Sofie is CEO of hiveonline, the blockchain based community finance platform rolling out to unbanked communities across sub-Saharan Africa and Central America. Prior to founding hiveonline, Sofie spent nearly 30 years building and transforming technology and businesses for international banks, including building UBS’s first online wealth manager and leading Citigroup’s business transformation for EMEA. Sofie is the author of “Fintech Revolution: Universal Inclusion in the New Financial Ecosystem” and research papers including “Blockchain: Gateway for Sustainability-Linked Bonds”, “The Next Generation Humanitarian Distributed Platform” and policy papers on the economic impacts of emerging technology and CBDCs. She advises the UN, Central Banks, Commercial Banks and NGOs on applications of distributed ledger technology and digital assets, and chairs the Edinburgh Futures Institute’s Finance and Fintech Industry Advisory Panel.