Michael J. is a visionary in fintech and digital identity, known for shaping transformative technologies that democratize access and redefine trust in the digital age. As former COO of Skype, he created and scaled a $450 million revenue line, pioneering the use of decentralised infrastructure to disrupt legacy value chains. Today, he drives strategic vision for projects at the intersection of blockchain, compliance, and user empowerment—developing stablecoins, token utilities, and embedded identity tools aligned with the MiCA framework. He has served on the supervisory boards of Luminor Bank, AXA Insurance, and Volvo Cars. Michael believes in building systems that deliver real value to everyone—bridging physical and digital worlds with transparency, security, and scalability. At Money 20/20, he’s on stage representing AuthentifyIt, a breakthrough platform for engagement, real-world tokenization, and trusted digital credentials—inviting bold partners to help shape the future of every object on the planet.