Ludwig Mallia is a Fintech Expert and Digital Strategist with over 15 years of experience in IT leadership, focusing on the banking and finance sector. He has a comprehensive understanding of the industry’s nuances and has successfully implemented various digital projects. Ludwig has led the implementation of a Direct Digital Bank and a Corporate Challenger Bank. Ludwig has held senior managerial roles at two systematically important banks in Malta. He holds an MSc in Banking Practice and Leadership from The London Institute Banking & Finance , a BCom (Hons.) in Management, and a BSc in Business and Computing from the University of Malta. Ludwig is a Certified SAFe® 6 Agilist and Certified SCRUM Product Owner. He has been a featured speaker at several digital transformation conferences in Malta, London and Berlin. Ludwig is currently heading the Agile and Value Streams Delivery at Bank of Valletta with the responsibility of leading the enterprise-wide transformation within the bank by fostering Agile practices to maximises value delivery.