Comarch User Group 2026

Max Byloff joined Comarch in 2026 to lead the Loyalty Sector. He oversees the global strategy, operations and business development of this division, focusing on transforming technological innovation into strategic value for consumer brands. A seasoned executive with a deep background in scaling Software-as-a-Service (SaaS) businesses, Max brings a wealth of expertise from a nine-year tenure at Oracle, where he headed the global loyalty platform business. His leadership journey includes pivotal roles as CX Applications Leader for the Middle East, Central & Eastern Europe and Africa, as well as Country Leader for Austria. Beyond his corporate success, Max’s entrepreneurial spirit was evidenced when he co-founded Achtzehn Grad, a Vienna-based digital agency that he scaled into a dominant player in the DACH region. Max holds degrees in Business and Social Science and is a respected academic voice, lecturing on B2B Sales and Digital Marketing at leading universities. A frequent keynote speaker and published expert on customer engagement, Max’s appointment reflects Comarch’s commitment to customer-centric growth and technological excellence.

Łukasz's work focuses on large‑scale partnerships with governments, universities, NGOs, and industry to accelerate AI adoption and build an inclusive, future‑ready workforce. With more than a decade at Microsoft, he has supported strategic innovation across Central and Eastern Europe, including cloud, developer, and digital‑native ecosystem growth.

In Comarch since 2003, starting as a programmer in various projects. After 2 years, he moved to the area of the insurance industry, which he has been developing for over the last 17 years.

Strategic Advisor in Financial Services

Joanna Witsch is a loyalty expert with 18 years of international experience across both client and consultancy roles. Based in Dubai, she works at Comarch, helping clients design and grow successful loyalty programs. She previously held senior positions at Chalhoub Group and Alshaya, bringing deep regional expertise in customer engagement and program operations.

David specializes in evaluating and addressing intricate business challenges and process enhancements that extend across functional departments, disciplines, and systems. David has over 35 years of experience in IT and utility operations at Pacific Gas and Electric Company. During his career at PG&E, David served in several capacities including utility capital improvements project manager, division support service manager, manager of IT infrastructure project delivery, manager of IT application project delivery Center of Excellence, and chief of staff to the vice president of IT infrastructure operations, driving cross department planning, budgeting, and process improvement. David retired in 2018 as a chief solution engineer. In 2020, David was appointed as the principal project manager to deliver PG&E’s Operations Support System - Telecom Network Portal Project, a complex, multi-year effort. Additionally, this year David was appointed as the change management leader for PG&E’s Electric Vehicles Socket of the Future Project. David served 5 years with the United States Naval Mobile Construction Forces (Seabees) with deployments in the US Pacific Territory and the British Indian Ocean Territory.

Sven Neweling is responsible for the operative und strategic management of the loyalty program BahnBonus at DB Fernverkehr AG (the long distance railway company of Deutsche Bahn). Prior to that he worked at several management positions with Deutsche Bahn AG in pricing and business development.

Mariusz Zwolski specializes in the Comarch Factoring Platform, bridging the gap between advanced technology and practical business needs. He focuses on providing comprehensive system presentations and preparing customized system implementation offers that optimize transaction flow. His goal is to help financial institutions fully leverage the potential of CFP to achieve maximum automation of transaction flow.

Global insurance executive with a track record of designing and executing strategy, driving transformation and innovation including delivering top and bottom-line results. Founder-President- CEO of CCN Group, providing EU-wide InsurTech Claims management Services.

A seasoned IT expert with 25 years of experience, he has progressed through every level of the IT career path—from Software Developer and Project Manager to Scrum Master, Agile Coach, and Head of PMO. A graduate of Computer Science at the Silesian University of Technology with a Master of Engineering degree. For the past 6 years, he has been leading the Business Unit dedicated to the Comarch Factoring Platform (CFP). He is responsible for the entire product lifecycle, including production, implementation, service, and consulting, while also overseeing strategic sales and marketing efforts. His unique background allows him to perfectly bridge technical excellence with strategic business development in the factoring industry.

Paula Thomas is the Founder and CEO of Let’s Talk Loyalty and Loyalty TV – the industry’s leading podcast and online TV channel. She is affectionately known as the “Oprah of Loyalty” and in 2025, she was awarded the prestigious title of “International Loyalty Personality of the Year.” To date, the “Let’s Talk Loyalty” podcast has been downloaded over 400,000 times, and the show has been ranked in the top 2.5% of all podcasts worldwide. Loyalty TV episodes have been watched over a quarter of a million times on their Youtube channel! “Let’s Talk Loyalty” and “Loyalty.TV” feature interviews with the world’s leading loyalty practitioners. Global/Fortune 500 brands who have appeared on these shows include McDonald’s, Microsoft, Ikea, American Airlines, Emirates Airline, and Boots (UK) among others. The show has released over seven hundred and fifty episodes to date! She is a former judge for the “International Loyalty Awards,” and the author of the book “Driving Loyalty in Convenience Retail.”  She holds an Executive MBA from Ireland’s top university and is a “Certified Loyalty Marketing Professional.”  Paula is from Ireland, she is married and she lives in Dubai. She loves travel, music, dance, and true crime stories.

Sudapa Chamod is a strategic thought leader with a 30-year career specializing in the management, delivery, and operation of advanced IT solutions for multiple retailers in Asia. In her current role, Sudapa leads Digital Retailing Initiatives and oversees IT services for Home Product Center PCL (HomePro; HMPRO), ensuring the organization remains at the forefront of technological advancement within the industry.

With nearly 20 years of experience leading customer‑centric innovation, digital strategy, and loyalty initiatives, Debora played a key role in building KMV – Km de Vantagens, one of Brazil’s largest loyalty programs and a pioneer in the fuel distribution sector, which she now leads. Throughout her career, she has worked at the intersection of technology, customer experience, and commercial strategy, partnering with cross‑functional teams to design and scale loyalty and engagement programs that enhance company performance. Debora also oversees the company’s fleet management platform, driving product evolution and digital impact across the organization.

Redesigned strategic vision of financial group loyalty ecosystem to become top 2 player in the market. Created and scaled a leading retail loyalty program in Chile in the retail industry, in a 2-year journey. Launched and scaled a leading loyalty program in Colombia in the retail industry, designing it from scratch, implementing the technology stack and scaling it through their channels (direct and indirect). Defined Colombia’s biggest retail bank loyalty strategy and supported the negotiating strategic partnerships to create the leading coalition in Colombia. Revamped the customer loyalty strategy for a specialty retail in Brazil, with more than 20 million users; assessed value created for each stakeholder of the ecosystem and designed and piloted 20 initiatives to accelerate the program’s P&L impact. Optimized a leading airline loyalty program and grew its direct revenues by 60% in only 18 months. Assessed airline FFP valuation for an international private equity player; developed growth plans and assessed overall sustainability of the business. Supported a leading bank in Latam to optimize its loyalty program.

Nyeleti Sue-Angel Nkuna is a global customer loyalty strategist specialising in data-driven personalisation and omnichannel engagement. Her career bridges advertising, TV broadcasting, and management consulting — having held roles at Ogilvy & Mather, Deloitte Digital, VML, and the LEGO Group — giving her a rare combination of creative instinct and strategic discipline.Over two decades, she has designed customer engagement and loyalty strategies for leading brands across automotive, healthcare, and consumer goods. Her work spans continents, from South Africa to Denmark, reflecting both her international outlook and her ability to adapt strategy to culture and context.She holds a BA (Hons) in Film and Television and an MBA from the University of the Witwatersrand, with elective studies in International Business and Strategy at Copenhagen Business School. A seasoned moderator and presenter, Nyeleti is known for leading conversations that are as rigorous as they are human — drawing insight from guests while making every exchange feel genuinely connected.

A senior executive with over 15 years of experience in loyalty strategy and product management, he has led the evolution of large‑scale loyalty programs, driving innovation, customer engagement, and sustainable value. His career is marked by initiatives that enhance customer experience and establish loyalty programs as key strategic assets for their organizations.

An executive with over seven years of experience in loyalty and the aviation industry, combining an engineering background with a postgraduate degree in business management. Her work involves market repositioning, product development, and initiatives that support customer acquisition and program performance for a loyalty program with more than 20 million registered customers. She also leads initiatives aimed at generating value for high‑frequency and high‑spend customers, strengthening engagement and contributing to innovation within the Brazilian loyalty market.

José Luis Cortés is a global product leader in e-invoicing and digital compliance with over 20 years of experience across Europe, Latin America, and North America. He currently serves as Principal Product Manager at JAGGAER, where he leads global e-invoicing compliance strategy across 50+ jurisdictions, spanning clearance, post-audit, and PEPPOL models. Throughout his career at JAGGAER, OpenText, and during the early evolution of electronic invoicing in Mexico, José has specialized in translating complex regulatory mandates into scalable, enterprise-ready solutions.

Christopher Schwaiger is the Head of Performance Excellence within Group Finance at Plansee Group Functions Austria GmbH, where he drives cross‑functional efficiency, process standardization, and digital transformation across the finance organization. An Austrian national with a degree in economics, he has been part of the Plansee Group for more than 10 years, working across several areas within Group Finance, including serving as an AP Process Expert.Christopher plays a key role in shaping Plansee’s global e‑invoicing strategy, focusing on governance, compliance, and the implementation of scalable digital solutions. Known for his solution‑oriented mindset, he is deeply involved in the cooperation with Comarch, supporting a partnership aimed at simplifying complexity, increasing transparency, and establishing reliable end‑to‑end invoice workflows.

Wim Smets is a freelance Transformation Executive that loves challenges. He reorganizes IT departments of multinationals and governments and has led complex IT transformation programs in most European countries, the US and Asia. When he is not working, he seeks his challenges in the outdoor. He has participated in 8 expeditions to the death zone and in a North Pole expedition. He ran ultra trails and a marathon in the Sahara. He gives keynotes where he combines his transformation experience with the lessons he learned during extreme challenges all around the world and he wrote a book about these lessons.

Andrzej Wasilewski is responsible for the Operations and Technology area. In his twenty-five-year professional career, he has held various roles in claims handling, product development, underwriting, and transformation, working for leading insurance groups such as PZU, Ergo Hestia, Aviva, and Vienna Insurance Group. He is a graduate of the Faculty of Law and Administration at the University of Gdańsk and the Executive MBA program at GFKM (Erasmus University Rotterdam). An attorney-at-law and arbitrator at the Court of Arbitration at the Polish Financial Supervision Authority (KNF), he has been an active member of the Polish Insurance Association (PIU) for years, engaging in numerous projects aimed at the systematization and development of the market.

Moustapha Kharbouch is a co-founder of The Ensur Company, a consultancy firm active in the insurance and pension industry. He specializes in business strategy, M&A, and corporate growth. Moustapha assists clients with large scale transformations focusing on digital innovation & growth.

Over the past quarter-century, Marcus Laube has concentrated on innovating services within the realms of electronic invoicing and Integrated Digital Trade, successfully penetrating both Business-to-Business (B2B) and Business-to-Government (B2G) markets.   In his capacities as Founder, Managing Director, and Board Member at various service providers, Marcus has significantly influenced the strategic direction, organizational structure, and product offerings of numerous global corporations. He has actively participated in European Commission working groups and provided consultancy to governments and official bodies on optimal strategies for implementing electronic invoicing solutions.   Marcus is a recognized pioneer in the industry and used to hold various influential positions in prominent associations. These roles still include Secretary General of the Global Exchange Network Association (GENA) in Brussels, Belgium; and used to include Chairman of the Verband elektronische Rechnung (VeR) in Munich, Germany; and Chairman of the European Fintech Alliance (EFA) in Berlin, Germany.   Since taking over billentis in 2023, he has established the company as a leading consultancy in the field of e-invoicing, tax compliance and Integrated Digital Trade. billentis has shared its extensive expertise with over 200 solution providers, governments and invoice issuers and recipients from more than 50 countries, helping them to succeed in the ever-changing world of digital invoicing.

Bartłomiej Wójtowicz is the Head of Comarch E-Invoicing Consulting Team and a business automation expert, who has over 15 years of experience in helping companies go digital and optimize their key processes. He was previously responsible for product development in the area of B2B Network and electronic invoicing.

Founder and CEO of the Purchase to Pay Network (PPN), Ellen is passionate about creating a platform that offers the community a space to learn, network and develop. PPN shares best practice advice, conducts market research, industry news, jobs, the annual P2P Summit, awards, masterclass roundtable events, webinars, Future of Finance Lectures, and podcasts. The Network also offers technology partners a chance to connect with new channels and enjoy being a part of a real P2P community. Ellen is creative in bringing together leaders across Finance, P2P, AP and Procurement - elevating careers, passionate about people, processes that work and technology that does what it says it will. Since 2024 Ellen Co-Founded and Chairs the UK eInvoicing Advocacy Lab (UKeLab) – a multi-stakeholder group that advocates for eInvoicing as a public policy priority in the UK and were contributors to the HMRC public consultation.

John serves B2C marketing professionals to help them develop best-in-class customer engagement programs and strategies with a focus on increasing both brand loyalty and profitability. His research spans consumer attitudes towards loyalty, loyalty strategy, program best practices, loyalty measurement, and the landscape of tech and service providers that enable loyalty and retention marketing initiatives.Before joining Forrester, John spent over 27 years working in leadership positions within the Brierley & Partners organization, where he partnered with the world’s leading brands to design, implement, and support highly successful programs including GameStop, Hard Rock, 7-Eleven, and JCPenney.

Luke is a Director with Alvarez and Marsal. He has been focusing on tax technology since 2012. He has held multiple positions across Europe and the Middle East and is an e-Invoicing and VAT technologies SME. Luke is a tax technologist that specializes in global e-Invoicing compliance, finance/tax transformation, VAT determination, and compliance. He is a functional specialist that predominantly focusses on requirements gathering and process reengineering for tax-technology projects. Luke has spent the previous five years supporting KSA e-Invoicing implementations, including SAP DRC, Edicom and Pagero. The previous 18 months he has focused on UAE, Oman, Poland, Germany, and France. He also has extensive experience in finance and technology transformations, including SAP S4HANA. While his predominant focus are private clients, he has previously supported a Middle Eastern Tax Authority’s SAP Tax and Revenue Management (TRM) implementation.

Kamila specializes in global e-Invoicing and EDI projects. She treats it as her duty to identify the business needs of her clients. She uses her experience of working with various large producers and retailers to identify areas that can be improved by process automation. She is focused on providing tailor-made solutions and professional guidance to companies interested in digitization, ensuring that they harness the full potential of Comarch’s comprehensive digital ecosystem.

Mostapha Abdelaziz is a Consulting Sr.Manager at Comarch and a leading Subject Matter Expert in global E-Invoicing, VAT compliance, and ERP transformation. With over 15 years of cross-functional experience, Mostapha bridges the gap between complex tax legislation and technical execution. He specializes in conducting deep-dive impact assessments and leading large-scale VAT solution implementations for global enterprises. At Comarch, he acts as a strategic advisor to tax leaders, helping them navigate the shifting regulatory landscape to build streamlined, future-proof compliance ecosystems. A champion of "Inquiry-Led Innovation," Mostapha is known for fostering a culture of curiosity that transforms regulatory hurdles into competitive advantages.

Manager at Uber, leading AI and transformation initiatives within the global tax & E-Invoicing functions. Based in Amsterdam, Luai builds practical AI systems that automate complex compliance and e-invoicing workflows.

A senior finance leader with international experience across a range of high profile commercial roles. Possesses a combination of strong technical accounting skills and operational exposure to bridge between business objectives and rigorous financial governance. Recognised for successfully assembling, leading and developing high performance finance teams, combining robust performance management with strong leadership to deliver a best-in-class finance service. Instrumental in leading major finance change initiatives to improve internal accounting controls, compliance and financial management. Demonstrable success in all aspects of accounting and analysis of financial data to produce insights for C-level leadership that clarifies and drives business performance.

Zeeshan is an experienced Tax Professional with over a decade of expertise, built across both in-house roles and leading global firms like the Big 4. Currently working in an in-house capacity, he brings a strong track record of navigating complex tax landscapes and ensuring compliance. His blend of technical knowledge, hands-on experience, and data analytics skills enables him to consistently deliver results and drive value.

Founder and Managing Partner of Envolved and one of the pioneers in the field of CRM and loyalty in Europe. The industrial engineering graduate began his career in strategy consulting at Roland Berger. As co-founder of PAYBACK, Jan Boluminski played a key role in building the core structures of the leading multi-partner loyalty program, serving as CIO and CTO. In addition, he was the only external member of the advisory board of Lufthansa Miles & More for over five years. Today, he advises international companies on customer centricity, data driven business models, and the development of sustainable CRM and loyalty strategies. He is also actively involved with Startupbootcamp, supporting entrepreneurs in building new business models and customer-focused growth strategies. His core expertise lies in top-management strategy consulting, the development of holistic customer centricity and loyalty strategies, and company building and development.

A seasoned director with over 15 years’ experience in e‑commerce and digital at Clarins, Ludovic Provoost leads CRM solutions and especially loyalty. Over the past three years he has driven the roll‑out of a core loyalty model across nearly 20 countries, maximizing solution value for live markets while establishing a robust, efficient build‑and‑run organization and end‑to‑end processes to sustain growth and performance.

Alana is Head of Qore, Peru's leading bank's loyalty program (launched march 2025). Since its launch, the program has quickly gained traction among clients and partner brands, with over 2MM customers and an ecosystem of over 200 partner brands. Before leading the Loyalty Program, she led the bank's CX strategy and innovation lab.

Jakub works as an analyst in the Legal Compliance team within the Comarch e-invoicing/EDI Business Unit. He focuses on executing data exchange and document management projects in regions where legal regulations for e-invoicing have been implemented.

The hands-on CRM & Loyalty expert with an extensive international project background is co-founder and Managing Director of Envolved Poland. As graduate from University of Cologne and Stockholm School of Economics, since the beginning of his professional career he has been guiding brands – mainly from retail, services, media and tourism – in customer-centric strategies, business development and system & process implementations. He is one of the leading loyalty specialists in Poland, previously - among others - heading the position of Consulting Director and Board Member of Swiss Post Solutions Poland and VP of the Polish Direct Marketing Association. He is highly proficient in CRM strategies, dialog marketing and loyalty platforms and passionate about the possibilities of technology and data in overall customer management.

Zahal Levy is a distinguished figure within the health industry and the health- insurance sector in Central and Eastern Europe, an accomplished entrepreneur, and a pioneer in the advancement of private healthcare services throughout the region. Zahal shaped by a richly multicultural environment, he pursued studies in marketing and psychology. He commenced his career the international health insurance industry, where he swiftly established a reputation as a leading professional and earned membership in the prestigious MDRT International insurance organization. In the early 2000s, he founded the region’s first private ambulance service, SOS Medical. In this capacity, he played a pivotal role in the development of some of the earliest public–private partnerships within the healthcare sector, working in close collaboration with governmental authorities and international partners. During his tenure with Euromedic International, he was instrumental in the establishment of an extensive network of state-of-the-art diagnostic centres, thereby significantly strengthening the region’s private healthcare infrastructure. He subsequently founded MediHelp International, which he developed into a prominent regional provider of private health insurance, renowned for its innovative solutions and international coverage. In recognition of his contributions, he was awarded the title of Doctor Honoris Causa by Aurel Vlaicu University of Arad, and was honoured with the title of “Sir” by the Order of the Knights of Malta.

With 19 years of experience in the insurance technology sector, Sławomir specializes in financial and accounting modules. He is a passionate advocate for AI and Machine Learning, driven by the philosophy that the best IT experts are "efficiently lazy"—always seeking to automate repetitive tasks to eliminate operational bottlenecks. Currently, he focuses on implementing ML models that transform quality control from a manual burden into a strategic asset.

Dr. Maciej Jakubowski is an insurance expert and academic lecturer with a strong background in corporate underwriting. As a Senior Business Analyst and Certified Professional Scrum Product Owner, he specializes in the development of sophisticated, technology-driven products for the insurance sector. He is deeply fascinated by the potential of AI, currently focusing on exploring innovative solutions designed to redefine the industry. Outside of work, he finds balance as a dedicated runner and a chess player.

Playing for 25+ years a key role in the SAP environment of Signify (formerly Philips Lighting), Jan has built a lot of experience in the area of Finance processes - first as an IT consultant, later as a Process Owner, and currently as a Senior Project Manager. During the last few years, focusing on the areas of Accounts Payable and Compliance, he was the driver behind the onboarding of Comarch as a global provider. With the combination of his expertise on both the IT and Finance sides, he is well-placed to drive the implementation of e-invoicing projects and to share (some of) these experiences with a broader community.

Athanasios Sbonias is a Customer Experience Manager in EKO with strong expertise in loyalty programs, digital products, and customer engagement. He has led large‑scale loyalty initiatives, managed strategic partnerships, and supported the launch and evolution of customer‑centric digital platforms, focusing on measurable business impact and improved customer experience. During his past roles in the banking sector, he has worked extensively on loyalty and engagement programs linked to card usage and everyday transactions. His experience includes the development of card‑linked rewards, partner‑funded offers, and data‑driven loyalty mechanics aimed at increasing customer spend, activity, and lifetime value, while operating within the regulatory and trust requirements of financial services.

Abhinav Mangla is a Director at PwC Middle East, leading eInvoicing and digital tax transformation initiatives across the GCC. He has been instrumental in establishing PwC’s UAE eInvoicing practice and has advised a broad range of organizations on regulatory readiness, solution design, and the implementation of eInvoicing frameworks. In addition to eInvoicing, Abhinav has led technology-enabled transformation projects across Corporate Tax and VAT, helping organizations align their tax, finance, and IT functions with evolving regulatory requirements. With a strong focus on integrating business, tax, and technology, Abhinav brings practical, market-driven insights into how organizations can navigate the evolving eInvoicing landscape and implement scalable, compliant solutions.

Managing Partner joined CVC in 2008. István oversees CVC's private equity activities in the CEE and MEA regions and is based in Dubai. Prior to joining CVC, he was a partner with Advent International. Prior to Advent, István was a founding managing partner of Eastern Heritage Capital, a Swiss asset management firm. István holds an MBA from the Wharton School of the University of Pennsylvania.

Product Manager at Comarch Communications with 15+ years’ experience in the telecommunications industry working for mobile network operators and OSS platform vendors. Supporting OSS products and solutions development with strong focus on transport networks.

Over 10 years of experience in Petron’s Retail IT department as a Project Manager managing and delivering large-scale technology initiatives involving payment systems, point-of-sale integrations, loyalty and payment platform and operational transformation projects across nationwide service station networks. I am now managing Petron’s loyalty program, overseeing customer engagement initiatives in loyalty operations and redemption programs, customer retention strategies, and large-scale loyalty transformation activities, with a strong focus on improving operational efficiency, customer experience, and digital innovation.

Luiz Paveloski joined Comarch in May 2015 as a Sales Director, building the first Comarch Loyalty team in Brazil. Years later Luiz assumed the territory of Latin America, as Latam Business Director, where he is responsible for the Comarch Loyalty sales strategy and business growth for the region. With more than 20 years working for Global Martech and IT companies, Luiz brings deep regional expertise in CRM and Loyalty.

Customer Loyalty and CRM Manager focused on connecting business strategy, customer experience, and digital innovation to build meaningful and long-term customer relationships. Experience in leading loyalty and customer engagement initiatives across the retail, convenience, and fuel industries, with a strong focus on developing customer-centric strategies that drive both business sand brand connection.

Ros Netto is the Global Head of Rewards at Virgin Active, executing all rewards initiatives across South Africa, the UK, Italy, and Australia. Her expertise is rooted in a strong background in loyalty consulting, where she developed successful rewards solutions for clients both locally and internationally.

Kia Abbott is the Virgin Active Chief Customer Officer, working across Virgin Active's global territories to build a deep understanding of customer, driving engagement and value at each stage of the member journey, and delivering higher member retention and stronger participation across the Virgin Active proposition.

As a Strategic Product Leader with over 10 years of experience, I specialize in driving digital transformation by aligning technical roadmaps with high-level business objectives. I have focused on maximizing product value through the development of digital channels and omnichannel strategies, specifically loyalty programs to enhance the retail customer journey. With a background spanning software engineering and business analysis, I bridge the gap between complex technical flows and commercial ROI. I am an expert in leading multidisciplinary teams under Agile frameworks to deliver scalable Ecommerce/Loyalty solutions that prioritize user experience and operational stability.

Karol Tajduś serves as the Chief AI Officer at Bank Pekao S.A., where he heads the AI Transformation Department. He is responsible for building the AI product portfolio for one of Poland’s largest financial institutions, effectively bridging the gap between high-level strategy and real-world implementation. Karol specializes in Generative AI (GenAI), data-driven transformation, and the scaling of AI solutions within the financial sector. A recognized thought leader, he is a frequent speaker at industry conferences and an author of numerous publications focusing on artificial intelligence and data science.

Arsalaan Ahmed (Oz) is a banking and FinTech leader with over 20 years of experience spanning digital and conventional banking across the UK, the Middle East, and Asia, with a particular focus on the intersection of Islamic finance, AI, and ethical innovation. He is currently CEO and Board Director of Berjaya Capital Berhad, the investment arm of Berjaya Corporation, and advisor to Syngentix Pte Ltd, a Singapore-based conversational agentic AI company serving financial services. Oz has served as CEO of two international banks for over seven years. At HSBC Amanah Malaysia, he led the bank to reclaim the top position among foreign Islamic banks and drove its transformation into a sustainable banking entity. At Al Rajhi Bank Malaysia, he oversaw record financial performance and launched the award-winning digital bank rize. He was a Founder of UK based mmob, an Open Banking-regulated FinTech specialising in embedded finance, and also a founding member of a consortium building an AI-enabled Shariah-compliant digital bank in Southeast Asia.

Established and accomplished digital finance expert and an ardent advocate for impactful financial planning with over 17 years in the industry. Renowned for pioneering innovative digital campaigns and forging strategic partnerships, led with a mission to blend global wealth platforms, sustainability, and fintech innovation. A thought leader committed to advancing financial services, focusing on utilizing technology to enhance financial inclusivity, sustainability, and the individuals’ economy health.

With nearly 18 years of experience in banking and financial technology, Saurav Vasudeva is a seasoned Program manager and treasury transformation consultant specializing in Capital Markets, Treasury, Risk, investments, brokerage and Digital Banking across APAC, EMEA, and the Middle East. He has advised and delivered large-scale treasury transformation programs for leading global financial institutions in Europe, including LBBW, Deutsche Bank, Banque Palatine, HSH Nordbank, and OP Financial Group. In India, he has supported major transformation initiatives for Punjab National Bank, Canara Bank, and Jana Small Finance Bank, driving treasury system implementations, risk platform modernization, and end-to-end business process transformation. Currently, he serves as Program Manager at Commercial Bank of Qatar, leading enterprise-wide transformation programs across Brokerage , Risk management , investments and Treasury.His work focuses on delivering measurable business outcomes through digital transformation, regulatory compliance, operational efficiency, and revenue growth.

E-Invoicing Consulting Director responsible for the DACH region at Comarch as well as leading projects in France, BeNeLux and Nordics. Michał deals with customer projects for digitization of enterprise processes such as O2C or P2P from the perspective of e-invoicing, EDI or OCR.

Leen Al-Abed is a Senior Segment Manager at Bank al Etihad, specializing in wealth management and affluent banking strategy. She leads the development of client value propositions, investment products, and segment frameworks targeting high-net-worth and mass affluent clients, with a focus on driving assets under management growth and enhancing client engagement. With a background spanning financial advisory and portfolio management across Jordan and Qatar, Leen combines front-line advisory expertise with product and digital strategy. She has played a key role in building investment offerings, structuring client propositions, and aligning business, technology, and distribution to scale wealth management capabilities. Her work focuses on translating market opportunities into practical, revenue-generating solutions tailored to affluent clients.

Monika Olszówka is VP of Sales at Comarch Financial Services, specializing in wealth management technology across the MENA, ASEAN and European regions. She leads business development efforts targeting private banks, financial institutions, and wealth managers seeking to modernize their platforms – from portfolio management and client onboarding systems to the core infrastructure that supports growth at scale. With a background spanning digital transformation projects across the Middle East, Monika combines deep product knowledge with a client-first approach built on long-term relationships. She has worked with a range of financial institutions on complex implementation journeys, bringing both commercial and operational perspective to each engagement. Her work focuses on translating business needs into practical technology solutions – without shortcuts and with a genuine commitment to outcomes that last. She closely follows the development of AI and agentic systems in wealth management, and actively shares her perspective on where real business value lies amid the broader market conversation around financial services automation.

Suri as he known has close to 20 years of experience across multiple industries, including Banking, Advertising, Insurance, Fashion, E-commerce, and Oil & Gas. He joined Emirates National Oil Company (ENOC) as the Head of Loyalty, with the task of designing and launching a rewards program for consumers in the UAE, along with the first Fuel Rewards Program. Suri played a pivotal.role in launching the first fuel cobrand in the region and further went on the launch Travel and Leisure solution into the Yes Rewards Program. He has won a number of accolades and has multiple podcasts on Omnichannel strategy , CRM and Loyalty.

Lilia Boughazi has spent over 15 years in consulting and compliance, including several years at KPMG advising banking and real estate clients, before founding the firm. She is a member of France's National E-Invoicing Forum and their "Best Practices" working group. With her team at Lexora, she works with a clear conviction: e-invoicing is not just a compliance project, it is a chance to rebuild finance processes the right way.

Amanda Cromhout is the founder and CEO of Truth Loyalty, a global loyalty consultancy. She is also the founder of the Blind Loyalty Trust and the author of "Blind Loyalty 101: Loyalty Concepts Radically Simplified.” Amanda is a renowned keynote speaker on customer loyalty, customer centricity, and the authenticity of doing good whilst doing business through her keynote about the Blind Loyalty Trust.