Carlo has over 30 years’ experience in the European banking sector gained in consulting (PwC and McKinsey) and major Italian Banks (Intesa Sanpaolo and UniCredit). Carlo has been EU Commissioner for Esprit Projects, MBA lecturer of the Alma Mater Studiorum of Bologna and EFMA Retail Banking Council chairman. He holds a Mckinsey MBA.

Expert in consulting for innovation, seed investments and startup growth, Matteo gained a sound experience in strategic consulting and innovation, collaborating as Manager with different incubators and funds specialized in Impact Investments in Milan and London. Matteo holds an Executive MBA from MIP Politecnico Milan.

Thanks to his multi-year experience in International consulting firms as a Partner, Francesco developed a deep understanding of the industry business models, of sustainability in finance, as well as of the banking and insurance processes. On these topics he is active as speaker and author of research papers and articles in industry magazines. He is member of ECGI, AIFIRM and AICOM.

Entrepreneur with a broad and solid understanding of management consulting gained in over 30 years’ experience, Carlo helped more than a hundred companies in fields like finance, manufacturing, services and public administration in complex change processes. He is currently professor of business administration at the Milan University.

Juan gained multi-year experience in Economics and a Commercial Intelligence and Multichannel CRM. In the last 10 years Juan has been helping different financial institutions in Europe & Latam to combine science and experience to excel in their customer centric approach. He holds a master in Monetary Economics from Northeastern University.

Francesco, Co-Founder of LegaLock, is a digital entrepreneur,  and co-founder of Academic spin-offs and Onlus, as well as investor of 5 startups. He founded many businesses and social organizations, collaborated with Sole24Ore group as representative for Back to Work24 in Sicily and took part in the Sicilian Foundation for Venture Philanthropy. Francesco holds a degree in Communication Sciences from IULM Milan

Consults with fintechs, financial institutions, companies and investors to improve B2B financial processes, like lending, trade finance and supply chain finance, by leveraging a 25+ year international track record of launching and transforming products / offerings into long-term revenue generators. Holds an MBA from NYU Stern.

Paolo è Investment and Risk Analytics Spokesperson per IBM. Esperto di financial services e tecnologia, ha fondato una startup fintech poi acquisita da IBM. Paolo ha inoltre ricoperto la carica di Head of Market and Counterparty Risk Modeling per Intesa Sanpaolo ed è autore di diversi titoli di riferimento per il fintech.

Victor is Regional Sales Manager of Entrust Datacard Corporation, a world leader in business solutions delivering Trusted Identities and Secure Transactions. Victor’s career began in IT, that brought him to engage in a deep understanding of banking and payment sectors.

Joep is Managing Partner at Flow Design Works, an open design agency based in Brussels. Knowledgeable and passionate about innovation, he gained extensive international knowledge of the banking and credit cards sectors, thanks to the positions covered in companies such as American Express, Citibank and BNP Paribas.

Stefano is Founder and Managing Partner of Oxy Capital, Private Equity fund management company in Portugal and Italy. Entrepreneur and consultant with massive experience in banking and corporate finance, Stefano led McKinsey Banking Practise for the Mediterranean area from 2006 to 2012.

John is CEO of KStrat International, a strategic consulting firm focused on financial services. With over 25 years’ experience in retail banking as executive in several British and international banks, John has a deep knowledge of the Fintech industry. He has been collaborating for 30 years with EFMA of which he has beenwas board member.