Philip King is the Global Head of Retail Banking at ADIB. He joined the bank in 2013 with over three decades of banking experience across Europe, the Americas and the Middle East. Mr. King is currently directing the strategy to grow ADIB into a leading retail bank in terms of revenue, market share and its presence in the expat market. He has achieved growth in excess of past performance and above market rates through revenue acceleration initiatives, by driving nascent lines of business such as Wealth Management and Bancassurance, and by launching marketing and branding campaigns to target the expat market. Philip also directs strategic initiatives including network expansion, digital strategy, contact centre optimization and digitalization. Mr. King also leads the full Retail Banking Proposition comprising of Liabilities & Wealth Management, Assets, Distribution, Cards, SME, e-Channels, UAE Marketing, Expat Strategic Business Unit, Segments, Customer Experience and COO. He works to ensure the highest standards of customer service and brand consistency across product ranges and multi-channels including branch, mobile and digital. He has led the team at ADIB to win multiple awards in the sector for customer service and innovation. Prior to joning ADIB Mr. King managed various retail franchises for Citibank, including 5 years with Citi in Poland, which had over 86 branches, and ABN Amro, which included Saudi Hollandi Bank in Saudi Arabia with 41 branches for 30 months, and ABN Amro Latin America for 3 years. He was most recently responsible for the start-up and growth of retail banking for International Bank of Qatar based in Doha. Philip is a graduate of Bristol University in England and has an MBA from London Business School.

Kunal is a payments professional with 15 years of industry experience, currently driving Stripe's regional expansion across the Middle East and North Africa, including their recent launch in UAE. Prior to Stripe, Kunal held multiple regional leadership positions at Visa in Dubai and London, most recently heading sales for the Visa Direct money movement network. Kunal has also managed Visa's acceptance growth with acquirers and merchants across the Middle East, as well as the network processing and business development verticals in Europe. Kunal entered the payments industry through Citigroup's London graduate program, focusing on treasury management and card acquiring solutions. Kunal has an undergraduate degree in Economics from the University College London and lives in Dubai with his wife and son.

Olivier Crespin is the Co-Founder and Chief Executive Officer of Zand. Since taking on this role in 2018 he has focused on leveraging hybrid digital banking strategies to establish Zand as the first fully digital bank in the region to combine both retail and corporate banking. Crespin brings over 20 years of extensive expertise and leadership roles in digital banking and FinTech across Latin America, the USA and Asia. He recognises the need for a customer-centric approach to humanise the banking industry. Prior to Zand, Crespin has been an award-winning leader at CIMB Bank, DBS and Citigroup. Across those roles he’s led flagship programs into new markets including India and Indonesia and spearheaded the implementation of innovative technologies

Raja Al Mazrouei is a visionary and influential executive within the finance and technology sectors. Her entrepreneurial spirit and passion for progression have been the driving force behind her achievements and continue to fuel her ambition to reinforce further the UAE’s position as an innovation destination on the global stage.
With over a decade of experience in the financial services sector, Raja has developed an ecosystem for FinTech entrepreneurs and stakeholders in Dubai, a primary contributor in the emirate named a top ten global FinTech hub.
Her marketing & communications expertise has enabled her to bring brands to life and foster communities to create business opportunities and societal impact for the Fintech sector.
Raja held senior positions within the IT, Operations, and Marketing teams at different organizations, including Dubai Holding, the National Bonds Corporation, and the Dubai International Financial Centre.
As Executive Vice President of FinTech Hive, she brings together leading financial institutions, government entities, technology partners, Venture Capital and Funds, and entrepreneurs to realize a common goal in driving the UAE’s national innovation agenda and shaping the future of financial services. Today, Raja stands at the helm of one of the region’s most successful financial technology hubs and has contributed significantly to building a vibrant and dynamic community of over 350 startups operating in Dubai International Financial Center.
The rapid growth of the FinTech Hive under Raja’s leadership has been recognized globally, with it ranked as one of the world’s best financial innovation labs by Global Finance Magazine. In addition, she has been named one of the top 100 Women in FinTech by Innovate Finance, the 50 Most Influential Women in Middle East Finance by Dow Jones’ Financial News, the top 100 Power Businesswomen in The Middle East by Forbes, and MENA Fintech Leader of the year by Entrepreneur magazine.
Raja is an executive graduate of the Harvard Business School (HBS), serves as a member of the Harvard Business School MENA Advisory Board, and Vice President of the HBS Club for the GCC. In addition, she holds positions on the boards of Dubai FinTech Ventures and Al Masraf Arab Bank for Investment & Foreign Trade.
Raja is a Member Board of Trustees of Mohammed Bin Rashid School of Government.

Hasan Fardan Al Fardan is the Chief Executive Office of Al Fardan Exchange. He joined the company in 2016, becoming CEO in 2020, with a view to establish and forge his own path as part of the family-owned business, Al Fardan Group. Al Fardan currently oversees the management and business strategy of Al Fardan Exchange’s ever-expanding portfolio in the UAE, continuing to position it as one of the leading global remittance and currency exchange. Though Al Fardan’s leadership, Al Fardan Exchange has successfully expanded and has been recognised as one of the top 100 Cross-Border #payments Companies as per FXC Intelligence and retained all staff without salary reductions during the COVID-19 Pandemic. With almost ten years of experience working across various business areas with a focus on Finance and Investments, Al Fardan has a clear vision and understanding of the industry, trends and technology advancing the sector. Prior to joining Al Fardan Exchange, he held multiple roles with the Abu Dhabi Investment Authority (ADIA) where he spearheaded numerous investments across different geographic jurisdictions as a Senior Analyst. In addition, Al Fardan also continues to serve at the Vice Chairman of the Board for Gulf Supplies and Commercial Services and Executive Vice Chairman of Fardan Al Fardan Holding. Al Fardan holds a bachelor’s degree in Finance from University of Richmond, Virginia and a Master of Science in Real Estate, Finance and Investment from the University of Reading, UK.

Entrepreneur/Founder of Two Startups, Having Raised Over $100 million In Venture Capital, Turned Investor, And Advisor, Joy Ajlouny Is Considered To Be A Maverick. Born And Raised In California To Palestinian Refugees, Ajlouny Has Built A Reputation For Her Success In Startups And Ventures Worldwide, All The While Disrupting The Status Quo Of Women In Business. Belonging To The Top One Percent Of Female Entrepreneurs, The Self-Made Entrepreneur Has “Gamified Rejection” And Carved Her Space In The Business World. In 2015 Ajlouny Co-Founded Fetchr, The Silicon Valley-Backed Tech Company That Was Created To Tackle The Middle East’s “No Address” Issue, Which Has Been Long Been A Hindrance To Growth In Emerging Markets. She Facilitated $11 Million In Initial Investments In Fetchr,As Well As $41 Million In A Series B Round In 2017. The Company Now Successfully Operates In Five Countries With A 4500-Person Staff, And Was Dubbed The Number One Startup In The Middle East By Forbes. In 2019, Ajlouny Demonstrated That She Was Beholden To Nobody When She Resigned From Her Position At Fetchr To Follow Her Passion Of Mentoring and Funding Entrepreneurs with Innovative Ideas.
Ahead Of Founding Fetchr, Ajlouny Was The Driving Force And Sole Entity Behind The E-Commerce Luxury Fashion Platform Bonfaire. Acquired By Moda Operandi––A Fashion E-Commerce Giant Owned By LVMH And Condé Nast––In 2013, Just Two Years After Its Launch, This Was Only The Start Of What Would Develop Into A Long-Lasting Relationship Between Ajlouny And The Fashion Industry. Ajlouny Is Regularly Hired As A Consultant For Fashion Startups, As Well As For Venture Capitalists.
Over The Last Decade, Her Unmatched Knowledge And Expertise In Funding And Investment, Startups And Marketing Strategies Has Compounded Into What’s Known As The “Joy Effect,” A Term That Refers To The Ripple Of Her Influence On A Multitude Of New And Once Suffering Companies. Considered An Expert In Emotional Marketing, She Follows The Rule Of Thumb That In Order To Be Successful, You Have To “Fall In Love With Your Customer.” With Less Than Three Percent Of Venture Capital Funding Raised By Women, Ajlouny Has Successfully Raised Multiple Rounds Of Funding For Her Two Startups, Acquiring Investments From Some Of The Most Prestigious Silicon Valley Venture Capital Firms.
As A Self-Made Woman In The Industry, Ajlouny Is Passionate About Encouraging And Investing Knowledge Into The Young Women Of Tomorrow. Ajlouny Is Regularly Invited To Speak At Forums And Events Across The World And Most Recently Took The Stage At The World Economic Forum In Jordan And BoF VOICES In The UK. Her Talks Are Not Only Centered Upon Her Businesses, But On The Realities Of Being A Female Entrepreneur, The Double Bind And The Relentlessness It Takes To Secure A Position That Counters The Traditional Roles Allocated For Women.

Gaurav found his love for gadgets and technology at young age and started making money by repairing electronics when he was twelve. His professional career began in telecoms. In his pursuit of innovation and bringing change to the technology landscape In Kanpur, he laid the foundation of Info-Tech hub as an ISP. He went on to further explore emerging technologies and business innovations establishing a leading group of companies under the umbrella of ITH including multiple ventures where he is a Partner, Investor and Mentor to various startups as well as established enterprises. Under his leadership, InfoTechHub has grown rapidly along with its portfolio companies which ventures into Investment Advisory in blockchain projects, Business Strategy and Technology Consulting for Large-Scale Enterprises, Product Marketing and HR Consulting Services. At the same time, ITH has been putting in successful efforts into innovating intellectual properties in the field of Software Technologies, Blockchain, Electronic / Robotics, Agriculture, and KYC Services. He us also the CEO of TDeFi, the world's first virtual accelerator specifically for DeFi and NFT ventures. It provides access to world-class mentors, Industry connections, Technology, Marketing and community, Exchanges, Liquidity, and many growth hacking partnerships. TDeFi has incubated more than 25 startups up till now and has been aggressively looking for projects that aim to disrupt the status quo.

Salmaan is the Chief Business Development Officer for the Dubai International Financial Centre. He is a member of the management team and is responsible for driving the DIFC’s growth strategy and for the DIFC client portfolio. Before joining the DIFC Authority, Mr. Jaffery held leadership roles at PricewaterhouseCoopers and Ernst & Young Middle East. Prior to that, he held operating and finance roles at Citibank and American Express in New York. Mr. Jaffery has also led client teams at Oliver Wyman focused on customer driven growth strategies and new venture analyses. Salmaan is an accomplished Financial Services thought leader and active speaker on financial sector development, Fintech and emerging markets growth, with ongoing digital, print, radio and TV citations. He has published on topics ranging from economic competitiveness to customer centricity to Islamic finance. Mr. Jaffery holds an MBA from Cornell University and a BA in International Relations (Phi Beta Kappa) from Colgate University in the United States. He is President of the Cornell University and Johnson School Clubs, Middle East and serves on the Boards of several non-profit organisations.