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      Kunal Guha

      Kunal Guha

      Managing Director, Commerce Partnerships, APAC

      Google Asia Pacific

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      Kunal Guha is Managing Director, Commerce Partnerships for Asia Pacific at Google, responsible for leading the Shopping & Payments portfolios for the region.
      On Shopping, his team is pioneering the shift toward Agentic Commerce—building ecosystems to bring delightful and frictionless, hyper-personalised shopping experiences.
      On Payments, his focus is on establishing responsible infrastructure as the secure trust anchor, identity and transactional backbone of the digital economy, with a mission to drive financial inclusion and make money simple, fast, and accessible for everyone.
      Kunal has 20 years of global leadership experience with a strong track record of performance in growing high-paced organisations.
      Prior to Google, he was Regional General Manager for APAC at Uber, responsible
      for all strategic partnerships and managing a complex portfolio of 170,000 global customers across industries and government organisations, by providing operational transformation solutions for their constituents across sustainable mobility, last mile delivery and commerce.
      Prior to Uber, he was EVP, Chief Strategy & Growth Officer at WPP's EssenceMediacom, an advanced analytics driven media agency, part of the world's largest marketing services group. He joined as a startup,
      expanded operations into 16 offices across Asia Pacific, and delivered industry leading 100x growth over 7 years. He lead Strategy & Growth, M&A and Partnerships for the firm; building enterprise level global growth & performance programmes for a diverse portfolio of customers.
      He is an Excomm Member of the Young Presidents Organisation (YPO), the global leadership community of more than 30,000 members in 142 countries who are driven by the belief that the world needs better servant-leaders to pay it forward for the next generations.

      Speaking at SFF 2026

      • 4:10–4:40pmFri 20 NovFutureMatters StageHall 5, Singapore EXPOPremium

        Technology Rewiring

        The Uneven Map: Where AI Rewrites Commerce First

        FutureMatters StageHall 5, Singapore EXPOPremium

        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.