Ritesh is a globally recognised Fintech and Payments leader, Entrepreneurial Technology Leader, startup founder, and a PhD in Payments Innovation, Open Banking, and Financial Inclusion. With over two decades of experience in digital technology and business transformation, he has been at the forefront of the payments and banking industry. Ritesh has led the future of VISA payments, introduced Apple Pay in Europe/UK, and is an advocate for Financial Inclusion and Diversity & Inclusion. Formerly the COO Digital at HSBC, he founded Infynit, a fintech disrupting the credit market. Ritesh is an advisor and visiting lecturer to leading business schools, a published author, and mentor to various institutions. He has built successful ventures, advised major payment programs globally, and is a member advisor to G20 GPFI. Ritesh's expertise spans areas such as Open Banking, Central Bank Digital Currency, and Emerging Technologies.