Card Innovation Summit

Gowri Narayanan is a seasoned healthcare and technology strategist, currently serving as a Venture Advisor at Arva AI. He was previously the Chief Strategy & Innovation Officer at Optum, where he led large-scale digital transformation and platform modernization initiatives. With deep expertise at the intersection of AI, healthcare, and financial services, Gowri advises startups and enterprises on innovation strategy, ecosystem partnerships, and scaling enterprise solutions.

Ross leads EY’s payments technology practice for the US. He and his team work closely Banks, Networks, Processors, Paytechs, Merchants, Corporations & Government Agencies.

EY’s Payments Practice has expansive expertise in commercial and consumer payments, delivering end-to-end support, from strategy through execution, to clients along their transformational journey. For more information on EY’s Payments Practice visit: Payments | EY - US

Gary Singh is the President, North America at Zeta. A 20+ year silicon valley industry veteran, Gary has an extensive knowledge about the fintech industry and holds multiple patents in the mobile and wireless industry. At the core, Singh is a business and product guy, who understands how to build and take new and innovative products and services to disrupt status quo markets. Prior to joining Zeta, Singh was the Chief Revenue Officer at Ondot Systems. He has also held executive level positions at Obopay, Nokia Financials Services and Aruba Networks. He comes with over a decade of experience at Zebra (through multiple acquisitions — Motorola Solutions enterprise division and Symbol technologies), where he helped pioneer the WiFi market to automate supply chain operations. At Zeta, Singh is responsible for the company’s go-to-market, operations, growth and overall financial performance in North America.

Prasanna Narayan is EVP of Product at Verifone, shaping the company’s payments and digital commerce strategy. A veteran of Visa, Zeta Services, Ondot Systems, and Mastercard, he brings deep expertise in payments modernization.

Himanshu has 15+ years of strategy and operational experience, including product management at Capital One, product/strategic partnerships at Citi, and strategy consulting at Monitor Deloitte and Strategy& (formerly Booz and co. part of PwC). Himanshu is focussed on future-proofing payments and banking businesses, building ecosystems for consumer/SME growth, and launching and scaling new products and partnerships. He actively mentors / advises fintech startups (Techstars, Plug and Play Accelerator etc.)

Eric Goldberg advises clients on consumer financial services issues at Akerman, focusing on federal and state regulatory matters for deposit accounts, payments services, prepaid cards, money transfers, and credit products. He counsels on fintech products involving virtual currency, blockchain, and data aggregation, evaluates UDAAP risk, and advises on compliance with EFTA, TILA, TISA, GLBA, BSA, MLA, Dodd-Frank, and FTC regulations. Prior to joining Akerman, Eric was Managing Counsel for Regulations at the Consumer Financial Protection Bureau (CFPB) where he led the Agency’s payments regulatory work.

Eric also worked for several years at an international law firm where he defended large financial institutions in putative class actions arising under EFTA, TILA, RESPA, UDAAP, and other Federal and state laws.

Kelvin Chen is the Consumer Bankers Association's Head of Policy. Kelvin joined CBA from Barclays U.S. Consumer Bank, where he led its Regulatory Affairs function and was a member of the Consumer Bank’s Executive Committee. Kelvin also has experience in senior positions in the government, including the Federal Reserve and the Consumer Financial Protection Bureau, and across the private sector.