.svg)
Ntare Niyomugabo
Chief Technology Officer
RSwitch Limited
Ntare is a seasoned technologist with over 15 years of experience driving digital payment innovation across the banking and payments industry in Africa and the Middle East.
He is best known for spearheading the architecture, implementation, and management of eKash Rwanda’s transformative national digital payment system. His expertise also spans international payment card scheme certifications and the delivery of state-of-the-art payment infrastructure for high-profile institutions, including the Central Bank of Iraq (CBI), Société Monétique Tunisie (SMT), and the Banque de la République du Burundi.
As Strategic Technology Executive at RSwitch, Ntare leads the company's technological evolution and regional expansion. He brings deep expertise in payment systems design, banking operations, and large-scale project delivery to advance RSwitch’s mission of building secure, inclusive, and interoperable digital financial ecosystems.
Speaking at the summit
-
1:30–3:00pmSun 15 NovRoundtableRoundtable 1Open
Chaktomuk - Rails Across Borders
Making Cross-Border Payments Work: QR, Remittances and Trade Settlement
About this session
Cross-border payments fail in different ways depending on the use case. QR payments may work domestically but stop at the border. Remittances can remain expensive even where digital channels are widely available. Trade settlement can still pass through third-country currencies and correspondent banks despite growing commercial links between emerging markets. The roundtable breaks the corridor problem into these separate channels and identifies what prevents each one from working today. It examines standards for extending QR interoperability, where remittance costs can realistically be removed, and what conditions are required for local-currency trade settlement.
-
1:30–3:00pmMon 16 NovRoundtableRoundtable 1Open
Bakong - Sovereign Rails
Who Owns the Rails? Governance, Access and the Economics of Shared Infrastructure
About this session
Shared payment infrastructure creates value precisely because competitors use the same network, but that makes ownership and funding contentious. Banks may resist paying for infrastructure used by newer competitors. Fintechs may resist access terms controlled by incumbents. Governments may finance the network and still face pressure over unequal access or rising operating costs. Different markets have taken different approaches, including central-bank ownership, industry-owned switches and open-source infrastructure. The roundtable compares these models through three questions: who owns the rail, who gets access and on what terms, and who pays to maintain and upgrade it. It then examines how those choices change once infrastructure crosses borders and sovereignty becomes shared rather than purely national.
