Emma is Senior Associate Consultant at Amarante Consulting. She has more than 15 years of experience in innovation and digital solutions for financial services. Emma has a strong expertise in strategy and implementation of DFS projects to serve vulnerable and un-/underbanked populations. Her areas of expertise include disruptive business models, strategic partnerships, regulatory relationship management (Central banks, Telecom regulator…), product development, distribution, cross disciplinary cooperation & management for project deployments. Prior to joining Amarante, Emma was with Orange Group where she worked on development of financial inclusion via new business models based on mobile money solution in emerging and semi emerging markets in Africa & Middle East (Botswana, Cameroun, Niger, Madagascar, Jordan, Egypt, Morocco…) A French Algerian national, Emma speaks English, French, Spanish, Arabic and Swedish. She is based Helsinki.