Ivo Gueorguiev is Co-founder and Executive Chairman of e-money service provider Paynetics. He is a seasoned investor and banker who co-founded а pioneering retail banking group in Central and Eastern Europe. Before that he helped establish a new financial era in post-Cold War Central & Eastern Europe. A business builder rooted in financial services, he is currently on a mission to redefine payments, including enabling 35 million financially underserved (micro) merchants across the EU to accept card payments on their phones through the first ever purely software POS solution. He built from scratch a group focused on retail banking in CEE, and was previously a senior banker at the EBRD."