Mo Gawdat is the former Chief Business Officer at Google [X], 5x interna onal bestselling author, founder of the One Billion Happy movement, and cofounder of Emma.Love. With a career spanning 27 years at IBM, NCR, Microso , and Google, Mo helped launch close to half of Google’s global opera ons and later led business strategy at Google [X], home of projects like self-driving cars, Project Loon, and Makani. Driven by a passion for solving humanity’s biggest challenges, Mo has cofounded more than 20 companies and mentored countless startups. A er the loss of his son Ali, he developed the happiness model at the heart of his bestselling book Solve for Happy (2017), sparking his global mission to make one billion people happy. He went on to launch Slo Mo: A Podcast with Mo Gawdat (2020), now a leading mental health podcast. His book Scary Smart (2021) predicted the rise of AI, gaining renewed recogni on with the release of ChatGPT in 2022 and establishing him as one of the world’s most respected AI experts. He followed with That Li le Voice in Your Head (2022), Unstressable (2024), and Alive (2025), all interna onal bestsellers. His latest project is Emma.love, a revolu onary group of advanced AI’s designed to address one of the modern world’s greatest challenges—finding and keeping genuine love—while at the same me teaching AI about what makes us most deeply human: the way we love.
Shanker Ramamurthy is IBM Consulting's Global Managing Partner for Banking and Financial Markets, with a particular focus on bank transformation, core banking & payments.
Over the last 25 years as a consultant and business executive, he has worked across all six continents and more than 40 countries at the intersection of strategy, information technology, and financial services. He is a well-known thought leader with five patents related to addressing complexity, has authored several white papers, and has been ranked as one of the 50 most influential financial services consultants worldwide by Euromoney magazine.
Shanker also serves on the Board of Directors of BIAN.org (Banking Industry Architecture Network), a global standards organization developing industry standards for banking services.
Mohamed Mansour leads Wise’s expansion across the Middle East. Previously, he was Regional Director at Remitly, following a 13-year career with HSBC across Athens, Istanbul, New York, San Francisco and Oman. He brings deep experience across financial services, payments and international market expansion.
Mr. Nasr is a seasoned professional with more than two decades of experience in the banking industry, where he has honed his skills in the fields of technology and information. Over the course of his career, he has faced numerous challenges, rigorous transformations, continuous innovations, and significant advancements in technology.
Mr. Nasr started his journey in the banking sector as a Senior System Analyst for 3 years, where he demonstrated exceptional technical expertise. He then transitioned into a functional consultant role, one where he served for 7 years and gained valuable experience in providing clients with strategic guidance.
After this, Mr. Nasr took on administrative roles at BisB where he served as Senior Manager, Assistant General Manager, Head of Information Technology, and Chief Information Officer for a total of 15 years. During his tenure, he developed and implemented innovative solutions to streamline operations and enhance client experience.
Mr. Nasr’s banking experience has continued to grow, and he now holds newer responsibilities and positions at GFH Financial Group as Group Chief Technology Officer and at Khaleeji Bank as Chief Technology Officer.
Mr. Nasr holds a bachelor’s degree in Computer Science from Isra University and a master’s degree in ISM from the University of Liverpool.
Islam Shawky is the co-founder and CEO of Paymob, MENA's most comprehensive payments infrastructure. He co-founded the company in 2015 alongside Alain El Hajj and Mostafa Menessy, fellow students at the American University in Cairo, where he was completing his BSc in Mechanical Engineering.
Under Shawky's leadership, Paymob has grown from an Egyptian startup into one of the fastest-growing fintechs in the region, now serving more than 390,000 merchants across Egypt, the UAE, Saudi Arabia, and Oman. The company offers over 60 payment methods, processes hundreds of millions of transactions a year, and has raised $90 million from investors including PayPal Ventures, Kora Capital, Clay Point Capital, EBRD, Endeavor Catalyst, Global Ventures, FMO, A15, British International Investment, Helios Digital Ventures, and Nclude.
Shawky was named to the Forbes 30 Under 30 list in 2021 and became an Endeavor Entrepreneur in 2022. He sits on the Board of Trustees of the Technology Innovation and Entrepreneurship Center (TIEC), and his focus remains on building the infrastructure that drives financial inclusion and powers the digital economy across MENA.
Louis is the Founder and CEO of FOMO Pay, the Singapore-headquartered leading Fintech company that specializes in digital payment, digital banking, and digital asset solutions. As a recognized leader driving innovation in Fintech, Louis has extended his expertise as an industry partner of the Singapore National Payment QR Code Taskforce. He led FOMO Pay to win the MAS FinTech Awards and received the Singapore Fintech Association Leader Award in recognition of his contribution to Singapore’s national digital payment blueprint. He was also previously featured in the Forbes 30 Under 30 list (Asia, Finance & Venture Capital). Louis was invited by the Financial Services and the Treasury Bureau of Hong Kong to join the Subcommittee on Regulatory Matters, established under the task force on promoting FinTech development. He also led FOMO Pay's Hong Kong business to win the "Best Payments and Collections Solution" at The Asset Triple A Treasurise Awards 2025. Louis has spoken at prominent events such as Money 2020, Singapore Fintech Festival, Hong Kong Fintech Week, and the World Economic Forum. His thought leadership extends to mainstream media, with opinion pieces featured in reputable outlets, such as “5G spurs payment industry to innovate” in The Business Times, and “Digital banks: Big step into the future of banking” in The Straits Times. Besides professional engagements, Louis is also an executive committee member of both Singapore Chinese Chamber of Commerce & Industry (SCCCI)’s Youth Business Affairs Committee and Singapore Business Federation (SBF)’s Young Business Leaders Network. He holds a great passion for insight-sharing, fostering collaborative growth and thought exchanges with fellow young business leaders.
Reto Cueni joined Syz Group in June 2025 as Chief Economist and member of the investment committee. He is responsible for the macroeconomic “house view” and provides the economic foundation of the long-term strategic outlook. He previously served as Chief Economist at Vontobel Group from 2020, having been part of Vontobel Asset Management’s Investment Strategy team since 2014 as a Senior Economist. From 2009 to 2014, Reto worked as a researcher and lecturer in the Department of Economics at the University of Zurich. His academic work earned him a research fellowship from the Swiss National Science Foundation at Columbia University in New York. He began his career in finance as an equity analyst at Vontobel Equity Research in 2005. He earned a doctorate and a master's degree in economics from the University of Zurich where he continues to serve as a guest lecturer to this day.
Ben is a senior executive with over 20 years of experience across financial services, digital assets, and technology, specializing in fintech, digital assets, and tokenization market infrastructure.
At HashKey Group, a publicly listed company, he currently serves as executive Managing Director on the boards of several of HashKey Group's licensed digital asset businesses and joint ventures, and as Head of International Markets responsible for the Group’s market expansion in Southeast Asia and the Europe & the Middle East regions. In this role, he leads business growth and regulatory strategy across multiple verticals including spot and derivatives trading, payments, tokenized financial products, and institutional solutions.
Ben earned a Master of Science in Management from Stanford Graduate School of Business, where he co-founded the university's largest tech working group on digital assets.
Faisal Aftab is the Founder and Managing Partner of Zayn VC, Pakistan’s leading venture capital fund, with the country’s largest concentration of category-leading technology companies in its portfolio, including NayaPay, Haball, PostEx, Abhi, AdalFi, EduFi and KTrade. An Oxford alumnus and the first Shark on Shark Tank Pakistan, Faisal is a prominent voice on venture capital, digital finance, AI, blockchain and geopolitics, with a focus on how emerging technologies and shifting global capital flows are reshaping financial systems and emerging markets.
Sherman He is Co-founder and CEO of Stori, an AI-powered financial super app expanding access to financial services for millions of underserved consumers. Before founding Stori, Sherman held leadership roles at Capital One, where he focused on product strategy and decisioning technology. He holds an MBA from NYU Stern and a master’s degree in computer science from George Washington University, with a focus on machine learning.
Ekta Tolani is the Chief Investment Officer of KBW Ventures – the investment arm for HRH Prince Khaled bin Alwaleed bin Talal. She has deployed over +$1B worldwide into direct deals during her career. Over her 15 years of experience, Ekta has driven investment strategy and process for sourcing, selecting, and winning direct Private Equity ($100M+) and Venture Capital ($1M – $5M) style deals across a variety of high-growth sectors. She has also allocated $100M+ to hedge funds, private credit, fixed income and PE/VC funds.
She has been instrumental in the setup of large family office from drafting the charter to executing the multi-asset diversified investment strategy. She crafted legacy planning and wealth preservation themes for her principals.
Ekta has cultivated a solid network of both family offices and institutional investors across the Middle East, North America, and Asia. She currently manages a broad network of such active relationships; a global network of LPs, Family Offices, and GPs recording top quartile returns. She brings in a plethora of great opportunities and co-investors with her.
She holds an MBA from The University of Chicago Booth School of Business and is the ambassador for the school’s MBA program and Booth Women. She is a member of the Private Equity Women Investor Network, and an ardent champion for women empowerment.
Nilixa is an experienced policymaker and regulatory strategist shaping the future of digital money, payments innovation, and financial market infrastructure. She is CEO of Payments Solved, a regulatory consultancy advising regulators, banks, and fintechs on digital-asset frameworks, including stablecoins, tokenisation, CBDCs, and the intersection with payments and open finance in the UK and globally, an Advisor to the Global Blockchain Business Council and Chair of the Open Finance Assocation.
Nilixa has been appointed to multiple strategic European advisory bodies, including the ECB Digital Euro Market Advisory Group and several EU payments and data expert forums. Her career spans senior roles at the FCA, EBA, Open Banking Implementation Entity, Mastercard, and Barclays, positioning her at the intersection of innovation, regulation, and global financial transformation.
Master of Science in Finance, Imperial College London, UK (2011). Chartered Financial Analyst (CFA), Professional Risk Manager (PRM), and Certified in Risk and Information Systems Control (CRISC). 16 years’ banking and financial services experience.
Financial centres are competing to become the operating layer for AI and tech-enabled finance. The jurisdictions best placed to lead will be those that pair institutional trust with the connectivity and resilience to scale it, across emerging fintech opportunities. This session sets out the macro forces driving that competition and draws on Bahrain's experience of building resilient financial infrastructure under global geopolitical and technological uncertainty.
Fintech is moving from the edge of financial services into the operating core of banks, payment companies, platforms and global institutions. As the sector matures, the focus is shifting from disruption to scale, resilience, regulation and long-term relevance. This panel explores how financial institutions, technology platforms and investors are responding as fintech becomes part of mainstream financial infrastructure, and what this means for competition, consolidation, partnerships and trust.
Stablecoins are moving from digital asset discussion to practical payment infrastructure. Regulated stablecoins could support a wide range of services, from cross-border transfers, merchant settlement and remittances to treasury flows, digital commerce and digital asset transactions. This session explores how stablecoin applications can connect safely with existing payment systems, banking rails, national payment infrastructure, compliance controls and customer protection frameworks.
Tokenization is no longer limited to asset issuance; it is beginning to affect the infrastructure banks use to process, settle and support digital financial services. As financial institutions prepare for programmable finance, panellists discuss the measures banks and market participants need to take across core banking systems to support digital securities, tokenized funds, deposits and bonds, and smart contract-enabled settlement flows.
Cross-border finance is being reshaped by real-time payment rails, digital assets, stablecoins, tokenized value and more interoperable payment networks. However, interoperability standards can either widen access for new entrants or create a barrier when systems are fragmented, expensive or difficult to access. What will it take to build faster, smarter and more trusted financial corridors that can support the next phase of regional and global growth?
Bahrain's financial future rests less on any single application and more on the infrastructure beneath it. Digital public infrastructure creates the conditions for secure access, faster onboarding, fintech scaling and regional interoperability, while reinforcing Bahrain's role as a trusted financial centre. Join this session to look beyond payments to the enabling layers being built across digital identity, data exchange and open finance, cloud-enabled banking, consent and trust frameworks and sovereign digital systems.
AI agents are moving from recommendation engines into financial workflows where they may initiate or support transactions. But who authorizes agentic payments, AI-assisted commerce or credit decision-making? Who is accountable when compliance agents and operational copilots act inside a regulated financial system? This session examines live and emerging case studies of autonomous agentic payments and AI-led transaction workflows to address whether responsibility and liability sit with the financial institution, model provider, technology vendor, platform or customer. Put another way: does the market need principles-based guidance or harder rules for AI-led financial activity?
As financial institutions automate more of their operating core, AI is being deployed across authentication, fraud detection, transaction monitoring, compliance checks, payment routing and back-office workflows. Join this discussion to learn how banks and fintechs are using AI in real-world deployments to improve control functions, reduce false declines, detect threats earlier and strengthen operational resilience without weakening regulatory oversight.
Innovation attracts capital only once investors trust the rules around it. This requires regulatory conditions that can move new financial infrastructure from early experimentation into credible, investable markets. What kinds of safeguards are needed around custody, settlement, disclosure and investor protection to give institutions the confidence to commit? Are these markets best served by flexible, principles-based guidance that can keep pace with change, or by firmer rules that offer certainty but less room to manoeuvre?
SME finance is moving from collateral-heavy lending towards data-led and platform-based credit infrastructure – offering a lifeline for SMEs and new entrants that lack traditional credit histories or loan security. This session explores how open banking, cashflow data, digital identity, AI-led credit models and micro-lending platforms can help lenders assess SMEs faster and expand their access to working capital. A key question for SME owners is: How can smarter data rails support small businesses that are often underserved by traditional lending models?
As banking, wealth management and technology continue to converge, financial institutions, fintechs and digital platforms are competing for the same customers, assets and data. This panel explores how they are adapting their business models, forming strategic partnerships and using technology to expand investor access, improve customer experience and stay competitive in a rapidly changing financial marketplace.
Digital identity and eKYC are becoming the trust layer for digital finance. Join this session to understand how banks, fintechs, insurers and wealth platforms can verify customers, businesses and digital interactions more securely, while preparing for a future where AI agents may act on behalf of people and companies. The session examines how identity, consent, fraud controls and compliance need to evolve as finance becomes more automated.
Scams, phishing, fake payment alerts, identity theft, social engineering and AI-enabled fraud are affecting confidence in banking, wallets, payments and fintech platforms. Digital finance cannot scale up if users do not trust the channels they are using. How can banks, regulators, payment companies, cybersecurity leaders and digital platforms work together to detect threats earlier and protect users?
Wealth management is expanding beyond traditional high-net-worth audiences. This session explores how digital advisory, private market access, AI-powered insights, tokenized investment products and hybrid wealth platforms are creating new opportunities for a wider range of affluent and next-generation investors.
As economies become more digital, AI-led and interconnected, insurance is evolving to cover new exposures across cyber risk, AI systems, data centres, cloud infrastructure, autonomous technologies, digital assets, smart cities, climate resilience and platform-based finance. What new kinds of protection can insurers, banks, regulators, technology companies and fintech platforms build to help businesses, SMEs and financial institutions scale up with greater confidence?
As financial services become faster, more connected and more dependent on external technology partners, banks need core systems that can operate in real time, integrate securely and scale up without disruption. This session explores how financial institutions are modernizing legacy platforms, moving workloads to the cloud, improving data architecture, strengthening API orchestration and building more resilient operating models. The discussion will consider how banks need to change internally so that new products, partnerships and infrastructure can move from pilots into secure, production-ready financial services.
Financial services are becoming faster, more connected and more shaped by intelligent infrastructure. For banks, fintechs and platforms, the challenge is not only to innovate, but to build models that can scale responsibly, remain commercially sustainable and adapt as the market changes. This closing conversation reflects on the major themes discussed across the two days, from AI-enabled operations and embedded finance to digital asset readiness, stronger unit economics and resilient infrastructure, and considers what kind of financial models are best positioned for the next decade.
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Inaugurated in November 2022 and owned by the Bahrain Tourism and Exhibitions Authority (BTEA), Exhibition World Bahrain (EWB) is the World’s Leading New Exhibition and Convention for 2023, the Middle East’s Leading largest MICE venue.
The venue offers a wide range and variety of leasable spaces for all types of events of all sizes, from large conventions and exhibitions to conferences and meetings, live entertainment performances, galas, celebrations, corporate functions and more.

Forbes Middle East is a licensee of Forbes Media and extends the Forbes brand of journalism across the Arab world. Forbes Middle East’s distinctive editorial style attracts a readership of Arab leaders, entrepreneurs, C-level executives, government officials and investors united by a belief in the spirit of free enterprise and entrepreneurial values.Across the region, Forbes Middle East sets the pace for preemptive business journalism. By uncovering trends and anticipating opportunities in the regional marketplace, each monthly issue brings top executives the information critical to their success – in both Arabic and English language editions. The magazine researches and publishes original rankings, based on methodologies set by Forbes Media.
Forbes Middle East is a licensee of Forbes Media and extends the Forbes brand of journalism across the Arab world. Forbes Middle East’s distinctive editorial style attracts a readership of Arab leaders, entrepreneurs, C-level executives, government officials and investors united by a belief in the spirit of free enterprise and entrepreneurial values.Across the region, Forbes Middle East sets the pace for preemptive business journalism. By uncovering trends and anticipating opportunities in the regional marketplace, each monthly issue brings top executives the information critical to their success – in both Arabic and English language editions. The magazine researches and publishes original rankings, based on methodologies set by Forbes Media.