Thomas Pays is the CEO and Co-Founder of Ozow, a pioneering fintech company transforming digital payments across Africa. With decades of leadership experience, Thomas has been instrumental in driving innovation, strategic growth, and market leadership in the financial technology sector. He has played a key role in shaping and driving open banking regulations and frameworks, supporting banks in building open banking APIs, and successfully bringing them to market. Thomas' vision and expertise have positioned Ozow as a leading force in the Pan African payments landscape. Thomas is a pacesetter passionate about business development and social responsibility, continually pushing the boundaries of innovation.