Michal Vodrazka is the Director of the Payments Regulation Division at the Czech National Bank, where he oversees policy, regulation, oversight, and innovation in the payments sector. With more than 15 years of experience in financial regulation and fintech, he combines deep technical understanding with a pragmatic, evidence-based approach to policymaking. Michal established and led the CNB’s fintech unit, creating a structured bridge between regulators and emerging fintech players, and has contributed significantly to PSD2 rulemaking at both EU and national levels.