Chris Skinner

Chris Skinner is an independent commentator on the financial markets through the Finanser, and chair of the European networking forum the Financial Services Club, which he founded in 2004. He is an author of numerous books covering everything from European regulations in banking through to the credit crisis, to the future of banking.

Brett King

Brett King is a four times bestselling author, a renowned futurist and keynote speaker, the host of the Breaking Banks radio show/podcast and the founder/CEO of Moven. His latest book 'Breaking Banks' debuted in the top 3 on Amazon's Bestseller's list in the US, France, Canada, Germany and Australia. 'Bank 3.0', his previous book, was released in 8 languages and ranked as a finance bestseller in 19 countries.

Mike Townsend

Mike Townsend started his career working as a design engineer at Brookstone in Singapore, then as a mechanical engineer at ITT Corporation in Los Angeles, designing radar systems for military grade UAVs. He is the founder of ZingCheckout and Flowtab, and remains very active in the payment industry.

John Best

John Best, CEO of Best Innovation group, is recognized as a thought leader and visionary of technology advancements and financial application development within the credit union industry. He is the founder of the BIG Podcast.

Shaun Weston

Shaun Weston is Senior Editor of BankNXT and Backbase, and a creative content provider specialising in digital projects, marketing and social media. He has worked with businesses that focus on editorial strategy for online or print, consumer or B2B, and his work includes The Economist, SAS, Oracle, Future Publishing, and Backbase.

Jessica Ellerm

Jessica Ellerm is CEO and co-founder at Australian fintech startup Zuper Superannuation. She's also a fintech commentator, blogging at her own website ( and guest posting for BankNXT. In addition, she writes for the fintech blog Daily Fintech Advisers, specialising in small business banking. Prior to Zuper, Jessica spent 6+ years at payments company and small business startup bank Tyro. Jessica is a contributor to Brett King's Breaking Banks, and has freelanced as a finance news journalist for Australia's leading online markets channel Finance News Network.

Mike Lawson

Mike Lawson is host of an online video interview show focusing on innovators and success stories within the credit union industry. His background is in teaching, marketing and communications, and includes roles as editor and reporter.

Will Beeson

Will Beeson is head of operations & innovation at Civilised Bank. After working across banking, investments and financial services in the US and Europe, he settled in London. He specialises in banking and fintech, and advises a number of fintech accelerators and startups.

Dave Birch

David GW Birch is an author, adviser and commentator on digital financial services. He is Global Ambassador for Consult Hyperion (the secure electronic transactions consultancy that he helped to found), Technology Fellow at the Centre for the Study of Financial Innovation (the London-based think tank) and a Visiting Professor at the University of Surrey Business School. He is an internationally recognised thought leader in digital identity and digital money, and was named one of the global top 15 favourite sources of business information by Wired magazine.

Duena Blomstrom

Duena Blomstrom is an independent digital banking consultant, an entrepreneur and VC, a mentor for Startupbootcamp and Techstars, an uncomfortably opinionated blogger, and a public speaker at industry events.

Phil Siarri

Phil Siarri is an innovation management professional and fintech observer. He has been selected as one of Canada’s top 40 social influencers in finance, innovation and risk by Thomson Reuters, as well as top 50 fintech influencers in Montreal by FinFusion.

Zack Miller

Zack Miller is founder of Tearsheet (formerly Tradestreaming), a vertical media company focused on the digital finance and fintech industries. Zack has worked with and consulted to many top venture-backed fintech companies, including Lending Club, Behalf, SigFig, OurCrowd and Seeking Alpha.

Devie Mohan

Devie Mohan is a fintech industry adviser and analyst based in London. She is the co-founder and CEO of Burnmark, a fintech research company, and is a panel member on the ING group Think Forward initiative on better financial decision making. Devie is actively involved in the fintech community and has been listed in CityAM's Top 10 Fintech Powerlist, and in Innotribe's Fintech Power Women list.

JP Nicols

JP Nicols has been internationally recognized as a leading voice for innovation, strategy and leadership, and his work has been featured in some of the industry’s top publications and conferences.A former senior bank executive, he is Managing Director of the FinTech Forge, and founder of the Bank Innovators Council which is now a part of Next Money, a global community committed to reinventing financial services through design, innovation and entrepreneurship.


11:FS is a "digital transformation agency" that believes banking should be about more than selling financial products. It is co-founded by David Brear, Jason Bates, Ross Methven, Meaghan Johnson and Simon Taylor. 11:FS produces FinTech Insider, and provides services such as 11:FS Pulse, 11:FS Ventures and 11:FS Talks.

Bernard Lunn

Bernard Lunn is a serial entrepreneur who used to work for fintech companies such as Misys and Temenos. He has done turnarounds and startups in America, Asia and Europe. He lives in Switzerland and works as an adviser connecting banks, funds and strategics to fintech innovation globally. As part of the research for this, he is Founding Editor of Daily Fintech and provides mentoring to startups.

Daoud Fakhri

Daoud Fakhri is a senior analyst at GlobalData, specialising in issues related to the retail banking sector. He is well-versed in subjects ranging from the prospects for new and non-traditional entrants in the sector, to the future of branch banking, developments in online and mobile banking, and the issue of consumer trust.

Faisal Khan

Faisal Khan specialises in cross-border money transfer and payment systems as a payments consultant and evangelist for digital money. He is a regular contributor to the Around the Coin podcast.

Leda Glyptis

Leda Glyptis is a lapsed academic and long-term resident of the banking ecosystem, inhabiting both startups and banks over the years. She leads, writes on, lives and breathes transformation and digital disruption. She is a roaming banker and all-weather geek. All opinions her own. You can't have them.

Resham Karira

Resham Karira is a retail banking analyst at GlobalData. She looks at current trends and how different factors such as innovative products and services, technological development, and forecasting and meeting consumer demands, interplay with each other to create a winning proposition for a bank.

Thomas McCourtie

Thomas McCourtie is an analyst within the general insurance team at GlobalData Financial. He has a fintech background, and focuses on the commercial insurance sector and the growing influence of automated product distribution platforms.

Oliver Bussmann

Oliver Bussmann has a reputation as a technology thought leader and driver of large-scale transformation at global organisations in the financial services and hi-tech industries. As group chief information officer of UBS, he successfully led a major IT transformation effort, instituted a new IT innovation framework, and established UBS as a pioneer in the development of blockchain for use in financial services. Prior to this, Oliver was global chief information officer at SAP for four years, and was CIO for North America & Mexico at Allianz. Previous roles include executive positions at Deutsche Bank and IBM.

Arnie Cho

Annie Cho is a senior analyst at GlobalData, specialising in APAC payments and retail banking.

Rick Huckstep

Rick is a sales expert with a passion for working with tech startups, digital disruption and the consumerization of technology. He has a background of 35 years' corporate experience in sales, management and operations, and over a decade of experience selling technology solutions into the insurance and banking sectors in the UK, Europe, US and Asia.

Zilvinas Bareisis

Zilvinas Bareisis is a senior analyst with Celent's Banking practice and is based in the firm's London office. His research focus is on retail payments, including cards, ecommerce, and mobile payments.

Jim Bruene

After developing the first major PFM-based online banking program at US Bancorp in the early 1990s, Jim Bruene went on to found two companies in the space: Online Banking Report and the Finovate conference series. He has been writing and geeking out on digital financial services nearly every day for more than 20 years and is currently Principal of BUX Advisors, a fintech UX/UI consultancy, as well as continuing to help guide content at Finovate events.

Samuel Murrant

Sam Murrant is a senior consumer payments analyst with GlobalData. His main interests lie in the development of new technologies and their applications in the competitive payments market.

Daniel Gusev

Daniel Gusev describes himself as a payments geek, innovation practitioner, and startup amateur. He is the founder of FinFit, co-founder of, and a mentor for Startupbootcamp FinTech.

Gareth Lodge

Gareth Lodge is a senior analyst with Celent’s Banking practice and is based in the firm's London office. His research focuses on payments.

George Samman

George Samman is the former CMO of Fuzo, which is using blockchain to bring financial inclusion to the developing world. He is also committee chair of the Wall Street blockchain Alliance (WSBA) for blockchain and financial services. He co-founded, now magnr, a bitcoin trading platform, and is a former Wall Street senior portfolio manager and market strategist, as well as technical analyst.

Auke Douwe Veenstra

Auke Douwe Veenstra is an independent observer of financial markets and the fintech industry. He is head of Europe and South America at Cloud Lending Solutions, a SaaS lending platform provider. For more than 25 years, he worked in the retail financial services industry. He has a track record in business development, general management, and digital business strategy in executive roles at a range of financial services companies in the US, Mexico, and continental Europe.

Jelmer de Jong

Jelmer de Jong is VP Product Management at Backbase, a software company that produces a digital banking platform that delivers seamless customer experiences across multiple devices.

Patricia Hines

Patricia Hines is a senior analyst with Celent’s Banking practice. Her areas of research include global transaction services and wholesale banking, with emphasis on treasury and cash management, corporate banking delivery channels, and trade and supply chain finance, along with commercial and small business lending.


BankNXT offers a showcase of events and reviews for a number of industries, particularly financial services and financial technology.

Daniel Latimore

Daniel W Latimore, CFA, is the senior vice president of Celent’s banking practice and is based in the firm’s Boston office. Dan covers the banking ecosystem, digital and omni-channel banking, innovation, and core systems.

Bob Meara

Bob Meara is a senior analyst with Celent's banking practice. His research focuses on branch and ATM delivery channels, customer analytics, and check and cash payment processing technologies.

Daryl Wilkinson

Named in the 'Fintech Most Influential Power List' and recognised in the European Digital Financial Services 'Power 50' 2015, Daryl Wilkinson is a visionary, pioneering and highly dynamic innovator with technical prowess, business foresight and an outstanding track record leading strategy, planning, and operations at top level to achieve customer excellence, commercial goals and multi-billion pound profits for companies in the UK and internationally.

Bartosz Golba

Bartosz Golba is head of wealth management (interim) at GlobalData Financial Services. A former private banker himself, he's committed to understanding how wealth managers’ clients react to the industry’s changing environment.

Andrew Haslip

Andrew Haslip is head of content for Asia Pacific, GlobalData Financial Services. He is particularly interested in private banking, wealth management and mass affluent banking in Asia Pacific.

Kevin Moseri

Kevin Moseri is a marketing expert for the first-to-be-licensed E-Money institute in Germany, PayCenter GmbH. He has experience in developing online marketing campaigns, online & mobile product launches, and EU funding regulation. He is an active fintech blogger with interests in online banking, mobile banking, mobile payment, and insurance.

Roger Peverelli

Roger Peverelli is a partner at consultancy VODW, specializing in customer-focused strategies in financial services. He is also co-author of 'Reinventing Financial Services. What consumers expect from future banks and insurers'.

Stephen Greer

Stephen Greer is an analyst with Celent’s banking practice and is based in Madrid, Spain. His research focuses on retail banking trends, with an emphasis on digital channel technology.

Sean Harrison

Sean Harrison focuses on retail banking issues across a range of markets, and is passionate about understanding evolving consumer needs and what this means for the impending segmentation of the industry.

Alessandro Hatami

Alessandro Hatami is a corporate serial entrepreneur with a track record of delivering growth through digital at some of the world's most respected companies in the payments, banking and financial services industries.

Mircea Mihaescu

Dr Mircea Mihaescu is managing a $100 million fintech venture investment fund, investing worldwide in the most promising startups of the financial industry. He was a senior executive with Sberbank, IBM and Bank of Montreal, and has extensive entrepreneurial experience.

Matthew Applegate

Matthew Applegate is an MBA candidate at The Wharton School, and is content director for Wharton FinTech.

Bradley Leimer

Bradley Leimer is a thought leader and practitioner in the digital banking space, and head of innovation at Santander Bank. He writes and speaks about banking and technology trends, and advises several startups and key industry conferences in the financial and payments space.

Sam Maule

Sam Maule serves as head of digital/fintech at NTT Data. He is active in fintech circles and is widely considered one of the most knowledgeable voices in fintech.

Stewart McEwan

Stewart McEwan is head of content at GlobalData, specialising in UK general insurance. He is particularly interested in the new challenges the market faces in an online 'big data' world and growth in the innovative ideas, approaches, and disruptive players that are setting the pace in the industry.

Jouk Pleiter

Jouk Pleiter is CEO and co-founder of Backbase, a software company that delivers digital solutions to financial services institutions around the world. Before Backbase, Jouk was president and co-founder of Tridion, one of the world’s leading WCM software vendors, later acquired by SDL and renamed SDL Tridion. He also co-founded Twinspark Consultancy, one of the first interactive web agencies in the Netherlands.

Chris Koeneman

Chris Koeneman is senior vice president at Mobi. He has extensive experience in developing go-to-market strategies for technology organisations, and has held leadership positions with AT&T, Intel and Cisco, among others, as well as innovative startups. Chris has led global teams focused on networking infrastructure, cloud services, and virtualisation solutions sold through OEMs, channel partners and direct, and has been part of two successful wireless acquisitions.

Sudhir Kesavan

Sudhir Kesavan heads the fintech team of vLendRight, a customer journey platform that enables banks to gain market share in auto finance. For the last 19 years, Sudhir has worked as a technology provider with banks and FIs in the US and Europe. He and his core team have worked in digital transformation for several years, focusing on innovation in banking using a methodology they call 'digital imagineering'.

Nicolae Bacila

Nicolae Bacila is an analyst on GlobalData's consumer payments team. He has professional experience in business research and analysis and has previously worked with Fortune 500 and FTSE 100 financial services clients. His interest in consumer payments lies particularly in the opportunities and challenges currently faced by developing markets.

Matteo Carbone

Matteo Carbone is an insurtech enthusiast, an insurance thought leader, and founder of the Observatory on Telematics, Connected Insurance and Innovation.

Louise Beaumont

Dr Louise Beaumont is a strategic adviser at SapientRazorfish and co-chair, techUK Open Bank Working Group. She creates markets, enables scale and drives growth, with a particular interest in the intersection between technology, financial services and the public sector. She has worked with blue chips, startups, investors and everything in between to grow companies and create value.

Jim Marous

Jim Marous is a financial industry strategist and publisher of the 'Retail Banking Strategies' section of The Financial Brand, as well as the 'Digital Banking Report'. He advises on customer experience, portfolio growth, innovation, marketing strategies, channel shift and digital transformation within the financial services industry.

Daniel McAuley

Daniel McAuley is a first-year MBA student at The Wharton School and a co-founder of Wharton FinTech.

Stephen Peters

Stephen Peters is director at Aluna Pte in Singapore, helping enterprises undertake payments innovation and transformation journeys. He is also VP business development at the ai Corporation. He believes the intersection of banking with AI, blockchain, cloud, data and mobile, coupled with worldwide regulatory initiatives to introduce faster payment schemes, will define the future of banking and financial services.

Alex Nechoroskovas

Alex Nechoroskovas is "an economist by education, growth hacker by trait, and entrepreneur by nature". He has worked in tech startups and global financial organisations, and blogs about all things innovation, fintech and startups at Fintech Summary. He is based in London and has been recognised as a global fintech influencer. In his spare time, Alex is a tech geek, footballer and travel enthusiast.

Rachel Morrissey

Rachel Morrissey is a storyteller and audio producer with production credits that include Breaking Banks with Brett King, the world's first radio show/podcast focused on fintech. She is also an actor, theater geek, eternal student, and a Dodger fan who always believes in next year.

Ian Anderson

Ian Anderson has a successful track record in building and growing businesses, often in challenging environments, with ‘first to market’ products across a number of sectors, including fintech, equities, corporate communications, and investor research. He is co-founder and COO of ArchOver, the fastest-growing P2B business lending platform in the UK, and author of Real Relations, Virtual World.

Yann Ranchere

I have been a consultant in the Financial Services industry with 5 years of experience in Banking, Wealth Management, Fund Industry, Securities Services. I have a strong international experience having worked in France, Luxembourg and the United States.

I am particularly interested in all innovations related to the financial services industry as I believe we are on the verge/at the beginning of a revolution for banks as web 2.0 innovation is starting to impact this sector.

John Doyle

John Doyle is an experienced strategy, product and business development executive in the payments industry. He is also operations director at The Card Issuing Business, and runs his own blog site Payments Blogger.

Ambreesh Khanna

Ambreesh Khanna is group vice president and general manager of Oracle Financial Services Analytical Applications (OFSAA). Prior to this, he was vice president, OFSAA Product Management, where he managed a global team of senior product managers responsible for the suite of applications. Prior to the Oracle acquisition of Sun Microsystems, Ambreesh managed Sun's North America Financial Services Sales and was the global director of the Industry, Partners and Architecture team.

Ron Shevlin

Ron Shevlin is director of research at Cornerstone Advisors, and a former senior analyst at Aite Group. He specializes in retail banking issues including sales and marketing technologies, customer and marketing analytics, loyalty management, P2P lending, personal financial management, social computing, online banking, customer experience and consumer behavior.

Periklis Thivaios

Periklis Thivaios is a partner at True North Partners. He has been involved in the launch, management and financing of startups in financial services, retail and hospitality. He also has extensive expertise in financial analytics, innovation and entrepreneurship, and international risk and regulation. Periklis is a frequent speaker at international banking, insurance and entrepreneurship conferences, a writer and a consultant.

James O'Neill

James M O'Neill is a senior analyst with Celent’s banking practice and is based in Chicago. His areas of expertise span all major channel and back office banking systems, particularly in corporate banking, systems architecture of legacy systems, and the impact of cloud computing.

Melanie Friedrichs

Melanie Friedrichs is a former analyst for Andera, and a 2012 Venture for America fellow. Areas of interest include banking and payments technology, entrepreneurship, financial regulation, monetary policy and access to financial services.

Glen Sarvady

Glen Sarvady is managing principal at 154 Advisors, as well as a frequent co-host of BIGcast with John Best for Big Innovation Group. He specialises in online payments, digital wallets, customer segmentation and consumer behaviour. He is also a frequent speaker at industry events, and a regularly published thought leader on payments topics.

Albert Morales

Albert Morales is channel partners manager at Strands, overseeing partnerships with major systems integrators, management consulting firms, technology providers and academic institutions.

Ron Ginn

Ron Ginn is CEO of and, and specialises in insurance and insurtech.

Vaishali Naroola

Vaishali Naroola is a consulting executive focused on technology and financial services. She has led business transformation and value creation projects for Wells Fargo, Bank of America, American Express and Apple. She holds an MBA in International Affairs from Thunderbird Global School of Management and a Graduate Certificate in Technology Management from La Trobe University, Australia.

Joan McGowan

Joan McGowan is a senior analyst with Celent's banking practice. Her research focus is on risk management, regulatory compliance, data security, and data analytics, with a concentration on disruptive technologies for risk transparency and data visualization.

Dimitri Anagnostopoulos

Dimitri Anagnostopoulos has over 14 years of specialist experience with large financial organisations, with projects across risk finance and strategy. Currently focusing on the intersection between financial services and emerging technology (fintech and insurtech). In parallel, he is assisting startup companies in developing their ideas (as a mentor at Startupbootcamp, Techstars and other global accelerators). Dimitri is also a speaker at global risk and technology conferences.

Tom Hay

Tom Hay is head of payments at Icon Solutions, and an IT architect specialising in large-scale, real-time payment systems. He has deep experience with financial institutions moving to next-generation payment systems. He draws on two decades of payments experience as head of architecture with one of Europe's largest clearing houses, and as CTO of a successful VC-backed company selling real-time payments products to international markets.

Nicole Douglas

Nicole Douglas is a wealth management analyst at GlobalData. She is passionate about business intelligence and the latest trends in wealth management. Key interests include developments in financial technology, regulation and investment migration.

Paolo Barbesino

Paolo Barbesino is a senior banking professional actively involved in crafting the digital strategy and experience for one of the Systemically Important Financial Institutions in Central & Eastern Europe. He works at the crossroads, where strategy, technology, and service design come together.

Jake Chambers

Recognized as a thought leader in strategy, insight and innovation, Jake Chambers has a proven ability to lead and deliver against operational and strategic goals. Focused on generating breakthrough results, Jake applies an approach that revitalizes large organizations by infusing them with agility and creative dynamics. Co-founder of Lab12 Innovation and outgoing head of insight & innovation at Nationwide Building Society.

Juan Pablo Luchetti

Juan Pablo Luchetti is consultancy director at the UK’s leading enterprise app consultancy and developer, Mubaloo.

Albert van den Broek

Albert van den Broek founded a company focusing on the development of an online platform for communication of employee benefits, being one of the first offering an online platform for the financial industry. Two years later, his company merged with Figlo, where he became CIO and member of the board.

Igor Dubovoy

Igor Dubovoy specializes in IT services, ecommerce, legal services in IT, and UI for financial software systems. He is the director and co-owner of SoftWear Finance.

Carron Oswald

Carron Oswald is a digital product consultant and writer based in San Francisco. She has managed new product and technology infrastructure for Wells Fargo, Restoration Hardware, Visa and Delphi Automotive in the US, Germany and The Netherlands. Carron earned a BA from San Francisco State University in Drama and an MBA from Thunderbird Global School of Management.

Jose Antonio Gallego

José Antonio Gallego is director at Sngular People Tools, and is former head of open innovation at BBVA. He specializes in fintech and talent management, and is an accomplished writer and speaker.

Alex Letts

Alex Letts is founder and Chief Unbanking Officer of U. His disruptive career has brought digital technology into the advertising industry, electronic trading into the Lloyd's of London insurance market and, now at U, a transformation of the retail banking current account model.

Dean Young

Dean Young is head of product management at eWise. He has more than 20 years’ experience in the financial services industry, initially with Westpac and most recently in global roles with international vendors. He is an expert in customer management, online & mobile strategies, and has worked extensively with retail banks globally.

John Davis

John is managing director of BCSG, a cloud services marketplace provider, and has unrivaled experience and understanding of what SMEs need to grow and how to deliver it to them. He joined from Barclays Bank in 2011, where he held various commercial roles before rising to the position of marketing & product director for Barclays Business.

Roberto Ferrari

Roberto Ferrari is general manager at CheBanca!, as well as chairman of the board of YellowFunds Sicav. He is described as a marketer, innovation builder, business developer, and digital transformer, and is regarded as one of the most influential people in European fintech.

Michael Weinreich

Michael Weinreich is CEO and president of Transcom, based in Sweden. He was previously a venture partner at FinLeap, a Berlin-based company builder specialised in fintech. Prior to this, Michael chaired Arvato Financial Solutions and developed an international full service financial BPO Player credited "industry leader" by several leading rating agencies. He is also one of the founding members of Startupbootcamp fintech in London.

Anne Boden

Anne Boden is CEO and founder of Starling Bank, recently named by The Sunday Times as one of the top 25 fintech startups in the world. Previously, Anne was COO of Allied Irish Banks, and head of EMEA, global transaction banking across 34 countries for RBS and ABN Amro. She began her career at Lloyds Bank, moved on to Standard Chartered Bank and then UBS in Zurich. In June 2010, Treasury and Risk Magazine named her as one of the 10 most influential figures in global finance.

Simon Taylor

Simon Taylor is co-founder and director of blockchain at 11:FS, and previously worked with Barclays and TSYS. He is a regular name on various fintech 'powerlists'.

Marc Barach

Marc Barach brings an accomplished track record of marketing, leadership and operational experience in the B2B and B2C internet technology sectors. He is chief strategy and marketing officer of Jumio, an Andreessen-Horowitz-funded company in the online and mobile payments space.

Cesar Richardson

Cesar J Richardson from Strands has more than 15 years' experience identifying business opportunities, implementing plans and generating revenue growth in investment banking technology, online travel and educational technology companies.

Gary Schwartz

Gary Schwartz is an author with Simon & Schuster, as well as SVP of Dealnet Capital, and founder of Impact Mobile. He has played a leadership role in the mobile industry, founding, investing and managing a number of companies in the health, marketing, social media, automotive and fintech verticals. Gary is author of 'The Impulse Economy' and 'Fast Shopper, Slow Store', and is writing a book on the Internet of Things called 'If Things Could Speak'.

Sasha Dobrolioubov

Sasha Dobrolioubov is a first-year MBA student at The Wharton School, and the VP education of Wharton FinTech.

Alessandro Longoni

Alessandro Longoni is a payment consultant at PaymentGenes in Amsterdam. He started at PayPal’s European HQ in Luxembourg, and moved to consulting roles, always specialising in payments and fintech. Alessandro is also part of Cashlessway, the European hub for e-payments, and organises the yearly #NoCashDay and #NoCashTrip events.

John Kottcamp

John Kottcamp helps companies get people to become and remain loyal customers. At Tahzoo, a digital marketing service provider, Kottcamp leads the marketing strategy practice that combines the mastery of technology, the insight of strategy, and the magic of digital creativity to provide clients with solutions for their complex customer experience management needs.

Karla Friede

Karla Friede is CEO, co-founder and member of the board of directors at Nvoicepay. She has 20 years' experience in management, finance and marketing roles in large and early stage companies. Prior to founding Nvoicepay, Friede was president and CEO of Zevez Corporation, VP of marketing for GeoTrust (acquired by Verisign in 2006), co-founder of The Ascent Group, director of marketing at Mentor Graphics, and part of the PBAS team at KPMG.

Gavin Payne

Gavin Payne is a seasoned executive leader with a track record of success delivering digital transformation in the financial, telco and travel verticals. As a digital evangelist, specialties include the convergence of digital, data, customer experience and technology. He is recognized as a leader in crafting and implementing omni-channel user engagement, with over 16 years' experience building and leading cutting-edge digital and technology efforts.

Bundeep Singh Rangar

Bundeep Singh Rangar has more than 18 years' combined experience in banking, consultancy, technology and media. He is the chairman of NanoStruck Technologies and CEO of PremFina. He has co-founded two corporate finance firms: IndusView, and a London-based investment and advisory firm focusing on internet and media sectors.

Guy Shone

Guy Shone is CEO of Explain the Market, a global economic research agency. He is a regular contributor to a diverse range of media brands, including BBC News, TRT World, BBC World, Euronews, Reuters and The Sun, Mirror and Metro. Previous roles include global head of research for Old Mutual PLC, and head of research at the Money Advice Service.

Kyle Ferguson

Kyle Ferguson is CEO of Fraedom and an executive board member of Hogg Robinson Group. He has many years of experience in the world of spend management, and has a hand in all aspects of the business, predominantly focused on strategic business planning and growth.

Conny Dorrestijn

Conny Dorrestijn has worked for over 20 years in marketing roles in the international financial services field. Key throughout her career is the customer experience, a theme she has developed throughout her career and as the Financial Services Associate Partner at the European Centre for the Experience and Transformation Economies.

Today Conny actively serves as Head of Corporate Marketing & Analyst Relations for Clear2Pay – a 1200 plus staff payments modernisation company of which she has been a part since its inception in 2002.

Robert Haslam

Robert Haslam is a senior consultant at Big Ideas Machine, a PR and marketing agency that loves all things mobile. He works with startup and early stage tech, mobile and app companies, particularly in emerging or disruptive sectors such as wearables and 3D printing. Robert was formerly PR manager at Mubaloo, an independent enterprise mobile consultancy and app development agency.

Josh Anish

Josh is Director of Content Marketing at CrushPath. Before he was part of Kabbage, CoverHound and QuinStreet where he served as Senior Managing Editor directing the content strategy of more than 100 proprietary sites. Prior to his time at QuinStreet, Josh was the Senior Editor at Knewton where he managed the content development and social media teams.

He spent the first of half of his career in academia, teaching creative writing and composition classes at Brooklyn College. He continues to analyze the writing progress of college students across the country for the RAND Corporation.

Josh earned a BA from Amherst College and an MFA in fiction writing from Brooklyn College.

Nick Cheetham

Nick Cheetham is MD at FINkit. At Sun Microsystems in the 80s, he helped pioneer the use of Open Systems and Client Server architectures. In the 90s, he expanded the market for Unix multiprocessor systems to displace minis and mainframes, while in the 2000s he led global sales for a high-growth private cloud startup founded by a former Goldman Sachs CTO. Before joining FINkit, Nick was leading digital marketing platform sales for Microsoft.

Bogdan Neagu

Bogdan Neagu is a digital transformation consultant at iBe TSE Ltd. He is passionate about strategy and technology and is especially interested in how these intersect. Prior to this role, Bogdan worked with the IT research and advisory firm Gartner, where he was responsible for business development in the emerging technologies segment across Scandinavia.

John Popeo

John Popeo is a principal at The Gallatin Group, a consulting firm that advises banks, investment firms, insurance companies, fintech firms and regtech companies on a range of complex transactional and regulatory matters. John spent nearly a decade in various roles at the Federal Reserve Bank of Boston and the Federal Deposit Insurance Corporation, where he played a role in responding to the 2008 global financial crisis, and developing regulations to implement the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.

Karen Licker

Karen Licker has worked on the front lines of the financial services industry for more than 20 years, using her expertise as a finserv writer, speaker and adviser to launch industry respected blogs, lead online marketing strategies and champion social media programs.

Chad Ritchie

Chad Ritchie has over 20 years' digital strategy expertise and has helped transform over 600 organizations in the digital space. He joined Solarity Credit Union in June 2015 as the VP of digital experience, to lead, architect and implement an organizational-wide digital strategy in order to create a simple, seamless banking experience for Solarity’s 50,000+ members.

Uday Seth

Uday Seth is an MBA Candidate at Wharton School of the University of Pennsylvania, and a contributor to Wharton FinTech.

Luis Rodriguez

Luis Rodriguez is VP Product at Strands, overseeing major program deliveries, and identifying and developing new client relationships, strategic markets and verticals.

Thomas Bostrøm Jørgensen

Serial entrepreneur Thomas Bostrøm Jørgensen joined Encap as CEO in May 2011, bringing more than 10 years' experience in building businesses across the mobile financial services, identity management and mobile application security sectors. Before this, Thomas was CEO at Luup, a pioneer in mobile payments and mobile money transfer for banks, and was VP of R&D at Force Group. He co-founded Voycast AS, a video-on-demand solution company.

Victoria Yasinetskaya

Victoria Yasinetskaya is a marketing director at Strands with 11+ years of experience executing marketing and strategy projects, mainly in financial services and fintech. She is co-author of the Russian edition of international bestseller 'Reinventing Financial Services'.

Tony Craddock

Tony Craddock is director general of the Emerging Payments Association (EPA) and a serial entrepreneur. He is passionate about helping companies succeed in fast-growing markets such as payments, and believes that being part of a community 'allows us all to be part of a powerful catalyst for growth and payments innovation'.

Tana Law

Tana Law is the co-founder and senior vice president of sales for Nvoicepay, a provider of B2B payment solutions for the enterprise.

Pau Velando

Pau Velando is in charge of channel partnerships management at Strands. The majority of his professional career was spent as a Big 4 management consultant between Barcelona and Tokyo. In 2009, he founded a company that develops software solutions to prevent fraud and money laundering. In addition to managing partnerships at Strands, Pau teaches finance at the UAB School of Business and Economics.

Toby Triebel

Toby Triebel is CEO and co-founder of multinational fintech company Spotcap. He has 10+ years' experience in the financial industry with Goldman Sachs and Finisterre Capital, and is an expert in fintech, emerging markets and alternative lending.

Amit Balooni

Amit Balooni is an entrepreneur, writer, adviser, trainer and ex-banker. He has learned his lessons in financial services with corporates such as HSBC, HDFC, ICICI, GE, Tata and his own startups. He closely follows banking, fintech, financial inclusion and policy, and loves reading, music, tennis and fitness.

Jeremy Pollack

Jeremy Pollack is a staff blogger for CallFire, a cloud-based voice and text platform. He is also the founder and editorial manager of Compelling Content Solutions, a copywriting and content marketing services company.

Max Speur

Max Speur leads sales, marketing, industry practices, pre-sales and client services functions at SunTec. Prior to this, he worked in HP (EDS) Enterprise Services and IBM in different leadership roles, and is the founder of advisory startup At10tion.

Chris Whitcombe

Chris Whitcombe is CTO Software Products at Backbase, responsible for the architecture and technology of Backbase, delivering software to some of the world's largest financial institutions. He is passionate about finding the balance between innovation and modern software approaches with the needs of one of the most highly regulated industries in the world.

Patricia Davies

Patricia Davies is head of insurance at GlobalData Financial. She is responsible for managing the insurance team and the GI and Life portfolio of products.

Adam Green

Adam is an accomplished, ambitious executive with extensive experience in Strategy, Management and Consulting/Advisory work. He is known as an innovator and visionary within Digital Strategy and Payments, particularly within the Financial Services industry and has developed successful concepts, processes and products that continue to thrive today. He has established himself as a niche participant in this space and is a featured writer and speaker on topics and trends within Financial Services.

Adam currently serves as a Principal Consultant in the Digital Practice at Capco, focusing on innovation, strategy and execution within Financial Services. He has spent 13 years managing digital products and platforms, payments, user experience and emerging technologies.

Guillaume Forget

Guillaume Forget joined Cryptomathic in 2005 and serves as product management director based in Munich, Germany. He also leads subsidiary operations. He is an evangelist in the eSignature and 'What You See Is You Sign' space, where he has co-authored a number of papers and patents. Prior to joining Cryptomathic, Guillaume worked as international business developer in the payment systems division of Groupe Bull - Atos.

Oscar Jofre

Oscar Jofre is founder, president and CEO of KoreConX, and an expert in fintech, regtech and equity crowdfunding. He is also the founder of The BabelFish Corporation, and is regarded as one of the world's most influential voices in blockchain and fintech.

Imran Majid

Imran Majid is deputy fintech lead at CCgroup and has worked in fintech PR for almost a decade. He has worked across capital markets, retail banking and payments for established institutions and startup challengers. As deputy stream lead at CCgroup’s fintech practice, he advises companies on how best to differentiate themselves and tell their story.

Paul Underwood

Paul Underwood is managing director and founder of Thames Card Technology.

Nick White

Nick White is senior vice president, group product marketing, at monitise. He's globally responsible for all aspects of product marketing and propositions development for clients and partners, including Santander, Visa, Mastercard and RBS group. He started his career with Barclays as a business and product development manager, responsible for a range of early web-based services including Barclaycard's first online account management services and BarclaySquare, the UK's first online shopping mall.

Wharton Fintech

Wharton Fintech was co-founded by Daniel McAuley and Steve Weiner while first-year MBA students at The Wharton School. It produces content via multiple contributors, interviewing "thought leaders, connecting innovators, academics and investors with the ideas and companies that are reinventing global financial services".

Damir Saracevic

Damir provides strategic leadership and technology consulting for Catalyst clients in his role as director of digital marketing. Originally from Sarajevo, Bosnia & Herzegovina, Damir was previously a cofounder/president of Auragen Communications, one of the leading interactive agencies in the Northeast. He holds an MBA from the William E. Simon Graduate School of Business at the University of Rochester. He will be a presenter at the 2013 American Banker Best Practices in Retail Banking Conference.

Min Fang

Min Fang is co-founder of Harper, a financial services firm built for the digital industry that company provides innovative working capital and liquidity solutions to digital startups, agencies, publishers, and creators. He is a contributor to the Wharton FinTech blog.

Robert Prigge

Robert E Prigge serves as Jumio's chief revenue officer, and leads the company's global sales, marketing, and sales operations initiatives. Robert has a track record in enterprise and startup companies across the software, security, and B2B space. Prior to Jumio, he was chief sales officer for Gartner Cool Vendor Infrascale, as well as chief commercial officer for Clean Power Finance. He also served as the VP of global sales & marketing for the Sterling Commerce Division of AT&T through it's $1.4bn acquisition by IBM, where he went on to run IBM's entire Business Solutions division in North America.

Felix Garcia

Felix Garcia is a software engineer with a strong background in mobile applications development (mainly on iOS), with more than 10 years of professional experience in that field. He is tech lead at Strands in Spain.

Oleg Seydak

Oleg Seydak is founder and CEO of Blackmoon Financial Group, a turnkey marketplace platform for alternative lenders. Before this, he was a co-founding partner of VC firm Flint Capital and a managing director of PE&VC fund Finam Global. As a venture capitalist, Oleg originated and facilitated more than 20 deals, six of them in the fintech sphere.

Cameron Peake

Cameron Peake is VP of marketing and a contributor at Wharton FinTech. She focuses on fintech and emerging markets.

Luke Griffiths

Luke Griffiths is general manager for Klarna UK. He has extensive international experience and a proven track record of success in building and growing businesses within corporate structures and early stage growth companies.

Shikko Nijland

Shikko Nijland is owner and managing partner of Innopay, an independent consultancy firm specializing in payments, e-identification and e-invoicing. Prior to this, he was partner at Accenture and was leading the corporate strategy practice. He has more than 15 years' experience in strategy and management consultancy.

Eric Moeller

Eric Moeller is the managing director of Copy Dojo, a UK-based marketing strategy and sales copywriting agency. Eric helps fintech startups reach more customers faster, and has worked with leading fintech companies such as Holvi, Currency Cloud, Zenbanx and many others.

Douwe Lycklama

Douwe Lycklama is owner and founder of Innopay, and a thought leader in payments, digital identity and B2B transactions. He has an extensive international network within leading public institutions such as European Central Bank, European Commission, European Banking Authority and Worldbank, and is a frequent public speaker.

Neil Davidson

Neil Davidson is the CEO of Coda Payments, a company that makes it easy for customers to pay for goods and services using their existing mobile accounts. Previously, he advised mobile operators in the developing world on the development and implementation of their mobile payment strategies as part of the Mobile Money for the Unbanked team at the GSM Association, the global industry association of mobile network operators. He has authored a number of articles about mobile money, including reference works on distribution, marketing, and strategic partnerships; spoken at numerous industry events; and engaged with both industry and financial authorities on inclusive payment systems regulation. Neil is based in Southeast Asia.

Kevin Burke

Kevin Burke is the general manager, international, for BCSG. He has spent more than 15 years in the technology and software-as a-service industries, with experience ranging from large companies such as Yahoo! to small companies he helped to establish and develop. His expertise is in helping SaaS applications achieve scale in distribution, having experience across a wide range of cloud applications such as and QuickBooks Online.

Leandro Gimeno

Leandro Gimeno is responsible for Strands business development in Latin America, including direct sales as well as creating an indirect revenue stream through partners.

Xavier Marcillac

Xavier Marcillac has more than 20 years' experience selling the business value of great technologies to the financial services industry, and is leading Strands' business development in the APAC region.

John Elliott

Dr John Elliott is principal consultant at Consult Hyperion, specialising in transaction technologies and systems.

Christy Gonzalez

Christy Gonzalez is an Accredited Payables Solution Consultant and currently vice president of sales, southeast region for Nvoicepay, a provider of B2B payment solutions for the enterprise. Prior to joining Nvoicepay, Christy held senior sales positions with Commerce Bancshares, where her focus was card programs in healthcare, education and the private sector.

Gordon Hui

Gordon Hui is VP of Strategy at Smart Design, and has more than a decade of experience in innovation consulting and strategy. He works with senior leaders in diverse industries to create new services, business models, capabilities and technology platforms by integrating human-centred design, business strategy and startup techniques.

Mark Mason

Mark Mason is the founder and CEO of Mubaloo, Europe's largest independent Enterprise App Development Agency & Mobile Strategist, with offices in London, Bristol and Munich, employing over 60 people.

Tom Robinson

Dr Tom Robinson has responsibility for operations, finance and compliance at Elliptic. A founding board member of the UK Digital Currency Association, Tom has advised government and regulators on digital currencies. He previously worked for a leading global consultancy and an intellectual property business investing in technology companies before becoming chief executive of MOF Technologies.

Jürg Müller

Jürg Müller is co-author of 'The End of Banking: Money, Credit, and the Digital Revolution'.

Conrad Ford

Conrad Ford is chief executive of London-based Funding Options, and previously worked in the group strategy team of Barclays. Funding Options recently released a research-based white paper called 'Small business finance: Life after the business overdraft'.

Richard Cashdan

Richard Cashdan has worked at several well-known International ad agencies and companies throughout North America and Europe. A marketing writer with a strong interest in banking and finance, Richard is always on the lookout for exciting new trends that will affect the future of banking.

Tom Davies

Tom Davies is head of strategic partnerships at BCSG, a cloud services marketplace provider.

Mike Gardner

Mike Gardner is CEO of Agreement Express, a customer onboarding platform for the financial services industry. As a 20-year veteran of the software industry, Mike has evolved Agreement Express into a platform trusted by top institutions such as National Bank of Canada, Global Payments, Questrade, M&T Bank, and many more.

Joost Reijnen

Joost Reijnen is a product manager at Backbase, and a tribe lead. His background includes product management and development in technology and innovations with companies such as Rabobank and Bell ID, and mentorship for Startupbootcamp.

Ronald Kleverlaan

Ronald Kleverlaan is founder of CrowdfundingHub, the European Expertise Centre for Alternative and Community Finance. He is also a senior adviser for the European Commission on alternative finance, co-founder of the European Crowdfunding Network, and member of the advisory board of several leading international crowdfunding platforms and associations in Europe, China, Africa and the US.

Anna Bennett

Anna Bennett has more than 20 years' experience of working in the technology sector. She has worked for Monitise for the last three and a half years, and is head of partners, responsible for defining and executing Monitise's partner strategy, selecting the right mix of partners to provide a coherent and comprehensive suite of solutions for Monitise's retail banking clients. Anna's work was recognised by Innovate Finance who named her on its 'Women in Fintech Power List 2016'.

Alex Grinberg

Alex Grinberg is founder and head of business development at eWise. He started his career in law and technology as senior legal counsel at IBM and Oracle, and founded eWise in 2000. He was CEO until 2011, during which time he led the company’s growth across the US, Europe and Asia Pacific.

Josh Brayman

Josh Brayman is a freelance software developer and startup consultant. He has worked as a front-office banker at Morgan Stanley and RBS in their structured and leveraged credit businesses. His development work spans a range of desktop and web technologies. He works with banks, accountancies and law firms, as well as startups in fintech, media, travel, and retail.

James Allgrove

James Allgrove is head of UK growth at Stripe. He is a former senior consultant at Bain & Company, and has worked with Nutmeg, Merrill Lynch and Deloitte.

Andy Homer

Andy Homer has been CEO of Commercial Union UK (now Aviva), CEO of AXA Insurance UK, CEO of Folgate Insurance UK, and CEO of Towergate Partnership. He is currently chairman of an energy broker and an insurance software business, and a non-executive director of a Brazilian insurance business. He has also been a professional mentor for three years, an active investor, and a stakeholder in Funding Circle.

Gopal Iyer

Gopal Iyer is a strategist at UK software company Hedgehog Lab.

Aden Davies

Aden Davies is an experienced financial services technologist and innovation specialist, with over 17 years' experience in financial services at one of the world's biggest banks. He is now an independent consultant working on similar problems, and runs "the world's favourite fintech news bot" @fintechBot.

Dermot Crean

Dermot Crean has focused on financing growth companies for over 30 years, having worked as a chartered accountant with PwC in London, and has held senior positions with HSBC and NatWest across Europe and having co-founded and built a successful private equity advisory firm in London over 10 years. He moved to Australia in 2011 and co-founded InvoiceX.

Mark Holmes

Mark Holmes is CEO of Waymark Tech, a regtech company that helps financial institutions discover, identify and analyse regulatory requirements.

Jenny Maat

Daniel Lowther

Daniel Lowther is head of fintech at CCgroup. He has more than nine years’ experience in B2B public relations and leads CCgroup’s fintech division, where he is responsible for creating and delivering market engagement strategies for clients.

Josh Pankiw

Josh Pankiw is a central Florida resident and a member of the Fattmerchant team, helping to disrupt payments and level the playing field for SMBs. He is particularly interested in mobile payments and how financial technology will change the way business owners accept payments.

Marc Torrens

Dr Marc Torrens co-founded Strands in 2003 and is serving as chief innovation officer. He has published more than 20 referred papers on his work in international conferences, and journals on artificial intelligence and usability. He received an MSc degree in Computer Science from the Universitat Politècnica de Catalunya (UPC) in 1997, and a PhD from the École Polytechnique Fédérale de Lausanne (EPFL) in 2002.

Brad Strothkamp

Brad Strothkamp is senior VP, head of customer experience strategy, virtual channels group at Wells Fargo. He has years of experience in all aspects of product and channel, including strategy, customer experience, product management, engagement, insights, marketing, sales, governance, and user experience.

Nikhil Srivastava

Nikhil Srivastava is VP of growth for Wharton FinTech, as well as product manager and technical account manager for iSentium. He is pursuing an MBA in Entrepreneurial Management.