BIS Innovation Summit 2023: Technological innovation in an age of uncertainty

21–22 March 2023

The BIS Innovation Summit brings together global policymakers, senior executives from the financial and technology industries, and academics to discuss how technological innovation could help central banks and financial markets to navigate uncertain times and, at the same time, disrupt the landscape in which central banks and financial intermediaries operate.

21 Mar 2023 BIS Innovation Summit 2023
21 Mar 2023 BIS Innovation Summit 2023
21 Mar 2023 BIS Innovation Summit 2023

Cecilia Skingsley, Head of the BIS Innovation Hub, outlines the reasons that are driving central banks' technological experimentation, on what lessons have been learnt so far and the future of central banks' experimental labs.

21 Mar 2023 BIS Innovation Summit 2023

In this high-level panel recorded on 12 March 2023, Governors discuss the road ahead on CBDCs and share their lessons learnt on the work conducted so far on CBDCs and on their current thinking about wholesale cross-border CBDC arrangements.

21 Mar 2023 BIS Innovation Summit 2023

Speakers discuss advanced implementation issues such as legal issues, resilience and the cyber security of CBDCs.

21 Mar 2023 BIS Innovation Summit 2023
21 Mar 2023 BIS Innovation Summit 2023
21 Mar 2023 BIS Innovation Summit 2023

This session focuses on how technological innovation can foster cross-border financial activity. The discussion touches on (a) cross-border payments and how to achieve seamless interoperability, (b) how wallets intersect with the traditional payments infrastructures, and (c) how traditional infrastructure can play a crucial role in modernizing payments.

21 Mar 2023 BIS Innovation Summit 2023
22 Mar 2023 BIS Innovation Summit 2023
22 Mar 2023 BIS Innovation Summit 2023

Are regulatory climate disclosures adequately addressing the information needs for appropriate investment decisions and an efficient allocation of resources? How can technology, in particular big data and artificial intelligence, help address the challenges linked to the use of climate disclosures? How can technology facilitate an effective allocation of resources to green projects?

22 Mar 2023 BIS Innovation Summit 2023

Experts focus on innovative ways that AI and ML can facilitate the submission of regulatory information to central banks and regulators, on how big data can help authorities to store data received from supervised entities and more broadly from the financial sector, and how AI/ML can be leveraged in central banks to analyse complex data sets, and for forecasting, anomaly detection and more.

22 Mar 2023 BIS Innovation Summit 2023

Rio is a prototype of a central bank-specific, real-time capable market monitoring platform. The cloud-based stream processing platform will process real-time financial data feeds and compute relevant liquidity and market risk measures.

22 Mar 2023 BIS Innovation Summit 2023

Keeping financial services clean requires an understanding of who the participants in a transaction are. Traditionally, this role has been taken on by financial institutions, with mixed results, including high onboarding costs for financial institutions, and concerns about the privacy for users. Speakers discuss how new technologies offer glimpses of new ways of dealing with this problem, both from a centralised and a decentralised perspective.

22 Mar 2023 BIS Innovation Summit 2023

Project Aurora explores how the latest data technologies can be used to combat money laundering across financial institutions and borders.

22 Mar 2023 BIS Innovation Summit 2023
22 Mar 2023 BIS Innovation Summit 2023

In conversation with special guest Benoît Cœuré.

(all times in CET)

21 March 2023: Uncertainty and technological innovation in payments

12:30 - 13:00

Welcome coffee

13:00 - 13:10

Welcome and opening remarks

How technology can support central banks and financial institutions in their response to uncertain times

Speaker: Agustín Carstens / General Manager, BIS

13:10 - 13:15

Keynote speech (pre-recorded video)

The power of digital innovation to build resilience, endure shocks, and bolster financial inclusion

by Her Majesty Queen Máxima of the Netherlands, the UN Secretary-General's Special Advocate for Inclusive Finance for Development

13:15 - 13:30

Fireside chat

Technological innovations and central banks – exploring new horizons

  • Speaker: Cecilia Skingsley / Head, BIS Innovation Hub
  • Moderator: Per von Zelowitz / Director, New York Innovation Centre at Federal Reserve Bank of New York
13:30 - 14:15

High-level panel (pre-recorded on 12/03/2023)

CBDCs: Keeping momentum in uncertain times


  • Christine Lagarde / President, European Central Bank
  • Ravi Menon / Managing Director, Monetary Authority of Singapore
  • Chang Yong Rhee / Governor, Bank of Korea
  • François Villeroy de Galhau / Governor, Banque de France and Chair, BIS Board of Directors
    • Moderator: Hyun Song Shin / Economic Adviser and Head of Research, BIS
14:15 - 14:30

Break (cold refreshments)

14:30 - 15:00

Fireside chat

The winding road to CBDC adoption: legal and resilience issues


  • Maya Horowitz / Vice President Research, Check Point
  • Corinne Zellweger-Gutknecht / Professor, University of Basel and University of Zürich Blockchain Centre
    • Moderator: Bénédicte Nolens / Head, BIS Innovation Hub Hong Kong Centre
15:00 - 15:10

BIS IH project showcase

Using CBDCs across borders – lessons from practical experimentation

  • Speaker: Morten Bech / Head, BIS Innovation Hub Swiss Centre
15:10 - 15:40

Fireside chat

Regulatory lessons from the crypto winter


  • Steven Maijoor / Executive Board Member, De Nederlandsche Bank
  • Moderator: Dong He / Deputy Director of the Monetary and Capital Markets Department, International Monetary Fund
15:40 - 16:00


16:00 - 16:30

Fireside chat

Financial market infrastructures of the future: cross-border trends in payments and beyond


  • Saskia Devolder / Strategic Programme Director Cross-border Payments, SWIFT
  • Paula Da Silva / CEO, P27 Nordic Payments
  • Carrie Suen / Global Senior Advisor, Ant Group
  • Moderator: Andrew McCormack / Head, BIS Innovation Hub Singapore Centre
16:30 - 17:00

Fireside chat

Ethical implications of using AI and ML in the financial industry


  • Anna Felländer / CEO, anch.AI
  • Nikita Aggarwal / Lecturer in Law and Postdoctoral Research Fellow, UCLA's Institute for Technology, Law and Policy
    • Moderator: Siddharth Venkataramakrishnan / Banking and fintech correspondent, Financial Times
17:00 - 17:30

Coffee Break

17:30 - 18:00
In-person only

Workshop on Project Tourbillon

  • Speaker: Morten Bech / Head, BIS Innovation Hub Swiss Centre
18:00 - 18:30
In-person only

Workshop on Project Polaris

  • Speaker: Beju Shah / Head, BIS Innovation Hub Nordic Centre
18:30 - 19:00
In-person only

Workshop on Project Meridian

  • Speaker: Francesca Hopwood Road / Head, BIS Innovation Hub London Centre
19:00 - 20:30
In-person only

Social event

22 March 2023: Technology and risks related to climate, economic uncertainty and market integrity

09:00 - 09:30

Welcome coffee

09:30 - 10:00
In-person only

Workshop on Project Gaia

  • Speaker: Raphael Auer / Head, BIS Innovation Hub Eurosystem Centre
10:00 - 10:30
In-person only

Workshop on Fully Scalable Settlement Engine (FuSSE)

  • Speaker: Miguel Diaz / Head, BIS Innovation Hub Toronto Centre
10:30 - 11:00
In-person only

Coffee break

11:00 - 11:30
In-person only

Workshop on Project mBridge

  • Speaker: Bénédicte Nolens / Head, BIS Innovation Hub Hong Kong Centre
11:30 - 12:00
In-person only

Workshop on Project Nexus

  • Speaker: Andrew McCormack / Head, BIS Innovation Hub Singapore Centre
12:00 - 13:00
In-person only


13:00 - 13:10

Keynote speech

Current regulatory and supervisory challenges from technological innovation, climate change and other sources of uncertainty

  • Speaker: Fernando Restoy / Chair, BIS Financial Stability Institute
13:10 - 13:55

High-level panel

Technology to address heightened climate change risks


  • Stefan Flückiger / Deputy Secretary for International Finance, Swiss Federal Department of Finance
  • Erik Thedéen / Governor, Sveriges Riksbank
  • Eddie Yue / Chief Executive, Hong Kong Monetary Authority
  • Moderator: Ross Leckow / Head, BIS Innovation Hub Strategy & Operations Unit and Deputy Head, BIS Innovation Hub
13:55 - 14:25

Fireside chat

AI and ML to better understand the rapidly evolving economic and financial landscape


  • Daniel Borrajo / Research Director, JP Morgan AI Research
  • Paolo Sironi / Global Research Leader, Banking and Financial Markets, IBM Consulting
    • Moderator: Francesca Hopwood Road / Head, BIS Innovation Hub London Centre
14:25 - 14:30

BIS IH project showcase

Project Rio

14:30 - 14:50

Coffee break

14:50 - 15:20

Fireside chat

Identity and financial services: can technology mitigate the trade-offs between KYC and privacy?


  • Siddharth Shetty / Co-founder, Sahamati and Advisor, Digital Public Infrastructure, Ministry of Finance (India)
  • Dawn Song / Professor, UC Berkeley Department of Electrical Engineering and Computer Science
    • Moderator: Miguel Diaz / Head, BIS Innovation Hub Toronto Centre
15:20 - 15:30

BIS IH project showcase

Project Aurora

  • Speaker: Beju Shah / Head, BIS Innovation Hub Nordic Centre
15:30 - 15:45


15:45 - 16:30

High-level panel

The process of technological innovation at central banks


  • Margarita Delgado / Deputy Governor, Bank of Spain
  • Pablo García / Vice Governor, Central Bank of Chile and Chair, Irving Fisher Committee on Central Bank Statistics
  • Changchun Mu / Director General, Digital Currency Institute at the People's Bank of China
  • Sunayna Tuteja / Chief Innovation Officer, Federal Reserve System
    • Moderator: Jill Forde / Head of Communications, BIS
16:30 - 17:00

In conversation

The effect of technological innovation by big techs and fintechs on competition in the financial sector

  • Guest: Benoît Cœuré / President, French Competition Authority
  • Moderator: Cecilia Skingsley / Head, BIS Innovation Hub

Her Majesty Queen Máxima of the Netherlands has served as the United Nations Secretary-General's Special Advocate for Inclusive Finance for Development (UNSGSA) since 2009. As Special Advocate, she is a leading global voice on advancing universal access to and responsible usage of affordable, effective, and safe financial services for positive outcomes. The UNSGSA raises awareness, serves as a convener, encourages leaders, and supports actions to expand financial inclusion at a global and country level, all in close collaboration with partners from the public and private sector.

Nikita Aggarwal is a Lecturer in Law at UCLA where she teaches and researches in the areas of financial regulation, consumer law, law and technology, philosophy of law, and international economic law. Prior to academia, she was a lawyer for the International Monetary Fund where she advised countries on financial and fiscal law reform and worked extensively on initiatives to reform the contractual framework for sovereign debt restructuring. She continues to advise the IMF as a short-term expert. She began her legal career at Clifford Chance LLP, where she specialized in EU financial regulation and sovereign debt restructuring. Aggarwal received her B.A. in law (LL.B., first class honours) at the London School of Economics and Political Science and her Ph.D. in law at the University of Oxford. She is a Solicitor of England and Wales.

Benoît Cœuré is President of the Autorité de la concurrence since January 2022. He is a graduate of the Ecole polytechnique and the Ensae, Benoît Cœuré also holds a Master of Advanced Studies in economic analysis and policy and a degree in Japanese. He started his career at the National Institute of Statistics and Economic Studies before joining the Directorate General of the Treasury as economic advisor to the Director. Deputy Director General of the Treasury between 2009 and 2011, he lead the foreign trade support policy and general reflection on France's economic policy as Chief Economist. As a member of the Executive Board and of the Governing Council of the European Central Bank from 2012 to 2018, he was responsible for market transactions, market infrastructures supervision and European and International relations. He chaired the Committee on Payments and Market Infrastructures of the Bank for International Settlements for six years where he focused on the digitisation of payment systems, the rise of crypto assets and the emergence of tech giants in financial services. In 2019, Benoît Cœuré took over as head of the innovation division of the Bank for International Settlements.

Ms. da Silva has 30 years of experience from the financial sector in Sweden and abroad. Appointed as CEO of P27 Nordic Payments in 2021 with the task of building the world's first real-time, cross-border payment system for multiple currencies in the Nordic region, establishing a pan-Nordic infrastructure for domestic and cross-border transactions in the Nordic currencies and the Euro. Ms. da Silva is on the board of the Swedish Export Credit Corporation and current Swedish payment infrastructure provider Bankgirot. Formerly also Chairman of the board at P27 Nordic Payments and member of the board at R3.

Margarita Delgado was appointed in September 2018 as Deputy Governor of the Banco de España. As from that date she also sits on the Supervisory Board of the European Central Bank's Single Supervisory Mechanism, is the Chair of the Management Committee of the Spanish Deposit Guarantee Scheme for Credit Institutions, Vice-Chair of the Management Committee of the FROB (Fund for the Orderly Restructuring of the Spanish Banking Sector), a Council Member of the CNMV (Spanish National Securities Market Commission). She is also member of the Network for the Greening of the Financial Sector (NGFS), the Committee on the Global Financial System (CGFS). Since its creation in 2019 she is member of the Spanish Macroprudential Authority (AMCESFI) and chairs its Steering Committee.

Previously, she was Deputy Director General for Micro-Prudential Supervision I at the European Central Bank, with responsibility for the direct supervision of the 35 biggest and most complex significant institutions in the euro area. Earlier, she was Director of the Department entrusted with supervising the former Spanish savings banks, in the Directorate General Banking Supervision of the Banco de España, where she first took up the position of bank examiner in 1991.

Saskia is a leading a new strategic programme to bring together the key components of the SWIFT strategy towards instant, frictionless payments. The programme will ensure the right attention, structure and alignment across the company and with the G20 agenda related to cross-border payments. Till December 2021, Saskia leads the teams, located on five different locations, responsible for business development and customer engagements reporting to the Executive Business Development. She was also responsible for the expert teams supporting the financial industry and market infrastructures focusing on payments, capital markets, ISO20022 and technological innovation across EMEA. She is also leading the strategic European projects within the SWIFT organisation. Saskia is with SWIFT since 2006 and held several functions covering capital markets and banking sales activities, developing community engagement across different regions and maintaining close relationships with senior representatives of the banking and financial industry community. Prior to joining SWIFT, she had different functions at Mastercard International and Sterling Software.

Anna Felländer has been engaged with responsible AI from a policy, academic, organizational as well as from a start-up perspective since 2016. Her background is as an economist at the Swedish Ministry of Finance and at the Prime Minister's Office during the financial crisis. Anna was Chief Economist at Swedbank, one of Sweden's largest retail banks, until she started her multidisciplinary research on responsible AI as an affiliated researcher at the Royal Institute of Technology in 2016. Anna Felländer is the founder and CEO of anch.AI, a thought leading consultancy and a SaaS B2B platform for AI governance.

Pablo García Silva, Vice Governor of the Central Bank of Chile since February 2022, and Board Member since January 2014. He served as Executive Director and Alternate at the Board of the IMF representing the Southern Cone Constituency (2010-2014) and was Chief Economist and Director of the Research Division, among other positions, at the Central Bank of Chile (2000-2010).

Pablo graduated in Economics from the Pontifical Catholic University of Chile in 1993 and obtained a Ph.D. in Economics from the Massachusetts Institute of Technology (MIT) in 1999. He publishes and teaches regularly on macroeconomics and international economics. Currently, he also acts as Chair of the Irving Fisher Committee of the Bank for the International Settlements.

Adrienne Harris joined DFS in September 2021 and was confirmed as Superintendent on January 25, 2022. Prior to joining DFS, Superintendent Harris served as Senior Advisor to Deputy Treasury Secretary, Sarah Bloom Raskin. She then moved to the White House where she managed the financial services portfolio at the National Economic Council for President Obama.  After leaving the White House, Superintendent Harris served as General Counsel and Chief Business Officer at Doma and also served as a Professor and Faculty Co-Director at the University of Michigan's Gerald R. Ford School of Public Policy's Center on Finance, Law and Policy. Since taking over at DFS, Superintendent Harris has taken decisive actions on defining issues such a climate change, financial inclusion and digital currency.

Dong HE is Deputy Director of the Monetary and Capital Markets Department (MCM) of the International Monetary Fund. He has oversight responsibility for MCM's work on digital currencies and fintech. He joined MCM in October 2014 and led MCM's work on global financial stability analysis, monetary and macroprudential policies, and technical assistance on central bank operations. Dong holds a doctorate in economics from the University of Cambridge. He started his career in 1993 when he joined the World Bank through the Young Professionals Program. He was a staff member of the World Bank during 1993-1998, of the IMF during 1998-2004, and of the Hong Kong Monetary Authority (HKMA) during 2004-2014. At the HKMA, he was Executive Director responsible for directing research and policy advice on issues relating to the maintenance of monetary and financial stability and the development of financial markets. He was also Director of the Hong Kong Institute for Monetary Research. He has published extensively on macroeconomic and financial market issues.

Maya Horowitz is the Director of Threat Intelligence and Research at Check Point Software Technologies. Maya is responsible for leading the intelligence and research efforts while leveraging her team's analysis into threat prevention products. Since Maya joined Check Point over 4 years ago, she has successfully discovered and exposed new cyber threat campaigns. Maya's extensive background in information security has enabled her to effectively utilize her research and continuously improve Check Point's threat prevention products. She has unveiled malicious threat actors and operations to the public, mitigating the outcomes of their attacks. Prior to Check Point, Maya served 10 years as an officer in the intelligence unit of the Israel Defense Forces. She holds a master's degree in Psychology and Biology (Psycho-neuro Immunology) from Tel-Aviv University, Israel.

Jemima Kelly is a columnist at the Financial Times. She writes a weekly column about everything from culture wars to crypto, and also writes features, essays, reviews and other pieces for the newspaper. She was the host of series four of the FT's Tech Tonic podcast series, "A Sceptic's Guide to Crypto". Before becoming a weekly columnist, Jemima was a reporter for the FT's irreverent business, markets and finance blog, Alphaville. And before joining the FT, Jemima was a reporter on the markets desk at Reuters, where she mainly wrote about the foreign exchange market and bitcoin. She has also written politically focused articles for The Economist.

Steven Maijoor joined the Executive Board of De Nederlandsche Bank (DNB) on 1 April 2021. Steven's remit includes supervision of banks, horizontal functions and integrity supervision, and legal services. He is also a member of the Supervisory Board of the European Central Bank (ECB).

Before joining DNB's Executive Board, Steven was Chair of the European Securities and Markets Authority (ESMA), from 2011-2021. Between 2004 and 2011 he was a managing director at the Dutch Authority for the Financial Markets (AFM). Prior to that he was Professor (1994-2004) and Dean (2001-2004) at the School of Business and Economics, Maastricht University.

Steven graduated from the University of Groningen with a degree in business economics and obtained a PhD in the same subject from Maastricht University in 1991. Steven was born in Hong Kong (1964).

Mr MU Changchun is appointed Director-General of the Digital Currency Institute, People's Bank of China in July, 2019. Mr Mu joined the People's Bank of China in 1995 and was appointed as the Deputy Director-General of Payment & Settlement Department in 2017. Mr MU is a member of CPMI, of the FSB Financial Innovation Network, of the IMF High-level Advisory Group on Finance and Technology and of the BIS Innovation Network.

Fernando Restoy became Chair of the Financial Stability Institute in January 2017. He had been Deputy Governor of the Bank of Spain since 2012. Since 1991, he held other senior positions at the Bank of Spain. From 1995–97 he was Economic Advisor and Head of the Monetary Framework Section at the European Monetary Institute. He was Vice Chair of the Spanish Securities and Markets Commission from 2008–12 and Vice Chair of IOSCO Technical Committee. He was the Chairman of the Spanish Executive Resolution Authority from 2012–15 and has been a Member of the Supervisory Board of the ECB-SSM from 2014–16. He holds an MSc in econometrics and mathematical economics from the London School of Economics and an MA and PhD in economics from Harvard.

Siddharth Shetty designs Digital Public Infrastructure that socio-economically empowers individuals and small businesses. His leadership spans the areas of technology, public policy, foreign policy, institution building, and engaging civil society, private and public sector market players, governments, and regulators in building digital ecosystems.

He's been leading the strategy & design for the Data Empowerment & Protection Architecture, a techno-legal framework that gives individual & small businesses control of their data. It's currently being rolled out in India and is the largest implementation of Open Finance globally.

Siddharth is the Co-founder of Sahamati and has been a participant in numerous government and regulatory committees in India and has been advising advanced and emerging economies on their deployment of Digital Public Infrastructure. He has recently been appointed as an Advisor for Digital Public Infrastructure at the Indian Ministry of Finance.

He's also been involved in designing the India Stack, the Open Credit Enablement Network to democratise credit access, the Public Credit Registry for enabling real-time credit reporting, Personal Health Records for India's Ayushman Bharat Digital Mission, and Digital Sky to integrate drones into civilian airspace.

Paolo Sironi is the global research leader in banking and financial markets at IBM, the Institute for Business Value. He is a former start-up entrepreneur and quantitative risk manager in investment banking. Paolo is the author of literature about finance, banking, and digital innovation. His latest bestseller "Banks and Fintech on Platform Economies" explores how platform theory, born outside of financial services, will make its way inside banking and financial markets to radically transform the way firms do business.

Dawn Song is a Professor in the Department of Electrical Engineering and Computer Science  at UC Berkeley and  co-Director of Berkeley Center on Responsible Decentralized Intelligence. Her research interest lies in AI and deep learning, security and privacy, and blockchain. She is the recipient of various awards including the MacArthur Fellowship, the Guggenheim Fellowship, the NSF CAREER Award, the Alfred P. Sloan Research Fellowship, the MIT Technology Review TR-35 Award, ACM SIGSAC Outstanding Innovation Award, and numerous Test-of-Time Awards and Best Paper Awards from top conferences in Computer Security and Deep Learning. She is an ACM Fellow and an IEEE Fellow. She is ranked the most cited scholar in computer security (AMiner Award). She obtained her Ph.D. degree from UC Berkeley. She is also a serial entrepreneur and has been named on the Female Founder 100 List by Inc. and Wired25 List of Innovators.

Stefan Flückiger is Deputy State Secretary for International Finance, at the Federal Department of Finance of Switzerland, since April 2020. He heads the Planning and Strategy Division and acts as Switzerland's Finance Deputy to the G20.

Stefan Flückiger entered the diplomatic service of the Federal Department of Foreign Affairs in 1989. He was posted to Zimbabwe and Berlin, and served first as deputy head of mission and then as ambassador at the Swiss Delegation to the OECD in Paris from 2006-2014. Between diplomatic posts he worked as a World Bank staff in Haiti and at the Swiss Think Tank Avenir Suisse. Before taking up his current post Stefan Flückiger was head of the Special Foreign Economic Services in the State Secretariat for Economic Affairs in Switzerland, directing a team of negotiators for bilateral and multilateral trade and investment agreements for Switzerland. Stefan Flückiger is a Swiss national and holds degrees from the universities of Zurich and Yale.

Carrie Suen joined Ant Group in 2014 and is now the Global Senior Advisor at Ant Group, in charge of global affairs strategies and thought leadership of Ant's international policy objectives to bring more inclusive, green and sustainable changes to the ecosystem. She also oversees the legal and privacy functions for Ant International Business Group.

Carrie is a seasoned lawyer and has experience in wide range of subject matters ranging from fintech regulatory, corporate governance, M&A, equity offerings to listed companies compliance. In 2020, Carrie received the APAC outstanding leader award from the IFLR recognizing her support of diversity and empowerment at work. Carrie was one of the advisors to the Money20/20 Asia RiseUp program  - a global effort to foster female leadership in the tech industry. She is currently an advisory board member of the Emerging Payments Asia Association and a member of the sub-committees of the Singapore Fintech Association, to drive a more sustainable environment for female fintech practitioners, cyber risk and regtech ecosystem in Singapore and the region. She is also an ambassador of the importance of financial inclusion.

Erik Thedéen is Governor of Sveriges Riksbank and Chairman of the Executive Board since 1 January 2023. Mr. Thedéen is also a Member of the General Council of the ECB and Chair of the European Systemic Risk Board. Additionally, Governor Thedéen is also Governor for Sweden in the International Monetary Fund and Board Member of the Nordic-Baltic Macroprudential Forum. He is also a Member of the Board of Directors of the BIS.

Mr. Thedéen was a Director General of the Swedish Financial Supervisory Authority (Finansinspektionen) prior to his appointment as Governor of Sveriges Riksbank. He also held several positions in international organisation such as board member of International Organisation of Securities Commissions and Chair of its Task Force on Sustainable Finance, Vice chair of the European Securities and Markets Authority.

Erik Thedéen holds a Degree of Master of Science in Business and Economics from the Stockholm School of Economics.

Ms Sunayna Tuteja is the first person to fill the newly created role of Chief Innovation Officer of the U.S. Federal Reserve Board. She has more than ten years of global experience leading change and innovation at the nexus of finance, technology and policy. Most recently, Ms Tuteja was the Global Head of Emerging Tech & Strategic Partnerships at TD Ameritrade. Her work there included commercialising frontier tech and building and investing in the next generation of products and experiences in collaboration with partners in big tech, fintech, start-up and the VC ecosystem in North America and Asia.

Siddharth Venkataramakrishnan is the FT's banking and fintech correspondent, covering topics including the future of UK retail banking, transformation in the payments industry and access to cash in a digital era.

Corinne Zellweger-Gutknecht is a professor of private law, corporate and commercial law at the University of Basel and a professor of private law, financial market and monetary law at the Kalaidos University of Applied Sciences. Besides, she teaches monetary law at the University of Zurich Faculty of Law. Corinne researches in the fields of monetary, currency and central banking law, and interdisciplinary issues between private and financial market law. She is particularly interested in the influence of digitisation on public as well as private money, payment systems and the financial market, and the registration of crypto currencies in private, insolvency and currency law. Corinne serves an adviser to authorities such as the Confederation, the BIS, the Swiss National Bank and the Swiss Financial Market Supervisory Authority (FINMA). Her ongoing research concerns predominantly the area of monetary law, cybercurrencies and digital legal tender. Among others she has led a study on the admissibility of euro banknotes under the ECB Legal Research Programme 2020.