Global Speakers


Sonja Davidovic

Economist & Digital Expert on Transformative Technologies, IT Department

International Monetary Fund

Panel Discussion: The Future Of CBDCs, The Impact Of CBDCs On Cross Border Payments And The Importance Of Interoperability

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Willy Lim

Solution Architect


Topic: Building The Right Ecosystem For CBDC Development

Workshop B: Future Of Digital Currency With Blockchain Technology

Willy Lim is a business/IT payments and capital markets subject matter expert from R3.  Willy has been involved with several large scale initiatives on the areas of strategy, design and implementation over the past 20+ years.  This initiatives are for financial market infrastructure, capital markets, funds/wealth management, Islamic Finance, Digital Asset and Central Bank Digital Currency.

Currently, Willy is working on various strategic initatives such as the R3 CBDC working group which will assess, analyse, review the relevant policies, impact to the ecosystem and establish the reference business/technical architecture.

His experience spans various technology solutions focusing on future proofing the business strategy and value creation through digital transformation and the introduction of emerging technologies for the financial market infrastructure and services industry.

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George Calle

Market Intelligence Lead


Panel Discussion: The Future Of CBDCs, The Impact Of CBDCs On Cross Border Payments And The Importance Of Interoperability

George Calle currently leads R3’s research efforts around regulated digital currencies, leveraging R3’s rich ecosystem of leaders across market segments to derive insights and uncover areas of collaboration across the central bank-issued digital currency (CBDC) and stablecoin landscapes. George joined R3 as a member of the research team in 2018 after graduating from the University of Pennsylvania, where he studied Politics, Philosophy and Economics.

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Ratna Sahay

Deputy Director

International Monetary Fund

Topic: The Future Of Digital Currency: Digital Financial Services And Financial Inclusion

Ratna Sahay is Deputy Director of the Monetary and Capital Markets Department (MCM) at the International Monetary Fund (IMF). She leads key policy papers and projects in the areas of monetary policy, exchange rate policy, capital account, financial development, financial inclusion, and gender and finance. She is also responsible for bilateral surveillance support to area departments. Her recent projects include analytical work on unconventional monetary policy and global spillovers, capital flows, financial deepening, financial inclusion, and gender and finance. She has served as Advisor to Stanley Fischer (First Deputy Managing Director) and Advisor to Michael Mussa and Kenneth Rogoff (both Economic Counselors of the IMF). She has published widely in leading journals on monetary policy and financial sector, including financial market spillovers and financial crises, inflation, economic growth, fiscal policy and debt sustainability, and transition economies. She has taught at Delhi University, Columbia University, and New York University and holds a Ph.D. in Economics from New York University, New York.

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Francisco Rivadeneyra

Director for CBDC and FinTech Policy

Bank of Canada

Topic: CBDCs:  Motivations, Design Principles And Core Features

Francisco Rivadeneyra in the Director for CBDC & FinTech Policy and Research at the Bank of Canada. In this role he leads a team developing policy advice in areas of central bank digital currency, electronic money and payments, and the implications for central banks of broader financial innovations. He also is an active researcher working in the intersection of technology, payments infrastructures and finance. His current research studies the security and convenience trade-off of digital currencies and the use of artificial intelligence in the liquidity management problem of commercial banks. His previous work has been on the management of domestic debt and foreign reserves for the Government of Canada.

Mr. Rivadeneyra holds a PhD in Economics from the University of Chicago.

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Shiv Chowla

Senior Manager for Central Bank Digital Currency (CBDC)

Bank of England

Topic: The Bank Of England’s Exploration Of CBDC

Shiv is a Senior Manager at the Bank of England with responsibility for its exploration of Central Bank Digital Currency (CBDC). He was previously Private Secretary (Chief of Staff) to the Bank’s Chief Economist, delivering research on a wide variety of economic topics and acting as a monetary policy advisor. Shiv also has extensive experience in macroeconomic forecasting and scenario design from prior roles. Shiv studied Philosophy, Politics and Economics (PPE) at the University of Oxford before completing a Masters in Economics at the London School of Economics.



Matthew Lovatt

Exco Member

Singapore Fintech Association

Panel Discussion: The Future Of CBDCs, The Impact Of CBDCs On Cross Border Payments And The Importance Of Interoperability

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Syed Musheer Ahmed

Co-founder and Board Member

Fintech Association of Hong Kong

Panel Discussion: The Future Of CBDCs, The Impact Of CBDCs On Cross Border Payments And The Importance Of Interoperability

Musheer is the Founder & Managing Director of FinStep Asia, which is building Asia’s next generation of Businesses. FinStep Asia enables Corporates and Scaleups in their innovation journey through Corporate innovation, venture building, growth advisory, bespoke research and accelerator programs.  Musheer is one of the main contributors in building the Fintech ecosystem in Hong Kong as the cofounder and board member of Fintech Association of Hong Kong.

He is on several advisory boards and a mentor/advisor to several startups, while a regular guest lecturer at many universities in Hong Kong and Singapore. He is cofounder of IndiaTech HK, a platform bridging Indian & Chinese tech ecosystem via Hong Kong. He is also the Global Ambassador for Tokyo Metropolitan Government.  He is a regular contributor and author of articles on Fintech, Digital Banking and Investment Banking and been quoted in various media channels, including on CNBC, Bloomberg, SCMP, Financial Times, Asian Investor, Economic Times, etc.

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Rajesh Bansal

Senior Adviser

Carnegie India

Topic: Understanding Central Bank Digital Currencies: A Cashless Society- Benefits, Risks And Issues

Rajesh Bansal is a senior adviser at Carnegie India. His research focuses on financial technologies, particularly electronic payment systems, electronic cash transfers, and digital financial services to enable inclusive development. He leads the center’s technology and society program.

Prior to joining Carnegie India, Bansal served as the Asia regional director for BFA, a global consulting firm leveraging finance and technology, where he consulted on financial and technology issues applicable across multiple markets in Africa, Southeast Asia, and South Asia related to digital ID design and strategy, social safety nets, and national payments strategies.

Previously, Bansal was one of the key architects of IndiaStack, a digital ID-based infrastructure for a cashless service delivery platform in India. He also headed the financial inclusion unit as director of unique identification authority of India, government of India, and was instrumental in managing key relationships with the prime minister’s office, ministry of finance, and Reserve Bank of India.

Bansal has vast experience working with the Reserve Bank of India in various capacities in the areas of financial inclusion and digital finance for enabling an efficient and accessible financial sector for the public. He also headed numerous finance committees and introduced better reporting and monitoring of data on financial inclusion.

Bansal holds a bachelor of arts (with honors) in economics from Delhi University, a master’s degree in economics from Madras University, and a master of arts in international development policy from Duke University.

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Dr. Albert Amanollahnejad


Azad University, Tehran, Iran

Topic: Blockchain Powered Digital Currencies: How Digital Currency Will Disrupt The Market And Provide A Road Map For Money Revolution

Dr.Albert Amanollahnejad has been an auditing, financial technology management services consultant at Aeen Behravesh Audit Firm since 2018. He is a member of national Technology Management Association and Institute of Certified Accountants. He joined the Faculty of Management & Accountancy at Azad University in September 2016 as an assistant professor in the Department of Management & Accountancy. He has had a wide range of teaching experience at undergraduate, Master and PhD levels.  He received his PhD in December 2015 and Certificate of Research Excellence for his PhD project. He has written more than 20 books in the field of Accounting, Finance and information system. His research interests are in Fintech, Blockchain Technology, Open Innovation, Sustainability, Investment Analysis, Risk Management and Management Accounting.

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Tamara Singh



Topic: The Role Of The Public Sector And Public-private Cooperation In Digital Currency Growth

Following a decade in the United Kingdom and two years in Hong Kong, Tamara returned to Singapore in 2012. A multi-disciplinary Business Manager, her experience spans energy, financial services and fund management, covering trading floors in London, New York, and Asia. Tamara departed GIC Pte Ltd, Singapore’s Sovereign Wealth Fund, to embark on a portfolio career as the Head of Asia Pacific for the Official Monetary & Financial Institutions Forum, whilst also fulfilling demanding commitments as a dedicated mother, Coach and Consultant.

Tamara is a member of the UNDP’s Private Sector Advisory Group and UNESCAP’s Infrastructure Financing and Public-Private Partnership Network of Asia and the Pacific.  She works with industry groups to drive adoption of solutions to reduce common challenges within the finance ecosystem and is currently experimenting with the roll-out of a purpose-led virtual community for those interested in gender inclusion.


Jason Lee

Chief Operating Officer

Algorand Foundation

Topic: The Future Of Payments With CBDC: The Challenges Arising From The Digitalization Of Payments And Currency

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Simon Hess

Vice Chairman

German NGO Monetative

Topic: Regulating Central Bank Digital Currencies: Towards A Conceptual Framework

Simon Hess is research associate and PhD candidate at the University of Salzburg. In his PhD thesis he investigates legal and economic aspects of Central Bank Digital Currencies (CBDCs). He holds a master’s degree in Business Information Systems from the University of Göttingen. His master’s thesis dealt with stable coins and their potential application in machine to machine (M2M) payments. Apart from this, he is the vice chairman of the German NGO Monetative, which is concerned with research and education on the current and alternative monetary systems.

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Tanvi Ratna

Founder & CEO

Policy 4.0

Topic: Revolutionizing Remittances: How Digital Currency Could Build A More Sustainable Global Economy

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Raúl Morales Resendiz

Manager | Financial Markets and Infrastructures

CEMLA, Mexico

Topic: Implementing A Retail CBDC: Lessons Learned And Key Insights

Raul Morales Resendiz is Division Manager of Financial Markets and Infrastructures at CEMLA, the Latin American and Caribbean central banking association, based in Mexico City.

Mr. Morales coordinates a team in charge of policy analysis, technical assistance and capacity building activities on payments, fintech, cybersecurity and market infrastructure issues. He ensures that the vehicles set for an effective regional cooperation on these subjects bring value to CEMLA’s Membership. He is responsible of the international coordination with the Committee on Payments and Market Infrastructures (CPMI), the International Monetary Fund, the World Bank and other multilateral organizations in the relevant subjects under his portfolio. His research has focused on payments oversight, financial inclusion, cross-border payments, and more recently in new technologies, including distributed ledger technologies, Central Bank Digital Currencies and Machine Learning applied to the functioning and monitoring of payments and market infrastructures.

He launched the Fintech Forum in 2018, an initiative of central banks to better understand and respond to new technologies in the financial system. Within this, he successfully led a coalition of central banks experts aimed at evaluating design and implementation aspects of retail CBDC pilots. He is also a co-organizer of the Innovation Hub at CEMLA, a vehicle to support central banks to approach new technologies for regulatory and operational issues that are relevant for central banking tasks.

Mr. Morales was ad-hoc adviser to the Director General of CEMLA between 2013 and 2017.

He holds a master degree in Economics and Public Policy the Instituto Tecnologico y de Estudios Superiores Monterrey (ITESM), and a bachelor degree in Economics from the National University of Mexico (UNAM).

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Thomas Kudrycki

Co-founder and Chief Technology Officer

eCurrency, US

Topic: Central Bank Digital Currency (CBDC) As A Tool For E-money Interoperability

Thomas Kudrycki is one of the founding members of eCurrency and has been the company’s Chief Technology Officer from its inception. In this capacity he manages the development of all eCurrency technology and products and works with eCurrency customers, including the Central Banks, to architect and deploy specific eCurrency implementations.

Prior to eCurrency he has had an extensive career as a technology and product development leader in diverse US corporate environments from AT&T Bell Labs to various Silicon Valley startups. He has over 20 years of experience in large-scale technology development and management and holds a BS in Physics and Applied Mathematics, BS in Computer Science, MSEE in Computer Engineering and a certificate in Business Administration.

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Zennon Kapron

Founder / Director


Panel Discussion: The Future Of CBDCs, The Impact Of CBDCs On Cross Border Payments And The Importance Of Interoperability

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Carmelle Cadet

Founder & CEO


Topic: Blockchain As An Infrastructure And Key To Successful Digital Currency Adoption

Born and raised in Port-au-Prince, Haiti , Carmelle gained her early education at College Marie-Anne before migrating to the United States in 2000.

After graduating from Florida Atlantic University, she was recruited for a full time role at IBM Headquarters in New York.She built a high profile career in IBM Global Corporate Finance and Managed major product launches and implementations during her 10 year career at IBM.

A passionate advocate for financial inclusion, economic development, Carmelle is now the Founder and CEO of EMTECH, a Fintech helping Central Banks adopt modern technologies to solve financial inclusion
The company recently launched a new initiative, Project New Dawn, which presents “A Digital Cash Infrastructure For All”concept to address the under banked problem in the U.S. by leveraging Central Bank Digital Currency (CBDC).

With former regulators, technology experts on the team and as advisors, Carmelle is building a portfolio of modern central bank software that delivers a more inclusive and resilient financial infrastructure, especially for emerging markets.

As a a technology and services provider of Project Sand Dollar,the Digital Currency in Central Bank of Bahamas, her mission continues to enable actionable technology to execute financial inclusion, central bank digitalization and cheaper remittances.

In recognition of her accomplishments in the technical field, Carmelle was recently recognized for her innovations and 3 patents by the United States White House.

Carmelle now lives in New York City with her husband and son.

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Eric Nguyen

Senior Manager Robotic Process Automation

Synergy Group Australia

Topic: Creating A Trusted Global Digital Currency: The Spectrum Of Privacy And Confidentiality

Starting Robotic Process Automation journey since 2017, Eric has delivered values to Business Operations through his duties as Business Lead and Developer across various scales (Enterprise, Program of Works to Business Development) in Telecom Customer Services, Project Management, and IT Consulting, Managed and Professional Services.

With Internal and Business partners, he solves business problems via Automation, Data Insights and Agile ways of work.

Over his 15 years in the Managed Customer Services space, serving customers from enterprises, government agencies and SMEs, Eric knows what drives: Customer Time Reduction, Consistent Customer Advocacy, and Practical Cost Saving.

Eric holds a Master of Business Information Systems from Australia National University.

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Dr. Jiaying Christine Jiang

Co-leader of the Central Bank Digital Currency Project China Center

Yale Law School

Topic: China’s Central Bank Digital Currency: Development Status And Potential Impacts?

Dr. Jiang is a Hauser Global Fellow affiliated with the Information Law Institute at New York University School of Law.  She is also the co-leader of the Central Bank Digital Currency project, cooperating with the China Center at Yale Law School, and a contributor of the RegTrax Initiative at the CodeX Center for Legal Informatics, Stanford Law School. She is admitted to the bars in China and the State of New York. Her research focuses on the interaction between law and technology, especially policies and regulations on emerging technologies, such as artificial intelligence, blockchain, smart contracts, digital currencies, FinTech, and LegalTech. Her research interests also include computational law, comparative law, data rights, platform competition, and privacy issues.

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Mike Khan, CPA

Executive Director, Business Management, Finance and Program Governance Client Engagement Group

Australian Taxation Office

Topic: A CTO Guide: How CTOs Can Enter The Digital Transformation Race In Financial Services

Mike has over twenty-five years of senior management experience in Australia. He presently works as an Executive Director for Client Engagement Group of the Australian Taxation Office.

Mike is an accomplished leader in organisational transformation through development and implementation of innovative client service, organisational development, business transformation, capability development, knowledge development, change management, compliance management, revenue performance and risk management strategies. He is a Bachelor of Economics graduate from USYD, postgraduate from UNSW in Master of Statistics (foundation of ML and AI) and postgraduate from UCAN in finance and accounting. He is also Certified Practicing Accountant.

Mike has a global network and prolific writer on LinkedIn and tech publications on digital transformation. He is a sought after conference chair and speaker because of his ability to bring unique perspectives from his extensive finance and accounting career, intelligent automation expertise, new economics of digital, organisation developments issues, how to maximize the opportunities from these technologies, and his ability to assist and guide CEOs, CDOs and CFOs in their digital transformation journey.