Martin Warioba is a Founder and Managing Partner of Warioba Ventures. He has over 20-year experience in Information Technology and payments, both as consultant, project manager and software developer. Martin is one of key Payments and Digital Financial Services (DFS) experts in Africa and he was instrumental in development of scheme rules for world’s first mobile wallet-to-mobile wallet interoperability between Mobile Network Operators (MNOs) in Tanzania as well as Democratic Republic of Congo, Rwanda and Uganda. He advices Central Banks, Commercial Banks, MNOs, FinTech & Startups, Public and Private Sector, NGOs on Payments, DFS Interoperability, Policy & Regulations, and Digital Economy. Previously, Martin was a Founder and Managing Partner at WS Technology Consulting and worked with Deloitte Consulting US LLP and Central Bank of Tanzania. Mr. Warioba has Computer Science degree with a minor in Mathematics from Louisiana State University as well as MBA and MSc in Information Management degrees from Arizona State University. Martin sits on the board of CRDB Bank PLC, a leading bank in Tanzania, as Independent, Non-Executive Director