Dr. Ruth Wandhöfer has been instrumental in shaping the future of finance and money during her impressive career over more than 22 years. She operates at the nexus of technology, identity, finance and regulation and advises and speaks to international audiences on the evolution of the digital economy.

As a sought-after keynote speaker, author and recognized global authority on banking, technology, regulation she is a very influential female leader in the Fintech space, promoting the understanding, development and deployment of new business models for our digital future across payments, financial markets and processes.

After a distinguished career of over 11 years with Citi, Ruth has also advised the European Commission, the European Central Bank, the Bank of England, the White House, the Singapore MAS, the EBRD and the OECD.