| BIOGRAPHY

Kelvin Tanu Utomo is Visa Head of Product and Solution for Vietnam & Laos, based on Hanoi. He is a seasoned retail banking & payments professional with over 17 years of experience in diverse markets Indonesia, Vietnam and Singapore.

Prior to joining VISA, Kelvin was Head of Portfolio Management for UOB Business Banking and undertake diverse leadership and functional roles in retail banking management with global and regional banks such as Standard Chartered and ANZ.

During his career, he was awarded Indonesia Young Consumer Banker by SWA in 2014.

Kelvin completed his Bachelor of Commerce degree in Monash University and Diploma in Canadian International Matriculation

| TOPIC

Commerce 2023: Contactless & Tokenization Driving Cashless Payments Innovation Towards Virtualization of Money