Karolina Marzantowicz - Graduate of the University of Warsaw, USCS, and Leadership Academy for Poland, and bridges the technology, business innovation, and psychology worlds. Karolina is a former CTO of IBM for Europe. She has provided architectural guidance to dozens of complex systems' integration engagements (cloud, AI, and blockchain). Her current focus is on privacy by design, modern cryptocurrency algorithms development, and adoption. She is recognized globally as a blockchain and Fintech expert and influencer. Current position A4BEE Architects for Business.