Synopsis:
This session explored how Japan is evolving its payments infrastructure amid broader global efforts to enhance cross-border financial connectivity. The discussion touched on the country’s long-standing leadership in real-time payments and more recent regulatory reforms that are opening access to non-bank financial institutions — enabling greater competition and innovation.
Kristo Käärmann, Co-founder and CEO of Wise, reflected on the importance of aligning national systems with global standards, and the role of open infrastructure in driving efficiency, transparency, and inclusion across borders. The session also addressed the need for continued collaboration between regulators and industry players to unlock the full potential of a more connected financial system.
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