Lawrence Ferrer is the Board Trustee of FinTech Alliance PH and the President and CEO of Bayad, the Philippines' largest multi-channel payment platform. Under his leadership, Bayad has transformed into a full-service fintech company, making financial services accessible, secure, and convenient for millions of Filipinos, particularly those underserved and unbanked. With over 20 years of experience in digital payments, business development, and product innovation, Lawrence has pioneered some of the Philippines' most game-changing financial services, including Smart Money, Smart Load, Smart Padala, and PayMaya solutions that have reshaped how Filipinos handle their finances. At Bayad, Lawrence has championed groundbreaking initiatives such as Bayad Asenso, which equips local businesses and Bayad Agents with the tools they need to foster financial inclusion and drive growth in their communities. He also spearheaded the development of Bayad's Real-Time Payment System, a transformative solution that delivers instant transaction processing, dramatically improving the speed and efficiency of payments for both consumers and businesses. With his leadership, Bayad now boasts over 400 billing and government institutions in its network and 130,000 physical touchpoints nationwide, ensuring financial services are within reach for Filipinos everywhere. In recognition of his visionary work, Lawrence was honored with the Master Innovator award at the 2024 Mansmith Innovation Awards, underscoring his unmatched contribution to advancing financial technology and inclusion in the Philippines.