Mobility Payments Asia Pacific 2026

Introduction
Introduction to Mobility Payments Asia Pacific, theme, objectives, business, and technology areas to be discussed.
Greg Pote, Chairman, APSCA

Welcome Address from Ministry of Construction
An overview of Hanoi smart city development, transport network planning and transit operations management.
Le Thanh Tung, Director, Information Technology Centre, Ministry of Construction, Vietnam

Welcome Address from Visa
How open mobility payments and acceptance in Vietnam enable local and global payments interoperability.
Thanh Hoang, Head of Acceptance Solutions, Regional Southeast Asia, Visa

Building Interoperable Mobility for Asia's Urban Future
Asia-Pacific’s mobility ecosystem is expanding rapidly, with public transport projected to grow at approximately 8% CAGR through 2030 and supplementary mobility services at more than 11% per year. Yet mobility journeys across the region remain fragmented across transport operators, payment systems, and digital platforms. This session explores how integrating multimodal transport with interoperable open payments across NFC, QR, and account-based environments can help cities deliver more seamless, inclusive, and customer-centric mobility services.

• Ambition versus reality: Asian governments are investing in smart city transport, yet payment fragmentation persists across modes and operators. What are the obstacles preventing open, interoperable mobility payments from keeping pace?
• Government and policy: How should governments embed open payment interoperability requirements into transport infrastructure planning from the outset - rather than attempting to retrofit payment integration into systems already built around proprietary standards?
• NFC, QR, and multimodal acceptance: QR-based wallets dominate consumer payments across Asia while NFC dominates transit fare gates - yet few networks accept both seamlessly. How do operators design truly inclusive acceptance architectures without creating a two-tier payment system?
• From legacy to open systems: Asian operators are beginning to navigate the transition from stored-value cards toward open-loop account-based ticketing. What are best practises for managing the operational and political risks of migrating riders from trusted legacy systems?
• Role of technology providers: Smart city ticketing platforms must support multi-operator fare structures, real-time validation, and interoperability across NFC and QR rails simultaneously. How should technology providers structure platforms today to meet Asia's multimodal smart city demands?
• The Road Ahead: What lessons can Asia-Pacific learn from global transport payment developments, and where might the region establish its own leadership model around interoperable, customer-centric smart city mobility ecosystems?

Viewpoint 1: Hannah Keyes, Director, Global Urban Mobility, Go-to-Market enablement, Visa [~15min]
Viewpoint 2: Viswanathan Solaiyan, Vice President, Digital Mobility Solutions, MSI Global [~15min]
Viewpoint 3: Speaker to be advised [~15min]

Refreshments, Networking and Expo Viewing

Linking Digital ID to Seamless Transit Access
As Asia-Pacific governments accelerate digital identity adoption, transport stakeholders are exploring how identity-linked mobility services can deliver more seamless, secure, and inclusive passenger experiences. From smartphone credentials and chip-based IDs to biometric gate access and automated concession validation, the convergence of payments, mobility, and digital identity could reshape urban transport ecosystems. This session examines how transport authorities, identity agencies, and payments stakeholders can integrate authentication, fare collection, and mobility access to support smarter and more customer-centric cities.

• How can transport authorities integrate digital identity frameworks into mobility systems, and what operational benefits can identity-linked transport access deliver for passengers and operators?
• What role can smartphone credentials and chip-enabled national IDs play in simplifying fare payments, concession management, and passenger authentication across multimodal transport ecosystems?
• If transport operators adopt biometric authentication how can they balance convenience, automation, fraud reduction, and privacy while maintaining customer trust in identity-enabled mobility services?
• How can integrating identity and payments improve concession management for students, seniors, and eligible groups while reducing fraud, complexity, and operational inefficiencies in transport systems?
• What governance, interoperability, and security frameworks can support collaboration between transport authorities, payments operators, and identity agencies across smart city ecosystems?
• If transit networks link fare concessions to national digital credentials, how should operators manage the multi-token lifecycle across physical smartcards, smartphones, and biometric identifiers?
• Looking ahead, could digital identity become a foundational layer for MaaS platforms, enabling unified authentication, payments, and mobility access across transport, parking, tolling, and urban services?

Viewpoint 1: Le Bang An, CEO, Hanoi Metro [~15min]
Viewpoint 2: Ryota Nakanishi, Manager, Marketing Strategy Department, East Japan Railway Company [~15min]

Sessions 1 and 2 highlighted the potential benefits: open payments reduce friction across multimodal networks; digital identity can automate authentication and unlock targeted concessions. Both may be necessary, but what lies between them - and beyond them?

Road congestion costs Asian economies ~ 2–5% of GDP annually, yet public transport's share of urban trips is losing ground to private vehicles in many cities across the region. Payment integration and identity convergence alone will not reverse that trend. But could a joined-up ecosystem: where transport policy, commercial payment models, citizen services, and identity frameworks are designed together from the outset - not bolted together after the fact - offer an effective long-term roadmap?

What does that joined-up ecosystem require, and who must take responsibility for delivering it? When a passenger's entire mobility experience - from bus to metro to last-mile service, paid and authenticated through a single credential - becomes possible, who governs it and who is accountable when it fails?

If seamless mobility is genuinely achievable, why are governments and transport operators still designing payments, identity, and transport infrastructure in separate procurement silos? And if the technology is ready, the commercial models are emerging, and the policy intent is there - what is stopping Asia Pacific's smart cities from delivering on the promise of joined-up mobility now?
Hannah Keyes, Visa
Viswanathan Solaiyan, MSI Global
Le Bang An, Hanoi Metro
Ryota Nakanishi, East Japan Railway Company
Shunichi Miyano, Lead Manager, Marketing Strategy Department, East Japan Railway Company
André Perchthaler, Head of Banking, Secure ID and MIFARE Segment, NXP Semiconductors
Greg Pote, APSCA

Lunch

Balancing Global Standards with Local Realities
As Asia-Pacific drives the global expansion of digital proximity payments, the region's transit networks face an infrastructure paradox. Unlike Western transit hubs that rely predominantly on open-loop EMV contactless cards and mobile NFC, the Asian landscape is structurally bifurcated. Global chip standards must actively coexist with deeply entrenched, locally preferred QR-code-based mobile wallets. Achieving this dual-track integration requires transit authorities to design a unified system capable of handling both low-latency offline token processing and cloud-dependent real-time QR clearing without degrading terminal throughput.

• As mobile wallets and QR payments dominate many Asian consumer payment environments, how should transport authorities balance global EMV contactless standards with local payment preferences and customer behaviour realities?
• What practical architecture and acceptance models can help transport operators support both NFC and QR payment environments without creating excessive operational complexity, customer confusion, or fragmented mobility experiences?
• How are transit authorities and payment operators approaching migration pathways from closed-loop ticketing toward more open, interoperable account-based payment ecosystems that support multiple payment rails simultaneously?
• What lessons can Asia-Pacific learn from global EMV transit deployments, and where do local market realities require different approaches to customer acceptance, fare collection, and mobility payment interoperability?
• While global EMV contactless specifications enable gate transaction processing times of under 400 milliseconds, how can transit operators prevent platform bottlenecking when processing cloud-dependent or network-latency-prone QR mobile wallets at peak hours?
• How can payment schemes, domestic payment operators, mobile wallet platforms, and transport stakeholders collaborate to create scalable open mobility payment frameworks that remain flexible as technologies and consumer preferences evolve?
• As cities increasingly pursue multimodal mobility platforms, what role will interoperable NFC and QR payment acceptance play in enabling more seamless customer journeys across transport, tolling, parking, and adjacent mobility services?

Viewpoint 1: Nguyen Dang Thang, General Director, VNPT Fintech [~15min]
Viewpoint 2: Chian-Leng Toh, Director, Business Development, Urban Mobility, Asia Pacific, Mastercard [~15min]
Viewpoint 3: Speaker to be advised [~15min]

Asia’s challenge: transit systems built for NFC operating in markets where QR dominates.
Transport ecosystems are rapidly evolving toward open mobility payments, but the region’s acceptance landscape remains fundamentally hybrid. While global transit models increasingly prioritise EMV contactless and NFC wallets, Asian consumers rely heavily on QR-based mobile payments and domestic wallet platforms for everyday payments. How can transport stakeholders support all major payment instruments without creating fragmented passenger journeys or operational complexity?

Will future mobility systems require unified acceptance architectures capable of handling both offline contactless and real-time QR transactions simultaneously? EMV contactless enables transaction processing times under 400 milliseconds; how can transit operators prevent platform bottlenecking when processing cloud-dependent or network-latency-prone QR mobile wallets at peak hours?

As hybrid acceptance scales, what commercial models will make them sustainable for operators who need to absorb the cost of multiple acceptance rails - while issuers and wallet providers capture the transaction revenue? Can global card schemes and domestic mobile wallet operators establish mutually beneficial commercial models that incentivise shared investment in open-loop transit hardware?

How can transit authorities balance global interoperability standards with local customer realities to ensure passengers can seamlessly pay for mobility services using whatever payment instruments they already use every day? And if interoperability across NFC and QR is achievable at the fare gate, what is the realistic timeline for it to extend across the full multimodal journey - from bus to metro to last-mile - without fracturing again at every modal boundary?

To support seamless multimodal journeys, how must transit back-offices evolve to orchestrate and normalise disparate transaction data streams coming from both NFC and QR rails? As new mobility payment technologies emerge, how can transport authorities design modular, account-based ticketing software layers that remain flexible enough to absorb next-generation proximity payment form factors without replacing existing gate hardware?

This discussion examines the roadmap toward more customer-centric, interoperable, and scalable mobility payment ecosystems across Asia-Pacific from the viewpoint of multi-rail acceptance.
Nguyen Dang Thang, VNPT Fintech
Chian-Leng Toh, Mastercard
Greg Pote, APSCA

Refreshments, Networking and Expo Viewing

From Mobility Apps to Integrated Platforms
The original Mobility-as-a-Service (MaaS) vision promised seamless access to urban transport through a single app and subscription. While many early MaaS ventures struggled, the concept has evolved into a platform-centric model built on interoperable payment, ticketing, identity, and mobility services. Account-based architectures, contactless EMV, and standardized QR ecosystems have accelerated this evolution. Alongside open-loop payments, modern closed-loop mobility platforms continue to provide scalability, resilience, and service integration beyond fare collection. Looking ahead, mobility platforms will combine payments, trusted digital credentials, and technologies such as Ultra-Wideband (UWB) to enable seamless travel experiences and connected mobility services. This session explores how MaaS is evolving into a trusted digital infrastructure layer for future mobility and smart-city services.

• Evolution of MaaS: Why has MaaS evolved from trip planners and transport extensions into platform-centric mobility ecosystems, and could it ultimately become a foundational orchestration layer for citizen-centric smart city services?
• Role of open payments and account-based architectures: What role have the rapid expansion of account-based ticketing and open mobility payments - contactless EMV and standardised QR networks - played in accelerating the commercial and operational evolution toward MaaS 2.0 platforms?
• Platform architecture: How are API-driven platform architectures changing MaaS deployment models, and what opportunities do they create for integrating mobility services into broader digital identity and smart city infrastructure ecosystems?
• Interoperability and integration: As MaaS platforms integrate public transport, shared mobility, micromobility, parking, and EV charging, which integration layers, interoperability standards, and governance frameworks are needed to deliver genuinely seamless customer journeys rather than disconnected services?
• Trusted platforms and credentials: Can MaaS 2.0 succeed without trusted mobility platforms and credentials that manage entitlements, concessions, loyalty, multimodal access rights, and secure access across transport, mobility, and wider urban services?
• Procurement, funding, and institutional responsibility: MaaS 2.0 is increasingly described as smart city infrastructure rather than a consumer product. But infrastructure is procured, funded, and governed by governments, not simply assembled by technology companies. Who builds and pays for MaaS 2.0?
• Future role of MaaS in smart cities: As Asian cities develop integrated urban mobility strategies, could MaaS evolve beyond transport coordination to become a foundational orchestration layer for future citizen-centric smart city services?

Viewpoint 1: Nguyen Dang Thang, General Director, VNPT Fintech [~15min]
Viewpoint 2: André Perchthaler, Head of Banking, Secure ID and MIFARE Segment, NXP Semiconductors [~15min]
Viewpoint 3: Speaker to be advised [~15min]

The future direction and governance models for MaaS in Asia
The emerging Mobility-as-a-Service (MaaS) 2.0 paradigm marks a fundamental divergence in how digital transport ecosystems are designed, funded, and scaled. While European models remain predominantly policy-driven, public-transit-centric frameworks governed by strict municipal open-data mandates, the Asia-Pacific landscape is evolving along a higher-velocity, market-led trajectory.

Asia’s approach shifts the focus away from legacy ticket integration toward open payments, national QR networks, real-time data, and account-based mobility access. Europe largely treated MaaS as a public transport coordination challenge. Asia is evolving differently: MaaS increasingly emerges from mobile wallets, super-app ecosystems, digital commerce platforms, and open payment infrastructures already embedded into consumers’ daily lives.

But if MaaS 2.0 becomes a platform layer connecting transport, payments, identity, and city services, who governs that platform - governments, transit authorities, banks, wallet ecosystems, or technology providers? And if MaaS is increasingly driven by private-sector platforms, can that model align with government smart city objectives, particularly those linked to digital identity, urban mobility policy, and citizen services?

Can cities deliver seamless multimodal mobility without creating fragmented commercial ecosystems competing for ownership of the customer relationship? As account-based mobility, APIs, and real-time payment infrastructures mature, could MaaS evolve beyond transport integration into foundational smart city infrastructure supporting broader citizen services, sustainability goals, and urban policy outcomes across Asia-Pacific?

This discussion will explore the different paths MaaS may take by comparing policy-led and market-driven deployment models, including platform governance, stakeholder alignment, commercial incentives, and the integration of multimodal transport services into unified customer-centric mobility experiences.
Nguyen Dang Thang, VNPT Fintech
André Perchthaler, NXP Semiconductors
Greg Pote, APSCA

Close of day 1

Introduction to day two
A recap of day 1 discussions and introduction to day 2 conference sessions and objectives.
Greg Pote, Chairman, APSCA

Connecting Mobility Transactions to the Wider Payments Economy
Public transport is quietly becoming one of the world's largest merchant categories. As transit networks transition from closed-loop fare systems to open-loop acceptance, they are connecting to regional and global payments infrastructure - creating a fundamentally new acquiring landscape. But the commercial model underneath that transition remains unclear: interchange fees, scheme/network costs, and acquirer margins designed for retail environments sit awkwardly against the economics of mass transit. This session examines who pays what, who carries the risks, and how to win in the new transit acquiring ecosystem.

• What unique fraud, risk, and transaction processing challenges distinguish mobility payments from traditional retail acquiring, and how must new unified acquiring frameworks adapt to support high-volume transit environments?
• Transit operators are not typical merchants - they have fare capping, concession obligations, and regulatory pricing constraints, among many other unique challenges. How much of that complexity disappears when they outsource acquiring?
• To keep processing fees sustainable on low-value transit fares, what optimised transaction aggregation architectures should payment processors employ to combine multiple daily journeys into a single clearing settlement?
• Mass transit requires instant gate throughput before transaction authorisation; how can new merchant acquirers effectively manage the balance-sheet risk of first-ride payment defaults and collecting unpaid commuter debt?
• As open-loop infrastructure opens transit networks to external payment rails, what new fraud vectors are transport operators likely to see at the gate/validator, and how can tokenisation protocols neutralise these vulnerabilities?
• In multi-operator smart cities, should transit authorities establish a centralised "master acquirer" framework, or should they permit individual transport modes to negotiate separate processing partnerships?
• As Mobility-as-a-Service platforms continue evolving, what role could unified transit acquiring frameworks play in enabling seamless payments across transport, tolling, parking, EV charging, and adjacent urban mobility services?

Viewpoint 1: Takanori Ikuta, General Manager, Transit Business Planning Department, Sumitomo Mitsui Card Company [~15min]
Viewpoint 2: Nicholas Lee, Deputy Chief Executive Officer, SimplyGo [~15min]
Viewpoint 3: Michael Walters, Founder & CEO, tikpay [~15min]

The public transportation payment platform market is projected to grow from USD 1.1 billion in 2025 to USD 2.3 billion by 2035 at 7.8% CAGR, with Asia Pacific representing the strongest growth territory. Yet that growth is occurring across fragmented rails - card networks, national QR standards, and real-time account-to-account systems - that no single acquiring framework currently spans.

Public transport is entering a new acquiring era as open-loop acceptance moves transit beyond legacy fare systems and into the wider payments ecosystem. For banks, acquirers, fintechs, and retail payment providers, the opportunity is clear - but so are the demands: transit-specific fraud controls, instant gate throughput, fare capping, concession complexity, and commercial models, especially interchange fees and network costs, that still work in high-volume, micro-fare environments.

In Asia, this is complicated further by transactions - at transit gates, bus validators or the new mobility providers - that increasingly run through mobile QR wallets and real-time account-to-account rails using hybrid NFC. This is reshaping the economics of acceptance again. How should a unified acquiring system adapt when future mobility payments increasingly flow through QR rails, domestic account-to-account systems, and hybrid NFC environments rather than traditional card networks alone?

How can the industry collaborate to engineer unified acquiring frameworks that remain structurally profitable on low-to-zero interchange rails, while simultaneously absorbing the operational, fraud, and credit risks unique to high-throughput transit environments, thereby delivering a truly customer-centric ecosystem where citizens can tap/scan any daily financial instrument?

If unified acquiring frameworks for all categories of Asian mobility payments are genuinely achievable, then what do their governance structures look like? Will they be operated purely by financial institutions, by financial and transit acquiring paytechs, or will there be involvement from transit authorities and even government? Or something that has not existed before in payments acquiring?

This discussion will explore how transport and payments stakeholders can design unified frameworks that are scalable, inclusive, and commercially sustainable - while keeping the passenger experience simple, seamless, and customer-centric.
Takanori Ikuta, Sumitomo Mitsui Card Company
Nicholas Lee, SimplyGo
Michael Walters, tikpay
Greg Pote, APSCA

Refreshments, Networking and Expo Viewing

How Asia’s Super-Apps are Building the Successor to MaaS
Asia’s smartphone-led mobility platforms are reshaping urban transport by embedding MaaS-like ecosystems into super-apps and mobile wallets. These commercial models integrate payments, identity, and citizen services, supporting smart city outcomes while redefining mobility innovation. Session 6 explores whether these digital ecosystems represent the logical successor to MaaS, examining how platform-driven mobility in Asia is advancing urban policy objectives and transforming the future of smart city mobility infrastructure.

• How have mobile wallets, super-app ecosystems, and embedded financial services reshaped the development of digital mobility platforms across Asia-Pacific differently from the policy-led MaaS models traditionally pursued in Europe?
• Could Asia’s commercial mobility ecosystems ultimately become the practical successor to traditional MaaS models by integrating transport, payments, loyalty, identity, commerce, and urban services within unified smartphone platforms?
• What role do open-loop NFC payments, standardised QR infrastructures, and account-based mobility systems play in enabling scalable, interoperable digital mobility ecosystems across fragmented urban transport environments?
• As transport increasingly becomes embedded within commercial digital ecosystems, how can governments and transit authorities ensure that public policy objectives around inclusion, interoperability, sustainability, and equitable mobility remain protected?
• How are digital identity credentials, mobility wallets, and real-time data platforms enabling deeper integration between transport access and adjacent services such as parking, tolling, EV charging, and citizen services?
• Most super-apps built their mobility ecosystems on ride-hailing or micro-mobility, not public transport: buses and metros are typically accessed through separate systems. How can commercial mobility platforms and public transit integration be integrated?
• Both commercial mobility platforms and public transport generate huge data on how people move through cities. How might that data be combined to improve planning of smart city infrastructure and manage congestion?
• If platform-led mobility ecosystems increasingly control the customer relationship, journey orchestration, and payment interface, what new governance, competition, and stakeholder alignment challenges could emerge for smart city mobility development?

Viewpoint 1: Takanori Ikuta, General Manager, Transit Business Planning Department, Sumitomo Mitsui Card Company [~15min]
Viewpoint 2: Ayusarita Satriani, Head of GoRide Strategy, Gojek [~15min]
Viewpoint 3: Sujith Nair, Co-Creator, Beckn Protocol; CEO, Beckn Labs; Co-Founder, NFH [~15min]

Leveraging super-apps and digital wallets for public policy outcomes
Session 6 established that Asia's commercial digital mobility platforms have built, through market forces, much of what MaaS policy frameworks spent a decade trying to mandate. This discussion explores what might come next - and who shapes it.

Across Asia-Pacific, mobility is increasingly shifting from a transport service into a smartphone-native digital ecosystem embedded within consumers’ daily lives. Mobile wallets, super-apps, QR payment platforms, and account-based mobility services are beginning to integrate transport access, payments, identity, parking, tolling, and adjacent urban services into unified customer interfaces.

This transformation mirrors the earlier evolution of Asia’s digital payments landscape, where mobile wallet ecosystems helped governments accelerate financial inclusion, low-cost merchant acceptance, and cashless consumer payments at national scale. Today, many of those same platforms are extending into mobility, positioning digital transport services as the next layer of connected urban infrastructure.

But if commercial mobility ecosystems become the primary gateway through which citizens access transport and related city services, who ultimately controls the customer relationship, mobility data, and digital infrastructure of future smart cities? (Who plays the role that central banks and regulators played in the digital payments and e-wallet analogy?)

Can governments harness platform-driven innovation to advance public policy objectives around inclusion, sustainability, and connected mobility without surrendering strategic control of urban mobility ecosystems? Or would it be more effective to use market forces and commercial organisations to drive the same smart city and urban objectives - under guidelines or regulation?

As digital mobility platforms accumulate journey data, payment data, and identity credentials at city or national scale, at what point does a commercial mobility ecosystem become public infrastructure in everything but legal status - and what governance framework does that demand?

And as open NFC and QR payment infrastructures mature, could these digital mobility platforms evolve into the practical successor to traditional MaaS models across Asia-Pacific?
Takanori Ikuta, Sumitomo Mitsui Card Company
Ayusarita Satriani, Gojek
Sujith Nair, Beckn Labs and NFH
Greg Pote, APSCA

Lunch

Integrating Tolling, Parking, EV Charging, and In-Vehicle Commerce
Private transport is becoming an important frontier for mobility payments across Asia-Pacific. As connected vehicles, digital tolling, EV charging, parking platforms, and in-vehicle commerce ecosystems expand, mobility payments are evolving beyond public transport into broader driver-centric mobility services. This session explores how open payments, interoperable NFC and QR acceptance, account-based mobility, smartphone ecosystems, and digital identity frameworks are reshaping connected driver services - and asks whether Asia can avoid creating yet another fragmented mobility payments environment as private and public mobility ecosystems converge.

• Transit took a decade to align regulators, operators, and passengers around open-loop payments. EV charging is at the same inflection point - but with more competing interests. Is the industry about to repeat those mistakes?
• A driver crossing an Asian city might use four separate payment systems for tolling, parking, EV charging, and congestion fees. None communicate. Who is accountable for that fragmentation - and who has the incentive to fix it?
• The same open payments playbook that transformed transit is now being applied to EV charging through a 2025 EMV and ISO 15118 alignment initiative. Will it work in Asia Pacific's fragmented regulatory and wallet environment?
• The connected driver economy would benefit from a single credential or payment instrument - card, wallet, or vehicle identity - to unlock tolling, parking, EV charging, and in-vehicle commerce across entire journeys. Which is it likely to be?
• How can smart parking operators and congestion charging authorities leverage regional digital identity registries to automate vehicle-specific concessions, electric vehicle parking incentives, or localised clean-air zone exemptions?
• As cities replace legacy RFID tags with active vehicle-to-infrastructure (V2I) communication, will clearing networks need to reduce payment processing latency to settle tolling and dynamic congestion charges in real time?

Viewpoint 1: Hannah Keyes, Director, Global Urban Mobility, Go-to-Market enablement, Visa [~15min]
Viewpoint 2: Ha Nguyen, Marketing Lead & Account Manager, e-Mobility Business Services, Voltality [~15min]
Viewpoint 3: Speaker to be advised [~15min]

The commercial will, technical standards, and governance structures to resolve fragmentation.
The global in-vehicle payment services market is growing at 26.9% annually through 2035, yet the payment experience across tolling, parking, EV charging, and in-vehicle commerce remains as fragmented as public transport payments were a decade ago - before open standards, account-based frameworks, and interoperability mandates began to change the picture.

Making EV charging payments open loop is now described as a critical first step to achieving real interoperability and ubiquitous access for drivers - the same argument made for transit payments over 10 years ago. If the connected driver ecosystem needs interoperability, then who builds it, who governs it, and can Asia compress a decade of transit lessons into a faster, less painful path?

The thread running through MPAP2026 - from transit open payments to digital identity to MaaS platforms to connected driver services - converges here. All of it points toward the same unresolved question the following Roundtable will carry forward: what does mobility interoperability require across the full passenger and driver journey, and which institutions can deliver it?

Three further questions for this panel:

If the connected driver payments ecosystem follows the same open standards trajectory as transit, who plays the role that transit authorities played - mandating acceptance, setting interoperability requirements, and protecting the passenger?

As tolling, EV charging, and in-vehicle commerce generate granular driver behaviour data across Asian cities, what governance framework prevents that data from being used in ways drivers have not consented to and governments have not anticipated?

And if a single credential unlocking public transit, tolling, parking, and EV charging is genuinely achievable, which institution - government, payment scheme, platform, or vehicle manufacturer - is best positioned to issue it, and on whose terms?
Hannah Keyes, Visa
Ha Nguyen, Voltality
Speaker to be advised
Nicholas Lee, SimplyGo
Greg Pote, APSCA

Refreshments, Networking and Expo Viewing

An Executive Industry Roundtable with Transport Payments Experts

Two days of discussion have mapped the territory. Open payments are transforming transit. Digital identity is converging with mobility access. MaaS platforms are evolving from consumer apps into potential smart city infrastructure. Connected driver services are generating a new payments ecosystem that is as fragmented as public transport payments were a decade ago. The Asia Pacific mobility-as-a-service market - valued at USD 211.6 billion in 2024 and growing7 at 10.2% annually - is urbanising faster than the governance and interoperability frameworks needed to hold it together.

The challenge that has run beneath every session at MPAP2026 is the same one this roundtable will address directly: mobility services only succeed when they are widely adopted, and wide adoption requires that they are easy to access and use, which requires interoperability. Not interoperability as an aspiration - but as a designed, governed, and commercially sustainable reality across transit, identity, platforms, and connected driver services. This roundtable asks who builds that, who governs it, and who is accountable when it falls short?

1. What does mobility interoperability mean in practice - and is there a shared definition across government, transport, and payments stakeholders in Asia Pacific?
2. Is there an institution that is best positioned to mandate interoperability across mobility modes - government regulator, transport authority, payment scheme, or industry body?
3. Open standards have driven interoperability in transit payments - can the same approach work across MaaS platforms, digital identity, and connected driver services?
4. Are procurement models the key to embedding interoperability requirements into mobility infrastructure from the outset, rather than retrofitting them later?
5. If commercial mobility platforms deliver interoperability faster than regulated frameworks, should governments follow the market - or shape it before the architecture is set?
6. What does success look like for integrated mobility payments across Asia Pacific by 2030 - and which organisations should take responsibility for delivering it?

How the Roundtable Will Work
The moderator will lead an open discussion with 10-12 senior government, transport, and payments leaders drawn from across the MPAP2026 speaker program and delegate community. Rather than presentations, participants will be invited to respond directly to each question and are invited to challenge one another's positions - the objective is to surface differences of opinion over problems that need to be solved, not manufactured consensus. The Roundtable will move through the questions in sequence, with the moderator drawing out specific perspectives from government, transit, payments, and technology participants as appropriate. The session will close with each participant invited to offer a single commitment or priority - one concrete action their organisation will take toward mobility interoperability - which will be included in the MPAP2026 closing remarks and post-event summary.
12 Participants

Final remarks
Summary of the conference discussions, next steps, upcoming APSCA mobility payments events in Asia.
Greg Pote, Chairman, APSCA

End of MPAP2026 conference