Arvind Kaushal is a technology leader with over 26 years of experience in banking, payments, digital transformation, and financial technology innovation. As Chief Technology Officer at PayNways Worldwide, he leads the strategy, architecture, and delivery of next-generation payment systems, digital banking platforms, fraud management solutions, and AI-powered financial technologies serving banks, financial institutions, and payment networks globally.

Throughout his career, Arvind has been instrumental in designing and implementing large-scale payment infrastructures supporting real-time payments, card processing, cross-border transactions, fraud prevention, and regulatory compliance. His work includes national payment switch implementations, high-volume transaction processing platforms, and digital banking modernization initiatives across multiple regions.