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Pavel Shust (PhD) is a policy expert in digital financial regulation with over 13 years of experience working with governments and financial institutions across Central Asia, Eastern Europe, Africa, and the Pacific. He drafts laws and regulatory frameworks on Open Banking, use of data in finance, e-KYC, and regulatory sandboxes. Pavel also works closely with banks, fintech companies, and regulators to explain new rules, promote compliance, and share international best practices. He currently supports IFC projects on digital finance and coordinates an EU-funded IFAD program on remittances and migrant entrepreneurship. He also advises the Alliance for Financial Inclusion on regulatory tools. With an academic background, Pavel teaches courses on financial innovation and has published widely on fintech, AML/CFT, and data policy.