Bharat Melag
Product strategist at Visa focusing on agentic tokens, payments, and AI-driven commerce.
Bharat builds global product strategy for token provisioning and Scan-to-Pay at Visa. For over a decade, he has helped fintechs and merchants turn complex payment networks into actual results—like higher authorization rates and faster checkouts.
He has shipped contactless payment experiences across six markets and navigated major industry shifts like demonetization. Now, Bharat focuses on AI-driven commerce, exploring how digital agents act and pay for consumers. He recently unpacked security in this space in his talk on Defending at Machine Speed.