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      Michael Guo

      Michael Guo

      General Manager, Alipay+ SEA & ANZ

      Ant International

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      Michael leads Ant International’s Alipay+ Growth across SEA and ANZ, driving strategic Partnerships and commercial success through digital payment and marketing solutions. His work focuses on enabling merchants’ digital transformation and advancing financial inclusion in the region, driving the recent launch of Alipay+ connection with national QR code payment systems from Singapore, Malaysia, Thailand, Indonesia, Vietnam, Philippines, Srilanka, and Nepal etc.
      Since joining Ant International in 2018 as Regional Marketing Director for Alipay’s Cross-Border Business in South and Southeast Asia, Michael has played a pivotal role in scaling Alipay+’s presence across key markets. Notably, in 2019, he spearheaded the launch of the Passion Made Possible - Traveler Privileges program in collaboration with the Singapore Tourism Board.
      In 2022, Michael led the landmark launch of Alipay+ in Southeast Asia, forging strategic partnerships with leading institutions across the region establishing a robust foundation for regional interoperability in digital payments.
      Prior to Ant International, Michael held management roles in global FMCG firms, with over 12 years of experience in product and brand management. He was previously Regional Head of Marketing and Brand Management at Kellogg’s and Procter & Gamble.

      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.