Nick is a senior advisor and consultant to C-suite in strategic digital transformation programmes internationally, including Central Bank Digital Currencies (CBDCs), stablecoins and Fast Payment Systems (FPS)His consulting portfolio of clients include governments, central banks, regulators, leading global banking groups, fintechs and major financial services players in Asia and Africa undergoing deep transformation journeys with emerging technologies.His disciplined approach to problem solving, enthusiasm and determination have made him a recognized expert in his field. Previously, he published over 30 studies on technology-enabled financial innovation as a Global Research Lead for IBM. Nick holds an MBA in International Business and conducted research at INSEAD. He is Research Affiliate at Cambridge University's Centre for Alternative Finance (CCAF), Tutor Mentor at Mapúa University, and Core Tutor at the University of The Bahamas, as well as a Fellow at the Singapore University of Social Sciences (SUSS). Other appointments include: Senior Advisor to the Advisory Board of the Fintech Association of Sri Lanka (FASL), Advisor to impac+ Indonesia, Director at FSE, and Fintech Director at Aiculus.