Neeraj Malhotra

I’m a payments and banking leader with 25+ years at the frontline of merchant acquiring, digital payments, and financial infrastructure across the Middle East, India, and Asia. I work at the intersection of strategy, regulation, and execution—bridging legacy systems with AI-native, interoperable payment architectures that scale across markets while respecting local regulation and consumer behavior. My focus today is on building trusted, intelligent payment ecosystems spanning cards, real-time payments, wallets, QR, cross-border corridors, and open banking. If you’re modernizing payment infrastructure or building the next generation of AI-led, regulation-ready payment systems.