Julie Guetta

Managing Director

ThitsaWorks

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Julie Guetta is the Managing Director of ThitsaWorks, a leading system integrator specializing in digital payment infrastructure. She leads the company's strategy, growth, and delivery of national and cross-border payment systems, working closely with central banks, national payment system operators, regulators, and financial institutions to design, implement, and operate inclusive instant payment systems that enable citizens and businesses to access fast, secure, and interoperable digital financial services.

Previously, Julie was responsible for advancing the Mojaloop Foundation’s mission to promote financial inclusion by supporting the adoption of its open-source instant payments platform across Southeast Asia and contributing to global cross-border payments initiatives. With more than four years of active involvement in the Mojaloop ecosystem, she has been at the forefront of several strategic workstreams, including the implementation of ISO 20022 standards, the development of cross-border payment frameworks, and the evolution of industry best practices. She continues to actively contribute to the Mojaloop community and its technical governance.

A finalist in the 2024 Women in Payments Innovation Awards, Julie brings more than a decade of experience implementing complex payment systems, covering payment schemes, interoperability, messaging standards, and business processes to deliver efficient, resilient, and inclusive payment ecosystems.

Before joining the Mojaloop Foundation, Julie served as Technical Product Director at Partior, where she contributed to transforming cross-border payment settlement. She also led Payments Strategy at RedCompass Labs, advising financial institutions on emerging payment trends and developing actionable strategies.

A recognized thought leader and frequent speaker at international conferences, Julie regularly shares insights on financial inclusion, digital public infrastructure, open-source payment systems, and cross-border interoperability. She also lectured at the EBA Summer School in 2022..

Speaking At

4:15–5:45pmMon 16 NovPublic-Private RoundtableRoundtable Room 4Open
Global Frameworks and Shared Best Practices in Payments Chains

Rethinking Instant Payment Infrastructure from the Ground Up

Public-Private RoundtableRoundtable Room 4Open
About this session

Most conversations about improving instant payment systems focus on iteration: faster rails, lower costs, broader interoperability. This roundtable asks a more foundational question: are there aspects of how these systems are typically architected that are worth revisiting at the root, rather than only refining at the edges?
Many systems today rely on a model where a payment is sent, and if something doesn’t match up, the two sides exchange after-the-fact messages to reconcile what happened. This reconciliation-heavy approach carries real ongoing cost, and emerging approaches, including early pilot evidence, suggest that dependence on it can be reduced through pre-validation, where payment data is checked and verified before a transaction is executed. Such design choices made early in a scheme’s architecture can shape how easily it extends to full inclusion later.
This session aims to bring together development institutions, instant payments players, central banks, and relevant voices to discuss whether the iterative path – where systems are made incrementally better over time – or the fundamental path – where systems are rebuilt from the ground up – is a more viable solution for national payments systems looking to embark on pre-validation.
The roundtable aims to produce a practical roadmap for countries looking to implement prevalidation across financial institutions. Where available, early pilot data will serve as evidence, discussed frankly under the Chatham House Rule.

Speakers

Julie Guetta

Speaking At

Rethinking Instant Payment Infrastructure from the Ground Up