We Bring Results.
Our Mission
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Our mission is to set standards and build an ethical and transparent payment and banking industry where everyone is properly trained and informed, and no one benefits from anyone's lack of knowledge.
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Today in the banking and payments sector we have no standardised approach nor globally accepted qualification, which means anyone can present themselves as an expert regardless of their real knowledge or expertise. This poses serious risks.
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Uneducated advice on any payment and banking function can cause major financial loss, harming businesses, individuals, and the wider society.
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Just like investment advice, banking and payments also require a standardised, regulated approach which provides protection against biased and unqualified recommendations, uneducated advice, and running fund decisions on guesswork.
We create these standards.
Viktoria Soltesz
Who is Viktoria Soltesz?
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Author of the “Moving Money - How Banks Think” and "CPayO - The Chief Payment Officer" books
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Speaker at international conferences
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Former lecturer at the University of West London
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EU Certified trainer
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Business Woman of the Year 2023 & 2025
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Payment Consultant of the Year 2023, 2024 & 2025
OCTOBER 2023
Understanding
the Need
MARCH 2024
Establishing the Institute
AUGUST 2024
HRDA-approval
SEPTEMBER 2024
Establishing the Partnerships
SEPTEMBER 2024
Official Launch
NOVEMBER 2024
Extensive List of
Guest Lecturers
JANUARY 2025
Private Courses
FEBRUARY 2025
Masterclass Series
APRIL 2025
Best Payments & Banking Educational Platform Award
MAY 2025
Best Payments & Banking Education Award
JUNE 2025
Partnership with BePro initiative by the Sheikha's Office
JULY 2025
Islamic Finance
SEPTEMBER 2025
The Chief Payment Officer Concept
DECEMBER 2025
Partnership with AIM Global Foundation
March 2026
MBA – The First and Only EU MBA in Payments and Banking
April 2026
Winner • Business Excellence Awards
Guest Lecturers
David Kikvidze
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Mr. Kikvidze is an experienced professional in Regulatory communications, Fintech business models, Stakeholder engagement and Networking.
Marcia Klingensmith
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Marcia's holistic view of the evolving payments ecosystem enables her to help financial institutions and fintechs navigate complex modernisation journeys. She focuses on practical solutions across various payment innovations, guiding clients through strategy, implementation, and delivery in today's dynamic landscape.
Dato Varsimashvili
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Dato regularly conducts internal training sessions on AML topics, organizational code of conduct, and the business model and strategy of the institution.
Mark Wagner
Alysson Smith
Georgia Papa
Ketevan Aghoshashvili
Joris Lochy
Anna Agu
Irakli Arjevanidze
Vassilina Walford
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The multifaceted nature of payments demands a skillset that transcends traditional boundaries, merging technology proficiency with financial expertise, customer-centricity, innovation, customer lifecycle management, data analytics and leadership.
Cezary Zieniuk
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Cezary is a founder of IBCCS TAX Group and co-founder of regional offices of IBCCS TAX in Cyprus, Georgia, Estonia and Armenia. Cezary helps people and enterprises to plan their businesses and investments in tax-efficient manner. He specializes in international tax planning, tax advice, corporate management, business consulting.
Elliott Locke
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Additionally, he has deep experience with early stage fintechs, having participated in various incubation and acceleration programs, including fintech-focused Tenity and MasterCard's MasterCard for Fintech Programme. Elliott holds degrees in Business Economics and qualifications from the Chartered Institute of Securities and Investment. Originally from the United States, Elliott has resided in Europe for over twenty years in both Brussels, Belgium and Barcelona.
Jade W. Dagher
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He earned his Certified Management Consultant, CMC® designation and is always working on finding solutions for professionals aiming to expand their business and their retirement. Jade believes in the power of planning, organization, and discipline to be able to expand to a different level. He leverages also the power of technology and continuous learning.
Kyler Cheatham
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Known for disrupting outdated industry norms, Kyler specializes in high-impact, speed-to-value tech implementations, helping organizations maximize ROI through strategic execution and data-driven decision-making. She’s an expert in leading teams through change, transforming technology into a growth engine rather than a bottleneck. Beyond her career, Kyler is a dedicated mom, community leader, and advocate for women in technology. She’s redefining how organizations approach enterprise applications, AI, and ERP—pushing the industry forward, one transformation at a time.
Stylianos Kampakis
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His seminal work in token economics has led to many successful token economic designs using tools such as agent based modelling and game theory. He is a member of the Royal Statistical Society, honorary research fellow at the UCL Centre for Blockchain Technologies, the Cyprus Blockchain Centre, a data science advisor for London Business School and CEO of The Tesseract Academy.
Jutta Pinko
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Jutta
specializes in helping founders and companies build smarter, safer financial
systems with strong narratives and lean, scalable infrastructure. Her mission
is to empower entrepreneurs and creators to turn any business into a fintech
business - ethically and sustainably.
Mahmoud Ismail
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His deep expertise in global payments and acquiring is enhanced by a well-established professional network. Currently, as Chief of Staff at Adyen MEA, Mahmoud also leads the acquiring and operations functions, overseeing product strategy, card network relationships, local partnerships, and regional expansion.
Justin Hanna
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I am passionate about delivering the highest levels of customer service and satisfaction, and I work closely with our partners and stakeholders to ensure we provide customer-led solutions that enable businesses to accelerate their growth and improve their liquidity, operational efficiency, and user experience.
Eyal Sivan
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Since its launch in 2020, the podcast has grown to over 90 thousand listeners and won several awards, with Eyal being recently recognized by Open Future World as the number one Open Finance Influencer in the world. Today, Eyal is the General Manager for North America at Ozone API, global pioneers of open banking whose platform powers some of the largest and most advanced data sharing ecosystems on the planet. In his role, he is responsible for expanding the firm's global position as a leading open banking solution provider to the United States, Canada and beyond.
Filippo Bergamin
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As a Partner at Intergic, Filippo brings the expertise gained from working with fintech unicorns, European scaleups, startups, and Italian banks, continuously driving innovation in the payments landscape.
Kenneth Rijock
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He is the only professional in North America who has served as a banking attorney for 17 years, a career money launderer for 10 years, and a compliance consultant in anti-money laundering (AML) for more than 30 years.
He is the author of the widely followed "Kenneth Rijock’s Financial Crime Blog" (rijock.blogspot.com), which has been active since 2011, and his autobiography, The Laundry Man.
Kenneth is also a Vietnam War veteran, having served in 1969 and 1970. His unmatched experience provides deep, first-hand insights into the mechanics of financial crime, enforcement, and global compliance practices.
Sergejs Svircenkovs
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Known for a fresh, energetic management approach, Sergejs keeps Elcoin closely aligned with market trends and audience needs, ensuring the company remains agile and forward-thinking in its daily operations.
Guided by the insights and recommendations of Elcoin’s co-founders, Sergejs leads with a balanced decision-making process that considers both current challenges and time-tested business wisdom, driving the company’s continued growth and relevance.
Edward Miller
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Edward has particular emphasis on disputes involving financial services, high value commercial contract disputes, arbitration, trusts and chancery and cross-border work. Edward has conducted numerous high value and complex commercial litigation and international arbitrations, including before the LCIA, ICC and LCA.
He has experience of European work, as well as cases from Russia (CIS), Asia, the Middle East, and Africa
Julian Goffin
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He has built many companies over the time and successfully brought companies from a standing start to multimillion pound revenues.
Mohammed Zubair
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Apart from the Chief Executive officer of AlHuda Center of Islamic Banking and Economics, he is also founding director of “Islamic Microfinance Network” and Chief Editor of “’Islamic Microfinance News” – A dedicated Magazine on Islamic Microfinance. Zubair earned a M.Phil degree in Islamic Microfinance, and M.sc degree in Mass communication and also Research Scholar for Ph.D. He contributed his expertise of Islamic Finance in 40+ countries with Multilateral organization e.g. IFC-World Bank, UNDP, Islamic Development Bank,ADB, Yemen Microfinance Network etc. for poverty alleviation and social development.
Kanchan Saxena
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She holds a B.A. LL.B., a Diploma in Cyber Law, and an LL.M. in Law and Technology with a specialization in cybersecurity and intellectual property rights. Her professional certifications include PCI DSS Qualified Security Assessor (QSA), ISACA Certified Information Security Manager (CISM), ISO 27001:2022 Lead Auditor, and ISC² Certified in Cybersecurity.
Anastasia Zencika
Christopher Salgado
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He’s an expert at social engineering, threat management and corporate risk. Top Investigator of the Year by PI Magazine (2024), he is also a member of the London Speaker Bureau. Christopher has trained and presented to leading corporations, law firms, and law enforcement including the FBI, HSI, ICE, CBP, DEA, RCMP, Toronto Police, Interpol, Europol, and members of the European Commission.
Marios Skyrianides
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His work centres on scalable value creation, risk aware execution, and strategic alignment, alongside delivering professional education in finance, investment, Forex, GDPR, AML, tourism, and hospitality.
Thomas Giacomo
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He previously served as a member of the management team of the BSV Blockchain, overseeing open-source core infrastructure, developer tools, and blockchain-as-a-service products, including wallets, tokenization platforms, APIs, transaction processors, and infrastructure services.
A seasoned venture builder, he has launched over ten blockchain products in partnership with traditional Web2 players. He has also founded three ventures that were successfully scaled and sold, spanning fintech, higher education services, and hospitality. Thomas is a university lecturer, international conference speaker, and start-up judge, with academic training in finance, entrepreneurship, and research, and professional certifications in AI, web development, and Bitcoin technologies.
Ehud Tal
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Skilled in leading global teams, fostering a dynamic and productive work environment, and inspiring personal excellence and growth.
He leads the fintech department at Teranode Group, where he focuses on redefining financial market infrastructure through faster, more efficient, and lower-cost blockchain-based solutions. He previously served as a member of the management team of the BSV Blockchain, overseeing open-source core infrastructure, developer tools, and blockchain-as-a-service products, including wallets, tokenization platforms, APIs, transaction processors, and infrastructure services.
A seasoned venture builder, he has launched over ten blockchain products in partnership with traditional Web2 players. He has also founded three ventures that were successfully scaled and sold, spanning fintech, higher education services, and hospitality. Thomas is a university lecturer, international conference speaker, and start-up judge, with academic training in finance, entrepreneurship, and research, and professional certifications in AI, web development, and Bitcoin technologies.
Jeroen van Dijk
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Jeroen van Dijk brings experience from previous roles at PaymentGenes and Connective Payments - Value Creators in Payments. Jeroen van Dijk holds a 2020 - 2020 The Mechanics of FinTech and Artificial Intelligence in FinTech and Artificial Intelligence @ Middlesex University.
Summary of experience:
@ Managing Partner of PaymentGenes Academy: trainer in payments (2025-present) @ co-Founder of PaymentGenes Consultancy (2020-present)
@ Managing Director at PaymentGenes (2022-2024)
@ Manager of Transitions at PaymentGenes Consultancy (2020-2021)
@ co-Founder and Manager of Transitions at Connective Payments (2014-2020)
@ Manager of Transitions | Independent Professional (2008-2016)
@ Chairman Supervisory Board at Mollie (2014-2016)
@ VP in Business | Operations | IT | Finance (1997-2007) at Worldline
@ Finance professional at ECT (1995-1997)
@ auditor at Price Waterhouse (1990-1995)
Loukas Priovolos
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Backed by professional qualifications such as ACCA and ADIT, along with a Bachelor's degree in Statistics and Actuarial-Financial Mathematics, he combines deep technical knowledge with a people-driven leadership style. His career is marked by a proven track record of delivering significant cost reductions, fostering effective cross-departmental collaboration, and successfully managing complex projects. He thrives in dynamic environments, leveraging strong analytical and trend analysis skills to generate insights that drive business performance.
Tatjana Meluskane
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Have skills such as leadership and team management, strategic thinking, global business development, ability to make decisions and take responsibility as well as qualities such as determination, initiative, vigor, self-development and perseverance.
Gained experience in various managerial positions and demonstrated excellent business results. Focused on expanding payment solutions globally for e-commerce businesses and building strong, professional Teams as well as lasting, trustful and long-term relationships with clients and partners.
Roger Abouantoun
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Recently he published his first book "Mastering Digital Payments", a guide born from over 17 years of hands-on experience in the industry. he has worked across digital payments, card processing (Credit, Debit, eCommerce, Smart Terminals, ATMs, DCC, BNPL, Digital Wallets, Chargebacks), and risk & fraud monitoring, building a career he's proud of.
Reagen Cook
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She works at the intersection of accounting, data, and systems - helping teams move toward cleaner data, stronger controls, and more scalable finance operations. Particularly interested in how AI is reshaping the foundation of the finance stack.
Ale Aznar
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Providing valuable insights on the latest global trends in eCommerce/mCommerce, Fraud Management and Payments to international Enterprise Merchants, Payment companies/PSPs/MSPs, Tier 1 Retail Banks, Processors, ISOs, IT Providers, Consulting companies... and whomever is keen on learning more about these!
Michelle Beyo
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She is proud that Finavator works with clients such as Prove Identity, Yaspa, and Wellesley Hill Financial. Her work focuses on creating practical solutions that transform financial services and deliver measurable results.
💬 Speaking & Thought Leadership: She is a TEDx and global keynote speaker and has presented at Money20/20 Europe and US multiple times. She hosted a Spotify podcast exploring the future of finance and led the Finavator Masterclass, empowering professionals and organizations with practical fintech strategies.

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Sunset Gardens 102, Exegerseos
Larnaca, 7560
Cyprus


She is a Certified Trainer and used to lecture at the University of West London and is a well known speaker in various industry conferences and summits.
She is also an author, sharing her expertise and advice in the books 'Moving Money - How Banks Think' which was a bestseller and can be purchased on any Amazon marketplace and The CPayO: The Role Which Doesn’t Exist (But Should).
She was Awarded as the Business Woman of the Year 2023 & 2025 and Payment Consultant of the Year 2023, 2024 & 2025.
