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A Fintech Company For Central Banks

We build software to make the core financial infrastructure inclusive and resilient by design.

Our key Drivers

Why Central Banks?

We believe central banks need to innovate in order to deliver on the mandate of maintaining financial stability and efficient payment infrastructure for all. Our approach maps policy frameworks to technologies that can execute as intended.

Why Emerging, Developing & Transitional Markets?

There is a clear need and demand for modern payment infrastructure across the Africa and Caribbean regions. The financial market infrastructure in emerging, developing and transitional markets is cash heavy, inefficient and exclusive to many.

The Team

Carmelle Cadet
Founder & CEO

Carmelle is an experienced Finance and Business Leader in the Enterprise IT sector, with specializations in Emerging Markets, Financial Services and Blockchain Technologies.

Diane Maurice
Chief Risk & Policy Officer

D. R. Maurice is a former Federal Reserve Bank supervisor with over 25 years of experience as an international banker in New York, London and San Francisco.

Nikola Toshev
CTO

Nikola has been building software and teams that build software for more than 20 years. He has worked with stock exchange trading, financial technology in general, blockchain and cryptography, and machine learning.

Solomon Afranie
Business Analyst, Ghana

Business Analyst and Design Thinking Facilitator

Carmelle Cadet

Founder & CEO

Carmelle is an experienced Finance and Business Leader in the Enterprise IT sector, with specializations in the Financial Services and Blockchain Technologies. A passionate advocate for financial inclusion, economic development, and a former Finance and Business Executive at IBM, Carmelle is now the founder and CEO of EMTECH, a Modern Central Bank Technology Company.

For the last 3 years, Carmelle worked on Digital Currency technologies and strategies for the purpose of addressing financial inclusion and lowering the cost of cross border payments.

As a thought leader in the Central Bank Digital Currency (CBDC) space, Carmelle engages with Central Banks from Africa to the Caribbean to enable their transition to the digital currency era in an inclusive way. She earned her Executive MBA from New York University and was also named NYC Fintech Women’s Inspiring Fintech Females 2019.

Our Advisors

Merline Saintil
Advisory Board Member - Strategy, Product Management, Management.

Current Board Member of GitLab, SPAC. Former COO at Intuit.

Akin Sawyerr
Advisory Board Member - Strategy, Blockchain, Africa.

Current Fintech Advisor and Investor. Former IMF

Natasha Bansgopaul
Advisory Board Member - Strategy, Fintech Growth, Operations.

Co-Founder and COO of DarcMatter (DM), Konstellation, and VegaX

Our broader team is distributed across the Caribbean, Europe, Asia and Africa

Our Partners