Areiel Wolanow is a senior business leader with over 30 years of experience in business transformation solutioning, sales, and execution. He brings deep experience leading large, globally distributed teams, and has successfully built entire consulting practices from scratch, led programs of over 100 people through the full delivery life cycle, and managed budgets in excess of $35 mln.

Currently he is the managing director of Finserv Experts, a consultancy that designs and delivers DLT and Machine Learning Solutions. Areiel led the team that developed the working blockchain trade settlement prototype for Lloyd's of London, and is currently leading the design of Deutsche Telekom's Blockchain-as-a-Service offering.

In Singapore, Areiel led the team that delivered a working trade finance blockchain prototype for HSBC and Bank of America, and in Kenya, he led the team that successfully delivered the delivery of the machine learning-based credit scoring engine for Kenya's mPesa mobile payment platform. Areiel is an advisor to the UK Parliament on both AI and Blockchain, has addressed the G20 on the potential of emerging technologies to drive financial inclusion, and frequently advises central banks and financial regulators on technology adoption.

Until 2017, he was the head of Retail department in PrivatBank, which became the largest bank in Ukraine during his employment there (15 million customers and over 50% of the market by all the main KPIs).
As of now, he is the cofounder of monobank, the first mobile bank in Ukraine.
monobank is based on the idea that going to a bank's office is merely a pain in the neck: nobody views it as entertainment or fun.
That is why monobank has got no offices, which allows it not to make unnecessary spendings, with this all resulting in it offering the best products on the market.
monobank's mission is striving to create a bank of the future that customers will love.
Such a business model has proven to be successful: monobank has acquired 1,600,000 customers in two years and is considered the most rapidly growing mobile-only bank in the world.
Oleg shares his experience in his blogs; the overall number of his followers exceeds 100,000.

Vitalie has over 20 years of experience as a head of technical and digital teams of leading banks and other financial companies in CIS region. He worked as CIO and CTO in Sberbank Moldova, Tinkoff Bank, BINBANK, regional units of BNP Paribas and OTP Group. He also deployed Agile development & DevOps methodologies within large organizations. As a Leading Expert and Digital Projects Director at Alfa-Bank he initiated creation of the Innovations Department, designed to manage internal innovations, either launching of FinTech partnership eco-system.

Last year Vitalie founded his own firm AC Tech aimed to bring new digital banking & fintech solutions to the Russian, European and Asian markets. He built a core, high quality team of business and IT professionals with large experience in building digital solutions in Finance & FinTech.

AC Tech helps developing Internet & mobile banking in several banks and works on projects for the building & re-engineering IT platform architecture for the finance companies. Also AC Tech launched developments in AI/ML for an insurance company.

Zarina Odinaeva is the Program Leader of Europe and Central Asia Digital and Credit Infrastructure programs in Europe and Central Asia. The programs aimed to support a digital financial services development and innovations in financial sector, credit reporting system, improve the registration system for pledges, and raise the financial awareness among the population. The programs will also support countries in facilitating environment and private sector players to provide access to financial services for up/underbanked population that lives not only in urban, but also in remote rural areas through the introduction of innovative solutions and developing credit infrastructure for better access to credit for individuals and SMEs. The programs interact with key market players, including regulators and the private sector.

Before she joined the World Bank Group, Zarina worked in the consulting company as an accountant and tax specialist. She has extensive experience in financial management, planning budget, project management and has a deep understanding and practical skills on working with key banking operations including her solid experience as the Head of foreign exchange operations department at the commercial bank. Zarina graduated from the National University of Tajikistan, with master's degree in Economy and received MBA in 2016.

Vira Platonova is a Senior Vice President and Group Country Manager for Visa CISSEE. Platonova oversees all Visa operations in seventeen markets across Eastern Europe, Central Asia and Southeast Europe.

Vira Platonova is a highly experienced executive in the payment systems and retail banking sectors. Her seventeen-year career includes strategy development and implementation, business development and operational management. Prior to Visa, Vira was the General Manager for MasterCard's representative office in Ukraine, Moldova, Georgia and Central Asia.

Previously Vira Platonova held senior positions in the Credit Europe Bank, being responsible for the organizations of bank's processing center and development of credit card business as a whole, and in the State Export-Import Bank of Ukraine, working in the payment systems and retail business department.

Vira graduated with honors from the Institute of International Relations of Taras Shevchenko Kyiv National University with a Master's degree in international economic relations, specializing on international fiscal and credit relations. Afterwards she received a PhD in economics, having defended a thesis on "Management of international payment systems in the countries of Central and Eastern Europe".

Paulina is an entrepreneur, an angel investor, a writer, a TEDx speaker and a founder of GrantTree, started with a purpose to help tech startups navigate the complex world of government funding.

Since 2010 the team grew organically from 2 to 40, and raised over £100M for more than 600 technology startups and scaleups using solely government funding schemes such as R&D tax credits. GrantTree is also an open culture company which pioneered a self set salary scheme, and an empowering culture governed by holacracy.

Paulina is also a seed investor and a startup mentor, who features as a keynote speaker at technology conferences worldwide.

Sara Koslinska is a serial entrepreneur with a B2B focus. She's been recognised by Forbes - 30under30 list and Global Startup Awards - Founder of the Year CEE. She also has been a speaker at a number of events including WEF in Davos, Money2020, Fintech Connect London.

Sara is experienced with Lean Startup methodology, idea validation and comparing business models. Since 2013 she has been involved with Fintech and BigData and since 2015 specifically with banking innovation. She is a co-founder and CEO of Limitless. Her recent tech venture uses AI to help people start and continue investing.

The exposure to different players in the startup ecosystem including Corporate Accelerator, Venture Capital Fund, High-growth Internet company and Early-stage startups in different regions, gave her a good understanding of how the tech market and its consumers are changing.

Sara has travelled over 50 countries getting to know the local startup ecosystems. She has a cross-industry experience (both B2B and B2C) from Israel, Poland, UK, Malaysia, Singapore and the Netherlands.

Takeshi is a director of the board of the Fintech Association of Japan and leads international partnership, Capital Markets Committee and RegTech&SupTech Committee.

He is also the founder & CEO of a P2P equity financing marketplace, Crowd Realty. In addition, he sits on the advisory committee for the Government of Japan's Regulatory Sandbox.

Prior to establishing Crowd Realty, he worked for Merrill Lynch as an investment banker and has 5 years experience in capital markets and real estate securitization. Before joining Merrill Lynch, He worked for Boston Consulting Group.

He holds BS and MS in architecture from the University of Tokyo.

Nika has more than fifteen years of experience in the banking industry which includes five years at UniCredit Group in Austria, Turkey and Kazakhstan. Immediately before joining TBC Bank in 2014, Mr. Kurdiani was Managing Director at Kaspi Bank, a leading retail bank in Kazakhstan. Prior to obtaining his MBA degree in 2007, he served as Head of the Retail Banking Division of Bank Republic Georgia, Société Générale Group, and also held several positions at Bank of Georgia between 2003 and 2006.

He has expertise in post-acquisition integration and restructuring, as well as retail and SME banking. Between 2008 and 2010, Nika held the position of Senior Sales Support Expert at the CEE Retail Division of Bank Austria, UniCredit Group, responsible for Turkey, Kazakhstan, Ukraine and Serbia. Between 2010 and 2013, he was Head of the Retail Division of ATF Bank, UniCredit Group in Kazakhstan.

In his current role of Deputy CEO at TBC Bank Nika, among other directions, is responsible for Neobank Space and is actively involved in TBC's digital ecosystem development, which includes housing, auto, ecommerce, ticketing and payment platforms.

Takeshi is a director of the board of the Fintech Association of Japan and leads international partnership, Capital Markets Committee and RegTech&SupTech Committee.

He is also the founder & CEO of a P2P equity financing marketplace, Crowd Realty. In addition, he sits on the advisory committee for the Government of Japan's Regulatory Sandbox.

Prior to establishing Crowd Realty, he worked for Merrill Lynch as an investment banker and has 5 years experience in capital markets and real estate securitization. Before joining Merrill Lynch, He worked for Boston Consulting Group.

He holds BS and MS in architecture from the University of Tokyo.

Yevgen Lisnyak is currently the Head of Strategic Partnerships, Fintech & Ventures in CIS & South-East Europe (17 markets). His key responsibilities include identifying, support and development of the high potential partners for Visa in new robustly growing fintech business environment driving cashless economy.

Yevgen joined Visa in 2017 as Director, Digital Solutions team. In this role at Visa Yevgen successfully managed and launched transit and smart city solutions in Ukraine and CIS countries. Now Yevgen works as Senior Director of Strategic Partnerships, Fintech & Ventures leading this function in CISSEE region, in this role focuses on cooperation with neo banks and all types of disruptive fintech companies and fintech ecosystem development in multiple markets.

Yevgen Lisnyak brings to Visa Strategic Partnerships team over 10 years of international experience in IT and consulting gained with leading international companies.
Mr. Lisnyak holds a Master's Degree in Applied Physics and Mathematics from Moscow Institute of Physics and Technology (MIPT).

► Olga started her career at Arthur Andersen in 1998 and joined EY in 2002. During more than 20 years in professional services Olga served a number of prominent multinational and local clients in the area of human capital management, individual tax planning, development and implementation of HR administration strategies.

► Olga has a PhD in economics and a degree in law. She is a Certified Public Accountant in the US, a certified MBTI practitioner, a certified professional coach (PCC by ICF standards); a certified change management professional; a certified corporate governance professional; a member of the International Coaching Federation, American Institute of Certified Public Accountants, and Association of Change Management Professionals.

► She is a successful business trainer having wide experience in teaching at universities (Prague branch of Moscow Institute of Entrepreneurship and Law, 1996-1997) as well as at business schools (Kyiv-Mohyla Business School, starting in 2005 till now), she also has experience in conduction various corporate and open trainings in the area of personnel management (labor law, HR administration, performance and loyalty personnel management).

► Olga is the author of numerous publications on Human Capital issues, and is a frequent guest speaker at various public events dedicated to the current personnel management issues.

Edgars works in Strategic Product development at Tieto, the leading Nordic software and services company. He has a long experience in change management and implementation of innovative solutions in financial sector. Edgars has been dealing with IT management, IT strategy development and legacy solutions renewal in banking for more than 20 years. Currently Edgars is involved in the development of instant payment and open banking solutions and assists financial institutions in adopting their business models to real time economy.

Джеремі є операційним директором та співзасновником банку Arival, а також портфельним
директором Life.SREDA, одного з перших венчурних фінтех-фондів в Південно-Східній Азії.
Джеремі також допомагав запустити Goldbell Investments, корпоративний венчурний підрозділ
Goldbell Group, зосередивши увагу на інвестиціях у мобільних та автомобільних інноваціях.
Джеремі є спікером у Finovate, Hong Kong Fintech Week, Oracle, Euromoney, Філіппінському
інвестиційному форумі, Vizag Fintech фестивалі, Fin/Sum Tokyo та багато інших.

Alyona has been working in business management for more than 10 years. The main directions are strategic planning, reengineering and automation. With Maxi Card team she launched the first in Ukraine electronic money system with retail companies. She was co-founder and CEO of the ukrainian business consulting project within the international group NAI framework.

Now she is the CEO at moneyveo, a Ukrainian online lending service. Here she rebuilt, automated and optimized the fintech business processes during last year.

Alyona has two higher educations. She additionally studied at the Krakow University of Economics and at the London School of Business and Finance. She is a certified auditor and certified expert at SixSigma. Currently studies in the European IE Business School (MBAS & Executive MBAS course).

Inna Tiutiun has 20 years of experience in the banking sector, including executive position in the department of information technologies and payment systems of the National Bank of Ukraine.
At the National Bank, she supervised the project of building the central router of the payment system Prostir and transferring it to open international standards.
Inna was a Deputy Chairman of the Board at Ukrgasbank, responsible for retail business. Under her leadership the bank successfully migrated to its own processing center.

Today Inna is the Deputy Chairman at the Ukrainian association of fintech and innovation companies, which supports the development of the Ukrainian fintech industry.

More than 14 years in finincial and banking industries, including C-level positions in banks.
Before Assosiation establisment worked as Team Lead for 2 years for USAID Finantial Sector Transformation Project and was resposible for Digital Finance.
The ideologue and the author of the first Ukrainian FinTech Catalouge and ecosystem Map.

Serhiy Chernenko connected his career with FUIB, when he started to work at the bank as a specialist of Central Risk Assessment Management in 1997. He became a chief of Central Risk Management and became a member of FUIB Board in 2005.Serhiy Chernenko was invited to the position of the member of FUIB Supervisory Board in February 2006, which he held till March 2008. Serhiy Chernenko was appointed First Deputy Chairman of the Board in April 2011, and took the position of Financial Director (CFO) of FUIB in February 2012.
FUIB Supervisory Board appointed Serhiy Chernenko on the position of the Chairman of the Board in October 2012.
Education: Serhiy Chernenko graduated from Donetsk National Technical University in major "International economic relations and foreign economic activity management".

Over 20 years of hands on experience in various types of Digital Financial Services (DFS) implementation such as Payments Banks, MFI digitization, Banking transformation to digital, Mobile Payments, Supply Chain innovation.

Strong professional footprint in Africa, Middle East, Eastern Europe and Asia regions.

Clients: PSB, FINO, AIB, bKash, First Bank, Cargill's, City Bank, Khan Bank, Ashur Bank.

Alexey brings over 20 years' of IT industry experience, including working in the leading roles at Big-4 companies, as well as at ING, and Barclays. He also worked in a role of a CIO at a major business group.

Alexey has a broad range of professional experience that includes managing an IT-enabled transformation programme at a large bank, running an emergency response Project Management Office, following a cyber incident, IT procurement centralisation, system implementation and developing IT and Cybersecurity strategy and architecture, including planning a Security Operations Centre. When Ukraine faced cyberattacks during 2015-2016, Alexey organized and a series of workshops to help business prepare to respond to an intrusion. He has recently led projects designing the IT function and IT governance models at a major business group and IT Applications Roadmap development for a Government client.

Alexey's experience spans both the public and private sectors, ranging from financial services to energy and natural resources, and from information, communications and media to chemicals. In addition, Alexey is Vice-President of the Kiev Chapter of the international professional non-profit association ISACA. Alexey graduated from George Mason University in the USA.

Sergii Kharitich is the Member of the Board of PrivatBank and Head of
the Direction of Electronic Business.
Education: in 2005 graduated from the Ukrainian State University of
Chemical Technology, specialty - Information Control Systems and
Technologies.
Joined the team of PrivatBank in the year 2008. Has held different
positions - Deputy Director of the Software Development
Department,Head of the Department of "Software Development
Laboratory", Deputy Head of the Direction of Electronic Business.
Since 2016 Sergii Kharitich is holding positions of Member of the
Board of PrivatBank and Head of the Direction of Electronic Business.
Projects: Internet banking platform - Privat24, LiqPay, Topless, Android ATM is an ATM (1st
place on FinovateSpring 2014 California, USA), Share Credit Cards (Money2020 Hackathon
2016 - winners of the Visa Challenge)

On 17.08.2018 Alex McWhorter was approved by the National bank of Ukraine as Chairman of
the Board of Directors, JSC "Citibank".
Alex McWhorter is the Citi Country Officer (CCO) and Corporate Bank Head for Ukraine. He is
responsible for Citi's franchise in Ukraine including leading the business and protecting the
franchise.
Alex joined Citi in New York in 2003 in Market Risk Management, before moving to Corporate
and Investment Banking in 2007 covering the Power sector. He served as a Director in the Risk
CAO office for over three years where his responsibilities included leading coordination of Citi's
CCAR efforts. Most recently, he served as UK Chief Risk Officer, and was responsible for the
risk management of Citi's UK legal entities as well as supporting the EMEA CRO on regional
support and crisis management.
Alex holds a Masters of Business Arts in Management from New York University, Stern School
of Business, and a Bachelor of Arts in Economics and Psychology from Williams College,
Massachusetts, United States.

Born on March 14, 1977. He is a graduate of Kyiv National University of Economics, Banking
Department. Mr.Tyutyun has 20 years of banking experience. In October 2010, he was appointed Deputy Chairman of the Management Board of JSC "Oschadbank".

Valeria is the founder of FinTech company FONDY. She has 8 years of
experience in payments. First experience she received in Banks working
in corporate banking. She is currently focusing on her project, which
provides a payment platform for e-commerce business. The main goal of
the project is to help SMEs start working online and develop their
business fast, cost effective and easily manage cash flows.

Koptik Sergey Anatolyevich, from 2000 to 2009 He led the development of the business of bank cards in the banks of Belarus (Priorbank, Belagroprombank), Russia (Raiffeisen Bank), Ukraine (Raiffeisen Bank Aval). From 2009 to 2015, he led the development of Visa products in 17 neighboring countries, from 2015 to 2016, Vice President of MasterCard (led the development of business in Belarus). From 2016 to 2019, Head of the Mobile Financial Services Service of Beeline Kazakhstan. Since July 2019, Director of the Department of IFS Kyivstar.

In his position he will be in charge of payment systems and cash circulation areas. His mandate is to ensure the accomplishment of the central bank's mission through facilitating development and regulating payment and settlement systems, ensuring management of the cash circulation system, and engaging in implementation of the NBU's internal transformations.
Sergii Kholod takes office of Deputy Governor of the National Bank of Ukraine from 23 July 2018. The entire career of Sergii Kholod is connected with the Ukrainian banking system. He has 27 years of work experience in the banking area, including many years of management work as deputy head and member of the board in several Ukrainian banks (Swedbank, Tascombank, VTB Bank). Moreover, Sergii Kholod was in charge of IT development in INDEX BANK (Crédit Agricole Group) and Raiffeisen Bank Ukraine (since end-2006 – OTP Bank).
Also, in 1991 – 2002 he worked at the NBU and was one of the project managers who launched and developed e-mail and the telecommunication network for the NBU electronic payment system. He started his career in the banking system as an IT specialist at Prombudbank in 1991.
Sergii Kholod has two diplomas – in economics (Kyiv National Economic University, major in Finance and Credit, economist) and in engineering (Kyiv Higher Military Aviation Engineering College, major in Avionics, radio engineer).

Має значний досвід крос-культурної роботи в банківських технологіях та цифрових розрахунках як щодо клієнтів, так і в технічній ролі. Працював над розробкою та впровадженням трансформації бізнесу клієнта та стратегією виходу на ринок нових технологій. За 15 років своєї професійної діяльності Raivis придбав досвід ринку в секторах фінансових послуг в країнах СНД, Північної Європи, Африки та Європи. Равіс приймає участь у проектах з розвитку cash- free транзакцій і твердо вірить в cash-free економіку.

Olga is a professional with over 16 years of experience in the banking sector. She started her career in 2002 as a loan officer in ProcreditBank Ukraine.
Since 2005, she gained management experience in various fields in Ukrainian banking: credit control, lending organizational unit, credit back office, project management and digital transformation of processes.
Since 2016, joined the management of the IT company, where was in charge of the development and implementation of digital platforms and processes in the financial sector.
And this experience was in 2017 moved to TBI Bank, where the Lean office and Business solution studio were created. Currently work in TBI group on both markets: Romania and Bulgaria.

Konstantyn graduated the Plekhanov's Russian Economic Academy. Candidate of Science in Finance and Credit.

He worked at PriceWaterhouse Coopers and at Alfa Bank (Russia) where was responsible for Retail business (risk management, operations and project activities)

In 2009 Konstantyn joined UKRSIBBANK BNP Paribas group as Deputy Chairman of the Management Board for Operations. Since 2011 - Deputy Chairman of the Management Board of Retail Banking