Bharat Melag

Bharat leads global product strategy for token provisioning, agentic tokens, and Scan-to-Pay at Visa. Over a decade in payments, he has helped fintechs, wallets, PSPs and large merchants translate complex network rails into measurable outcomes — higher authorization rates, fewer false declines, and faster checkout. He has shipped tokenization, contactless and QR experiences across six markets, navigated demonetization and COVID-era adoption spikes, and now sits at the edge of AI-driven commerce, where agents act and pay on behalf of consumers.