Dr Ruth Wandhöfer is an author, speaker and global authority on banking, technology and regulation. A female leader in the fintech space, she promotes the understanding, development and deployment of new business models and technologies for our digital future across payments, financial markets and processes. Ruth is a visiting professor at CASS (now Bayes) Business School and at the London Institute of Banking and Finance. An independent non-executive director since 2018, Ruth has in the past chaired the Statutory Payment Systems Regulator (PSR) Panel in the UK and been a board member of the London Stock Exchange Group, Gresham Technologies and Digital Identity Net. She sits on the Bank of England CBDC Engagement Forum and chairs the CBDC Privacy Working Group. In her executive career, Ruth spent more than 11 years with Citi, and has advised the European Commission, the European Central Bank, the Bank of England, the White House, the Singapore MAS, the EBRD and the OECD.