Vibhu is a global payments leader and PhD researcher in real-time payments, dedicated to making payments simpler, smarter, and more inclusive. With 20 years of payments experience across Citibank, Adyen, IKEA, Snapdeal, iPayLinks — and markets spanning India, China, Southeast Asia, Europe, and Australia— he brings a truly global perspective to the future of money. Vibhu is also the founder of PaymentsPedia.com, a knowledge hub where he shares insights on cards, crypto, cross-border flows, and real-time rails.📧 vibhu@paymentspedia.com | LinkedIn