Cyrus Daruwala is a thought leader in Banking and Financial Markets domain in Asia and Chairman of ASEAN Fintech Forum. Previously, working as Managing Director of IDC Financial Insights Asia/Pacific, where led strategic advisory and research efforts across banking, insurance, and capital markets. With over 25 years of experience, he specializes in guiding institutions and regulators through enterprise-wide digital transformation by leveraging legacy modernization, cloud adoption, data analytics, AI, blockchain, fintech integration, and cybersecurity. Cyrus has worked across diverse markets, including Singapore, Hong Kong, Japan, Malaysia, Australia, and the UK, driving innovation in retail and consumer banking, insurance, and investment strategy. Cyrus is a speaker on digital transformation in financial services, open banking, cloud modernization, fintech evolution, mobile banking security, and ecosystem-driven growth