Elias M. Tayeh is a senior digital finance strategist with over 20 years of experience advising regulators, financial institutions, and fintechs across MENA, West Africa, and Europe. He is Founder & CEO of Cedratech Consulting Services Ltd. (Cyprus) and Managing Director of Epic Payment Technologies Ltd. (Nigeria). Elias has extensive expertise in building compliant fintechs and payments platforms, and in implementing international standards including ISO 27001, PCI DSS, PSD2, and GDPR. He regularly designs and delivers trainings, lectures and capacity building workshops on digital finance, financial inclusion, risk and compliance, and RegTech/SupTech with institutions such as Frankfurt School of Finance & Management, GFA, Group and GOPA AFC.