. He was educated at the London School of Economics.
Speaking at SFF 2026
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4:30–5:00pmWed 18 NovPolicy StageHall 3, Singapore EXPOOpen
Policy Rewiring
Cross-Border Wholesale Connectivity: Building a More Connected Financial System
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Ivan OdonnatGeneral Director for Financial Stability & OperationsBanque de France
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Tommaso Mancini-GriffoliHead of the Innovation HubBank for International Settlements
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Dr. Alexandra HachmeisterDirector General Digital EuroDeutsche Bundesbank
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Tom MuttonExecutive Director of Payments Innovation & FintechBank of England
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Alan LimDirector & Head, Financial Infrastructure & Artificial Intelligence OfficeMonetary Authority of SingaporeModerator
About this session
As digital money, tokenized assets and next-generation financial infrastructures gain traction around the world, jurisdictions and institutions are adopting a growing range of technologies, infrastructure models and settlement systems. While this diversity is driving innovation, it also raises an important question: how can increasingly interconnected financial systems continue to operate seamlessly across borders — without waiting for a single global standard to emerge first?
This panel brings together the institutions alongside policymakers and innovators from Asia, Europe and the UK to discuss what regional cooperation actually requires in practice: unified ledgers, synchronisation mechanisms, privacy-preserving technologies, and the governance arrangements that let independently built systems trust one another.
The discussion will examine the technical, legal, operational and regulatory challenges involved in scaling these regional models, and explore how deeper connectivity between them — rather than a single unified global system — may be the more realistic path to an interconnected financial system. -
