Digital Finance in Motion: UPI, Inclusion, and the Future of Cross-Border Payments
As digital finance rapidly transforms the global economy, legal and regulatory frameworks struggle to keep pace. This panel will explore the evolving landscape of fintech in shaping a resilient and inclusive digital financial future, highlighting the success of India’s Unified Payments Interface (UPI) and its potential for cross-border adoption. Experts will discuss the legal implications of digital lending platforms, the role of stablecoins in enabling real-time international transfers, and the promise of financial inclusion through digital payment infrastructure. The session will also examine the regulatory challenges of decentralized technologies and the need for interoperable frameworks across jurisdictions.
Presenters
Primary Speakers

Jyotsna Jayaram
Bangalore
Jyotsna Jayaram is a Partner in the Bengaluru office of Trilegal and is part of the TMT practice group. Jyotsna has a breadth of advisory, transactional, and regulatory experience spanning over 14 years. Jyotsna routinely advises both domestic and overseas clients on various regulatory aspects of their business, including on data protection & privacy, cross border transfers and data localization, telecom regulatory matters, complex cybersecurity issues, data monetisation models, user generated content, intermediary liability, advertising regulations, consumer protection, gaming, FinTech regulations, HealthTech regulation and content regulation. Jyotsna also works on a wide variety of commercial matters, including drafting and negotiating commercial contracts, outsourcing arrangements, mergers and private equity investments, and business and asset transfers in the TMT sector.
Other Speakers

Vinay Ahuja
Bangkok
Vinay is a seasoned Partner and Group Leader of the Regional Banking & Finance Practice Group, with expertise in fintech and technology. With an impressive 18 years of transactional and advisory experience, including more than a decade in Southeast Asia with DFDL, Vinay has advised a diverse range of clients, including domestic and international banks, sponsors, private and institutional investors, insurance companies, development banks, governments, agencies, and state-owned enterprises. His extensive experience spans domestic and cross-border finance transactions such as commercial and institutional lending, acquisition and leveraged finance, project finance, securitization and structured finance, derivatives, secured and unsecured transactions, as well as regulatory advice and compliance.
Vinay not only leads the firm’s Indonesia Practice but also serves as the head of the India Desk, solidifying his expertise in these regions. Additionally, he cultivates and manages key client relationships while serving as one of the firm’s sector leaders in the Banking and Finance domain.
Throughout his career, Vinay has advised a broad spectrum of corporate and multinational clients on intricate transactions in Indonesia, Lao PDR, and Thailand, particularly in sectors such as energy, infrastructure, mining, information technology, telecommunications, transport and logistics, and agriculture.
In recent times, Vinay has been dedicated to advising clients engaged in blockchain and cryptocurrencies, showcasing his knowledge in this rapidly evolving field. Vinay’s professional reputation extends beyond his work, as he is a regular speaker at international industry conferences, seminars, and workshops. He is also an accomplished author, with several published articles and papers in esteemed newspapers, magazines, and journals, including the IPBA Journal, Asian-MENA, ALB, and IBLJ.
Vinay’s exceptional expertise has garnered recognition in the legal community. He was honored as a “Distinguished Practitioner” by Asia Law and acknowledged as one of Thailand’s Top 100 Lawyers by Asia Business Law Journal.

Eddie Hsiung
Taipei
Eddie Hsiung, recognized as one of Taiwan’s Top 100 Lawyers by Asia Business Law Journal (2024-2025), maintains a balanced practice spanning transactional work (M&A, PE/VC, restructuring, IPOs) and regulatory compliance, with particular expertise in financial services and digital businesses. He is highly engaged in emerging technologies and digital economy, often invited to advise Taiwan’s government and legislators on policies related to AI, Web3, blockchain, cryptocurrency, fintech, digital platforms, data privacy, and e-signatures.
Eddie regularly advises leading banks, securities firms, insurers, asset managers, payment service providers, and credit card companies on transactions, licensing, compliance and investigations. He has extensive experience in advising on the sale of investment products, including offshore funds, and is well-versed in derivatives, AML, digital financial services and virtual assets. He assisted with LINE’s set-up of “digital-only” bank in Taiwan.
As to emerging technologies and digital businesses, he is recognized by Chambers as a “Band 1” lawyer in FinTech (2025-2026), and by Lexology (formerly Who’s Who Legal) as “Highly Recommended” in Artificial Intelligence (2026)—among the world’s leading AI lawyers—and as “Global Elite Thought Leader” in FinTech & Blockchan (2026).
Yuri Suzuki
Tokyo

Abi Abadi Tisnadisastra
Jakarta
Abi’s practice covers a board range of corporate and commercial areas, including mergers & acquisitions, restructuring, joint ventures, and foreign investment. He has been involved in
numerous cross-border acquisitions and investments in companies from various industries including banking, financial services, manufacturing, information technology, ecommerce,
and financial technology (Fintech). He also advises foreign investors on operations, corporate governance, and legal compliance, advising, whether at the outset of their investment or in connection with the compliant functioning of their ongoing businesses.
Abi is recognized for his in-depth knowledge of financial services and information technology sectors, having advised local and multinational financial institutions (multi-finance, insurance, and venture capital companies), tech players, and investors in investing and consolidating operations in Indonesia. He advises client across the Fintech ecosystem from start-ups to large
technology companies, tech investors, financial institutions as well as industry associations. Abi also counsels clients on Data Protection and Privacy, Blockchain technology, and Cryptocurrency.

Anu Tiwari
Mumbai
Anu represents Indian and multinational banking, broker-dealer, exchange, asset management, speciality finance, fintech and information/ emerging technology companies on transactional, enforcement and regulatory matters. His transactional practice focus is on public & private M&A, capital raising, commercial agreements and activism matters.
Anu joined Amarchand Mangaldas Suresh A. Shroff & Co. (now Cyril Amarchand Mangaldas) in 2007 and advises financial services clients on matters before the Reserve Bank of India (RBI), Securities and Exchange Board of India (SEBI), Ministry of Finance, Enforcement Directorate and appellate tribunals.
‘Anu Tiwari is widely regarded as an expert in regulatory compliance and transactional matters, as well as fundraising.’ ‘Anu is one of the smartest lawyers I’ve had the pleasure of working with. He asks the right questions, efficiently focuses on the material issues and offers practical, business-friendly advice.’ ‘Anu has been a fabulous support. His knowledge of the regulatory domain is commendable. He is able to advise his clients in a timely fashion and bring valuable insights for critical decision-making.’ ‘He is very good about managing client relationships and goes out of his way to corral company resources to answer any questions we might have. ‘Anu is an exceptional lawyer with deep sectoral knowledge, commercial awareness and practical insights.’ ‘He has a deep understanding of the ecosystem. I would only go to him for detailed nuanced queries. He is one of the counsels we go to when we need in-depth analysis of financial regulatory issues.’ – Chambers & Partners, 2024-25 (Asia Pacific Edition)
‘Most of my work is with Anu Tiwari. He is top notch in the payments and bank regulatory space. He is efficient, pro-active and capable. He inspires confidence, looks for creative solutions to issues and is an excellent team player.’ ‘Anu Tiwari has in-depth and wide knowledge of various issues in the fintech sector.’ ‘Anu Tiwari is a true leader in his field and I would highly recommend him and his team.’ ‘Anu Tiwari is a seasoned professional, with experience of hands-on dealing with legal and regulatory issues and who understands business requirements well.’ ‘The team has seasoned professionals in this sector that are well-versed with legal and regulatory issues.’ – Legal500 APAC 2024-25