Dr. Ritesh Jain is an entrepreneurial technology leader and PhD in Payments Innovation with deep expertise in Open Banking, Financial Inclusion, and Digital Transformation. A Fellow of the Digital Euro Association and the Global Blockchain Association, he has advised global banks, regulators, and fintech startups. Previously, he led transformative initiatives at VISA, including the launch of Apple Pay in Europe, and at HSBC as COO – Digital, driving the Bank of the Future strategy.