Bianca Lopes is an economist, entrepreneur and senior executive with over 18 years of global experience across digital identity, payments, financial infrastructure and data-driven innovation. She is Co-Founder of Twyn and Chief Strategy Officer of Vast Bank & Vast Bank Holdings. Bianca serves as a board member and advisor to the International Research Centre on Artificial Intelligence under the auspices of UNESCO and has worked with organizations including the Gates Foundation, Goldman Sachs and RBC, delivering projects for eight central banks. She also serves on the boards of fintech companies across the US, Europe, the Caribbean and Latin America. Her work spans Open Finance, biometrics, tokenization, stablecoins and programmable financial infrastructure, connecting innovation with trust, governance and access. A frequent international speaker and moderator, Bianca brings a cross-market perspective on how identity, money and technology are reshaping financial services.