Arif Khan

Arif Khan is the Chief Product Officer at Kinexys Digital Payments @JPMorgan, where he leads the strategy, development, and commercialization of their next-generation payment, FX, programmability and liquidity solutions. He is a senior payments executive with 25+ years of experience leading transformations across treasury, liquidity, HVPS, cards, cross-border payments, and emerging digital money rails. His work focuses on building and scaling platforms that redefine how money moves, settles, and is orchestrated across the global financial system.

At Kinexys, Arif is leading the evolution of real time global money movement which includes programmable payments, digital  money, and blockchain-enabled settlement capabilities for institutional clients. He directs multidisciplinary teams across product, engineering, operations, risk, and client strategy to deliver secure, enterprise-grade solutions that integrate with existing banking infrastructure while advancing new models of value exchange. A defining aspect of his leadership is driving interoperability across platforms, ensuring fiat currencies and traditional payment rails connect seamlessly with next-generation digital networks. He is leading the creation of unified payment environments where legacy clearing systems, real-time payment schemes, and blockchain-based rails operate together, strengthening resilience while enabling programmability and intelligent settlement.

Arif leads with a client mindset, shaped by a career spent driving treasury transformation, liquidity innovation, and the modernization of global payment ecosystems. He has led initiatives spanning treasury services, liquidity orchestration, real-time and cross-border payments, and next-generation clearing and settlement models. He has championed API-first architectures, led multi-currency liquidity strategies, and driven the integration of distributed ledger technology into enterprise banking environments in ways that reinforce and extend the reach of fiat-based financial systems.

Throughout his career, Arif has led change at the intersection of business and technology. He has directed large-scale transitions from legacy payment infrastructure to modern, cloud-enabled and API-driven platforms while embedding strong governance, regulatory alignment, and operational resilience. He has led the design of interoperable payment ecosystems that connect correspondent banking rails with emerging digital networks, enabling institutions to operate with greater speed, transparency, and control over liquidity.

Before joining Kinexys, Arif held senior leadership roles at JPMorgan, HSBC, Visa, and Accenture, where he led global product teams and drove large-scale payments modernization across commercial payments, B2B, treasury services, and liquidity platforms. As Managing Director and Group Head of Product Incubation and Innovation at HSBC, he led the development of next-generation payment and tokenization capabilities and scaled new products across international markets. At Visa, he held senior leadership roles driving cross-border payments, FX solutions, and platform modernization initiatives. Earlier in his career at Accenture, he led Payments for Accenture advising leading financial institutions on payments transformation, core modernization, and operating model redesign, leading complex programs that reshaped how banks deliver RTGS, HVPS, treasury and transaction banking services.

As a product executive, Arif leads by translating complex market shifts into decisive strategy and execution. He drives the alignment of business, technology, and regulatory priorities to deliver scalable digital capabilities that are interoperable, secure, and commercially viable. His leadership brings together senior executives, regulators, and technology partners to define payment architectures that connect fiat infrastructure with programmable digital frameworks at scale.

Arif is a frequent speaker at industry forums, leadership summits, and executive roundtables, where he leads conversations on the future of commercial payments, treasury modernization, and the strategic importance of interoperability in digital finance. He speaks to how financial institutions must lead the convergence of traditional payment systems and next-generation platforms, ensuring integration, trust, and resilience as the industry evolves.

He holds an MBA from the George Washington University School of Business and is committed to developing the next generation of product and payments leaders. As a global executive he brings a perspective shaped by international markets, diverse teams, and a strong commitment to inclusion, mentorship, and community leadership.