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Winnie Yap
Managing Director, Head of Global Payments Solutions Singapore
HSBC
View LinkedIn profileWinnie Yap is Managing Director and Head of Global Payments Solutions (GPS), Singapore.
In this role, Ms Yap is responsible for driving the growth and franchise value of HSBC’s Global Payments Solutions business in Singapore and across the region. Since her appointment in March 2021, she has led the development and execution of business strategy, delivering strong performance and commercialising market-leading digital payment solutions.
Ms Yap has over 20 years of banking experience across relationship management, transaction banking, and client management. She also actively engages with regulators and industry partners to advance digital transformation in this region. On a personal front, Ms Yap actively contributes to empowering female leadership and nurturing talents through various forums.
Ms Yap holds a Bachelor of Business Administration (Finance, Upper Class Honours) from the National University of Singapore.
Speaking At
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11:45am–1:15pmMon 16 NovPublic-Private RoundtableRoundtable Room 2Invite-Only
Accountability & Liability In Agentic Systems
Agentic Commerce: Pathways to Closing the Trust Gap
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Adeline KimGroup Country Manager, Regional Southeast Asia & SVP, Global Clients, Asia PacificVisa
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Amy LeeHead of Fintech HubBank of England
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Giuliano Benjamin ClarkHead of Product, Agentic PaymentsAmazon
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Ivan Mortimer-SchuttsGlobal Head of vLEIGlobal Legal Entity Identifier Foundation (GLEIF)
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Jeremy GoroHead of Financial Services Strategy & Partnerships, EMEAGoogle
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Jonah CraneHead of Global Regulatory & Policy StrategyStripe
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Louise JohnstonDigital Assets & Blockchain, Global PolicyMastercard
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Nicole SandlerChief Ecosystem OfficerUbyx Inc
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Venus LeungAPAC Business AML LeadBanking Circle
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Winnie YapManaging Director, Head of Global Payments Solutions SingaporeHSBC
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Simran SinghAI Lab LeadFinancial Conduct Authority (FCA)Moderator
About this session
Agentic commerce moved from feature to production in barely eighteen months - from AI-assisted purchasing in early 2025 to the first production-grade agentic transaction run on full banking rails in June 2026. But the infrastructure underneath is still fragmented: at least half a dozen competing protocols govern identity, authorization, and payment - and the platforms actually processing agent transactions haven't converged on any of them.
From the standards that can bind an agent to accountable identity, the platforms that process its transactions, and the frameworks that would assign liability when one goes wrong, this roundtable convenes financial institutions, payment processors, standard-setting bodies, and compliance and enforcement bodies to discuss what each party would need to adopt, require, or share to close the trust gap, and on what timeline.
The discussion will use concrete examples to test and refine trust principles for agentic commerce, including what evidence would demonstrate them in practice, what should be tested or benchmarked before an agent is trusted to transact, and what different actors would need to recognise across protocols and jurisdictions.
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