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      Jo Yeo

      Jo Yeo

      Director

      Monetary Authority of Singapore

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      Jo is a Director and Division Head at the FinTech & Innovation Group (FTIG) at the Monetary Authority of Singapore (MAS). She leads the Payments Development and Data Connectivity Office, responsible for shaping Singapore's payments ecosystem and driving payments development initiatives, alongside cross-border data connectivity.

      Jo has led Singapore's most consequential payments infrastructure and policy projects, including PayNow Generation 2, the Singapore Payments Network (SPaN), Project Nexus — a multilateral solution connecting fast payment systems across countries — and PayNow's cross-border linkages with Thailand, India, and Malaysia. Other landmark initiatives include SGQR, Direct FAST, the Payments Council, and the digital payments transition from corporate cheques in Singapore. Earlier in FTIG, she served as project director and lead policy architect for the Payment Services Act.

      Jo's career began in law, with experience as Assistant General Counsel at MAS and prior private practice at Allen & Gledhill and Amica Law.

      Speaking at SFF 2026

      • 4:00–4:30pmWed 18 NovPolicy StageHall 3, Singapore EXPOOpenModerator

        Policy Rewiring

        Who Builds the Bridge Between National Payment Schemes; and Who Owns the Toll?

        Policy StageHall 3, Singapore EXPOOpenModerator

        About this session

        National instant payment schemes are proliferating around the world, yet most remain valuable only within their own borders. As domestic networks mature, the next source of value lies not in individual schemes, but in the bridges that connect them.

        This session explores the emerging cross-border interoperability layer: who is building it, how common messaging standards and technical frameworks make it possible, and how governance, costs, revenues, and risks are shared among the parties involved. The discussion will examine the different models being adopted globally, from bilateral connections to multilateral networks and shared infrastructure platforms.

        Participants will leave with a clearer understanding of where payment interoperability is succeeding in practice, what challenges remain, and the trade-offs between different connectivity approaches.

        One of the central questions the panel will explore is: when one country's instant payment scheme needs to communicate with another's, who builds the bridge, and who owns the toll?

      • 3:30–4:00pmThu 19 NovPolicy StageHall 3, Singapore EXPOOpenModerator

        Technology Rewiring

        Agentic Payments: Are Our Rails Ready?

        Policy StageHall 3, Singapore EXPOOpenModerator

        About this session

        For decades, payment systems have been designed around human behaviour. AI agents play by different rules. Unlike humans, agents do not care about rewards, interfaces or brand loyalty. They optimise for speed, cost, and reliability.

        As agents begin making payments on behalf of users and businesses, they may transact at a scale and frequency never seen before, paying for everything from AI services and digital content to machine-to-machine interactions. The result could be millions of low-value transactions that challenge the economics and design of today's payment infrastructure.

        Are our payment rails ready for this future? As PayNow Gen2 considers capabilities relevant to agentic commerce, this session explores whether existing payment rails can adapt, what role programmable money could play, and how payment infrastructure must evolve when machines start choosing how to pay.