Vibhu Arya

Vibhu is a doctoral researcher at the UTS Business School, University of Technology Sydney, focusing on the adoption of real-time payments (RTP). His research builds on more than 15 years of international leadership experience in payments and financial services across India, China, Singapore, Australia, NZ and the UK, giving him a comparative perspective on regulation, consumer behaviour and platform scalability in both emerging and mature markets. He holds a Master’s in Business Economics and a First-Class Bachelor’s in Commerce from the University of Delhi.