Krunoslav Ris Ph.D. is a digital futurist who covers current Digital Transformation Business processes. He is an international FinTech Speaker in over ten countries. Kruno is in IT Business for 20 years, and he has worked on more than 400 projects. For the last ten Years, Kruno follows Digital Transformation processes worldwide on several projects across China, South Africa, Indonesia, Germany... As a Head of Direct Channel Development in Zagrebačka Banka, he was directly involved in the Digital Transformation of the most prominent Croatian National Bank. His personal qualities, combined with diverse experience in software development, mentoring, lecturing, software architecting, and strong leadership, give him a versatile perspective on upcoming technologies in the binary digital Age.