With over five years of experience as a Chief Digital Officer and Innovation and Research and Development Manager at TID Development Co, a company affiliated to Bank Tejarat, I have led and implemented several digital transformation and innovation projects in the banking, payment, and telecom industries. I have also been advising the Export Development Bank of Iran (EDBI) on digital transformation and innovation strategies since September 2020. My core competencies include business strategy, information technology, change management, and enterprise architecture. I have a Master of Business Administration degree from the University of Tehran, with a focus on strategy management, and a Sole Professional License issued by the Dubai Development Authority. I am passionate about creating value for customers and stakeholders through innovative and disruptive solutions that leverage the latest technologies and trends in fintech and banking.