The era of digital overlay services is upon us, and it couldn’t come at a better time. Digital overlay services are changing the payments industry landscape for the better, and it’s the new hot topic. Especially, as the payments industry is being more and more commoditized – we even see non-banks participating in the payments ecosystem. Digital overlay services have the opportunity to provide new revenue streams and increased customer loyalty for banks.

But what are digital overlay services? How can it help me? What does a digital overlay service look like?

  • Hear from John Burgos, VP of Business Development,  Mindgate as he discusses Digital Overlays Services and how it fits into in the current payment ecosystem.
  • Learn how you and your customers can benefit from Digital Overlay Services.
  • Experience a demo of VTransact a Digital Overlay platform, and see first-hand how impactful and beneficial these overlay services really are to the business.

John Burgos

VP, Business Development North America

A payments business executive with a focus in the financial services, with expertise in the following domains: banking, technical, and business development. John has over 10 years of payments experience working with various global banks and another 15+ years at various FinTech companies. John has held various technical positions, including business analyst, project manager, solutions architect and business development roles at Volante, and BottomLine. Having such a diverse perspective, has helped John become an invaluable resource to his customers.


Karthik R Kannan

Vice President- Business Development and Pre-sales, APAC

A payments domain specialist with over 21 years of experience in building, managing and scaling business verticals in the field of Electronic Payments, Banking and Financial Services. Over the years he has handled varied responsibilities including Sales, Account Management, Presales and P&L Management. He carries a rich domain knowledge in Payments, especially around EFT Switching, Debit/ Prepaid Issuance, Reconciliation and Processing.


Krishnadas Karuparambil

Deputy Vice President, APAC

Over 20 years of experience, working with various banks on enabling the corporate payments, collections, building customised solutions for banks to meet regulatory requirements from government departments on pay-outs (G2P) and tax receipts (P2G). He is also a Subject Matter Expert in Transaction Banking; Corporate Payments & Collections, Government Payments & Tax Collections. Involved in solution definition for various specialised business requirements for corporates and BFSI sector.