Dr. Ruth Wandhöfer operates at the nexus of finance, technology and regulation and is passionate about creating the digital financial ecosystem of the future. She is an expert in the field of banking, technology and regulation and works closely with the Fintech community. Ruth is an independent Non-Executive Director on the boards of Permanent TSB, Gresham Technologies, and Digital Identity Net, as well as a Partner at Gauss Ventures and Chair of the UK PSR Panel. She is also a Fellow of CASS Business School City University London, Visiting Professor at the London Institute of Banking and Finance and lectures at Queen Mary London School of Law. She is the author of EU Payments Integration (2010) and Transaction Banking and the Impact of Regulatory Change (2014).