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Eun Mi Kristina Rhee
Chief Executive Officer
Toss Bank
View LinkedIn profile[Education]
2016 MBA Columbia, London Business School, and HK University
1999 MA Master of Interpretation and Translation: Ewha Woman’s University
1996 BS Bachelor of Computer Science and Engineering,
Minor in Business Administration: Sogang University
[Professional Experience]
2004~present Toss Bank, CEO
2023~2024 DGB Daegu Bank, CFO/CSO/CDO
2019~2023 HSBC, Korea & Regional CFO/Commercial Banking APAC
2011~2019 Deutsche Bank, Korea CFO
2007~2011 Standard Chartered Bank, Director of Strategy
[Qualifications]
2010 FRM (GARP)
2006 CFA (CFA Institute)
2002 US CPA (AICPA)
Speaking at SFF 2026
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4:00–4:30pmFri 20 NovFutureMatters StageHall 5, Singapore EXPOPremium
Technology Rewiring
The Uneven Map: Where AI Rewrites Commerce First
About this session
The protocol race is over faster than anyone expected. Visa, Google, Mastercard, OpenAI, Stripe and Ant International have all shipped agent-initiated payment infrastructure, while countries such as Korea alone recorded over 100 million AI-to-AI payments in seven months. This discussion will be around where machine will transact first, at what granularity, and on whose stack.
That question does not have a global answer, because agentic commerce is gated by four preconditions that are unevenly distributed or agreed upon.
Identity: can an agent be issued a provable, scoped, revocable mandate.
Acceptance density: is there enough merchant coverage for an agent's choice to be meaningful.
Settlement granularity: can value move at machine speed and sub-cent size.
Customer trust and value: will people actually delegate? Does the result make everyday finance simpler, more transparent and more accessible, including for customers that conventional banking has overlooked?
The first three are being solved on the rails; the fourth is decided in the customer relationship. This panel puts both views on one stage: the platforms building agentic infrastructure, and a digital bank that rebuilt banking around customer needs. Together they map the next eighteen months by looking look at where AI creates practical customer value first and how institutions should balance automation with human judgment and accountability.
