APAC Insider Q2 2026 | 15 in blended MDR environments, transaction behaviour insights, card mix and scheme distribution visibility, and chargeback exposure profiling. The intent is to transform card acquiring from a static configuration into a continuously informed, data-supported capability — one that institutions can rely on and regulators can have confidence in. Beyond the platform itself, Kardal invests in building card payment knowledge across the institutions it works with — covering compliance requirements, scheme standards, and operational best practices. Cambodia’s card market is still developing, and the institutions entering it benefit from structured support alongside access to infrastructure. Building knowledgeable people is as important as building reliable systems. Ultimately, what Kardal stands for can be distilled simply: building card rails that are connected, certified, and trusted. Strong card infrastructure requires more than technology — it requires the right regulatory environment, the right institutional relationships, and a genuine commitment to doing things properly. Cambodia has the foundation, built in no small part by the NBC’s progressive and disciplined approach to financial sector development. Kardal’s role is to build carefully on it. It is in recognition of this platform, and the leadership driving it, that we are proud to present Kardal with the AI-Driven Unified Payments Platform Excellence Award 2026, and to name JP Gagnon the Payments Infrastructure Innovation CEO of the Year 2026 (Southeast Asia). Further information on JP is available via his LinkedIn profile here, and full details on Kardal can be found at the web address below. Contact: JP Gagnon Company: Kardal PLC Web Address: https://kardal.org/
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