Jonas Hedman is an associate professor at Copenhagen Business School’s Department of Digitalisation. His research focus is on how new technical developments shape the fintech sector. He is also interested in the digitalisation of sport and e-sport.

Pam Meadows is an applied micro-economist who serves on the Financial Services Consumer Panel. She was previously was the director of the Policy Studies Institute and before that was a UK government economist in the Home Office and Department of Employment.

Brett Scott is a journalist and author of ‘The Heretic's Guide to Global Finance: Hacking the Future of Money’. He speaks and writes regularly about cashless society. He is a senior fellow at the Finance Innovation Lab and worked previously in the financial services sector.

David Clarke is the head of policy and advocacy at Positive Money, a non-governmental organisation dedicated to bringing about monetary reform. A key part of Positive Money’s mission is to make the creation of money solely the prerogative of the state – a sovereign money system.

Ian Collier is chair of A Cashless Society Working Party at the Institute and Faculty of Actuaries. The objective of the party is to work through the benefits and risks of a cashless society.

Mansoor Iqbal is a writer with a background in consumer and education journalism. He is fascinated by the way brands convey their personalities and the relationships we have with them. When not writing, he can be found doodling, baking or playing the bass guitar (badly).