Mr. Gazmend Selmani is founder of the first neobank in the Western Balkans and a leading entrepreneur with over 20 years of international experience. He is the architect behind innovative digital solutions, including IBAS, eKosova, and rTrust, which have contributed to advancing digital governance and financial services. His work spans Kosovo, the United States, the United Kingdom, and across Europe, focusing on technology-driven transformation and innovation. Through his ventures, he has played a key role in shaping the region’s fintech and digital ecosystem, supporting modernization, efficiency, and increased access to digital and financial services for citizens and businesses alike.