Tom Michels wanted to book a haircut online. Years of salon visits, late-night coding and shared decisions turned that small inconvenience into Salonkee, now used by more than 10,000 salons across Europe.

He left a trading desk to learn something new, then spent nearly a decade building Luxembourg’s fintech meeting place. Now the LHoFT’s founding CEO is back in payments, leading Paytm Europe.

Gwendolyn Carpenter is the Head of Artificial Intelligence Division at the European Investment Bank (EIB), where she defines and executes the Group's AI strategy, builds its enterprise AI platform, and leads EU AI Act compliance efforts. A veteran European policy practitioner, she has shaped digital innovation agendas across smart cities, social innovation research, and cybercrime policy - most recently turning her expertise toward the frontier challenge of governing AI inside one of the world's largest development finance institutions.