Luiza Buserska is a media and communications expert with more than 19 years of experience in this dynamic field. Currently she is responsible for corporate communications at CODIX, an international software provider for the credit & finance industry: commercial finance, supply chain finance, debt collection, accounts receivable, consumer finance, leasing, credit insurance, etc. Luiza also has extensive experience in both public administration, including the Council of Ministers of the Republic of Bulgaria, the Ministry of Finance, the European Structural and Investment Funds, and the private sector. Luiza leverages her knowledge in close collaboration with CODIX’s business experts to provide insightful analysis and reviews.

With nearly 30 years banking technology experience, Federico is the strategic architect and now executer for efcom's new global marketing & sales approach. Federico is also Senior Partner at the Amontis Consulting Group, Executive Board Member at Sevar AG, Board Member at Meshed Systems, Sales Partner at Asteria AB and holds an MS from Technische Universität Berlin, MBA Visiting Scholarship from University of Illinois and lectures Entrepreneurship at the Computer Science Department at University of Applied Sciences in Darmstadt, Germany. He lived and worked in the Americas, EMEA, Mainland China and Germany and speaks Spanish, English and German.

Igor is the Co-Founder and Chief Risk Officer of 40Seas, a fintech platform that digitizes and simplifies cross-border trade financing for SMEs around the globe. Igor is a seasoned finance professional with extensive experience in banking, blue-chip corporates and consulting. Prior to joining the 40Seas founding team, Igor held senior banking roles at Citibank, Daiwa and Eurohypo/Commerzbank, and served as a senior executive at Dell on the financing and risk management teams. He was also a Managing Partner at SCF Capital, where he played a key role in launching the first supply chain financing platform, and is a seasoned consultant to many companies, including Fortune 100 companies, banks, and fintech. Igor is a frequent speaker at major corporate events and sits on the advisory/editorial boards of TRF News and World of Open Account.

Igor holds a Sloan Fellowship MSc (with distinction) from the London Business School and a Global Professional LLM from the University of Toronto.

João Costa Pereira is a senior banker specialising in factoring, supply chain finance, and trade finance. He currently serves as the Head of Trade Finance at Ouribank in Brazil and is an international business advisor. With a career spanning multiple continents, João has held key roles at renowned financial institutions such as Credit Lyonnais Bank, Eurofactor, and FIMBank where he was focusing on receivables and trade finance solutions. He has also served as the CEO of Brasilfactors, a joint venture between FIMBank, BICBANCO, and IFC, offering domestic and cross-border receivables finance in Brazil. João actively contributes to the industry as a member of FCI's Marketing Committee, sharing his expertise through articles and speaking engagements. He holds an Economics degree from the Lisbon Catholic School of Business & Economics (FCEE).

Diego Tavecchia is Head of the Research, Technical Committees and International Affairs Department at ASSIFACT, the Italian Factoring Association, and Chair of the Prudential Risk Committee (PRC) of the European Federation for the Factoring and Commercial Finance Industry (EUF). Before joining Assifact in 2007, he graduated in International Economics and Finance from the University of Milan, where he also obtained his PhD in Business History and Corporate Finance with a dissertation about the effects of factoring on Italian businesses. He has more than 10 years of experience as a lecturer in courses about factoring and risk management. At the EUF, he established and chaired the Economics and Statistics Committee for several years before taking the lead of the PRC.

Roberto Gutiérrez is a computer engineer with a postgraduate training in marketing and quality systems. He has a track record of more than 30 years designing and creating innovative solutions for the field of commercial financing. At the end of 2003, he decided to capitalize on his experience and knowledge by creating Alvantia, of which he is the Founding CEO. Alvantia is a company with international presence that has factoring and confirming software platforms and a set of complementary solutions that cover the technological needs of financial entities. In addition, Alvantia provides business consulting services and development of customised software solutions, always in the field of commercial financing.