Elma is a strategic innovation expert with over a decade of experience in the financial industry across various verticals, from process improvement to innovation and strategy. She is currently a part of Group Strategy, Innovation and Executive Office at Raiffeisen Bank International AG, where she is actively working on evaluating emerging business models and supporting bank’s strategic innovation and digitalization efforts in her role as Senior Strategic Partnerships and Ecosystems Analyst – recently focusing her efforts on the stablecoin strategic area and use cases.