Lawrence Ferrer, President and CEO of Bayad, the Philippines' leading payment platform, brings over 20 years of experience in digital payments and business development. Under his leadership, Bayad is transitioning into a full-service Fintech company, aiming to provide accessible financial solutions to millions of Filipinos, particularly the underserved. Known for pioneering innovations like Smart Money and PayMaya, Lawrence's contributions to the industry have garnered widespread recognition. His tenure as Vice President and Head of Value Added Services at Smart Communications, spanning 18 years, underscores his significant role in shaping the wireless consumer division. As President and CEO of CIS Bayad Center, Inc., Lawrence continues to drive the evolution of financial technology in the Philippines.