Jaya Kapur is a seasoned fintech product leader with over 12 years of experience driving innovation in digital payments. As VP of Product at Nium, she leads the end-to-end product strategy across a portfolio that includes the Instarem consumer remittance app, the award-winning Amaze travel card, and a cross-border Business Account. Her work has been instrumental in delivering faster, smarter, and more rewarding payment experiences for consumers and businesses worldwide. Prior to Instarem, Jaya held key roles at PayPal, where she led initiatives in crypto, stablecoins, and SMB payments across APAC and North America.