A Fintech Company For Central Banks
Our key Drivers
- We are in the midst of an innovation wave in financial sector that is now impacting central banks
- The role of central banks is key to closing the financial inclusion gaps, especially in a post COVID world
- Ultimate success for central banks require public-private integrations
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 is an experienced Finance and Business Leader in the Enterprise IT sector, with specializations in Emerging Markets, Financial Services and Blockchain Technologies.
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.
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.
Chief Compliance/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.
As a technical advisor on financial services to EMTECH, current focus includes payment innovations; Sandbox Framework; Central Bank Digital Currency; and other financial technology solutions for Central Banks. Her practical experience also includes successful Central Bank capacity building engagements as resident in North Africa as well as Eastern Europe and the Middle East. Specialities include Technology Governance and controls
Ms. Maurice has two advanced degrees including a Master’s from the London School of Economics where she worked towards a PhD on international regulation and compliance. Her most recent publications (November 2016 and March 2018) address financial technology and strategic risk management.
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.
Nikola Toshev
CTO, Blockchain Architect
Nikola Toshev 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.
Founder and owner of a software service company, Blue Edge, in 2001. Co-founder and served as CTO in Sciant, 2016-2020. MSc in Computer Science.
Business Analyst and Design Thinking Facilitator
Our Advisors
Current Board Member of GitLab, SPAC. Former COO at Intuit.
Current Fintech Advisor and Investor. Former IMF
Co-Founder and COO of DarcMatter (DM), Konstellation, and VegaX
Our broader team is distributed across the Caribbean, Europe, Asia and Africa
Our Partners
