Prior to setting up hiveonline, Sofie spent 25 years building major business and transformation programmes in banks, including the first online bank for UBS. She’s managed teams as diverse as infrastructure delivery and business transformation teams, across portfolios of banks in 60 countries. As well as running hiveonline, Sofie advises the G7, G20, WEF and the United Nations on fintech, blockchain, identity and trust. She is chair of the UN’s Climate Chain Coalition’s SDG group and advisor to Fintech Hub Global. Sofie’s second book (with Rob Allen, CTO of hiveonline) Fintech Revolution: Universal Inclusion in the New Financial Ecosystem, is out in June.