As founder and Managing Director of the German payment service provider RatePAY, Miriam Wohlfarth is one of the few female fintech founders and has almost 20 years of experience in the payment tech industry. At RatePAY, she is actively shaping the evolution of the online payment industry. The company is also developing an AI-based, state-of-the-art risk management software. As a result Miriam has acquired a vast amount of knowledge on fraud and risk. She has worked for some of the most successful major global companies (Worldpay, Royal Bank of Scotland) and can be regarded as an angel investor for start-ups. She is a mentor for APX (Axel Springer Porsche GmbH und Co. KG), a FinCompare board member and a partner of PAYMENTANDBANKING, the leading fintech blog in Germany. They organize a series of events, including Payment Exchange and Banking Exchange. In addition to her work at PAB, she also produces fintech podcasts at Digital Kompakt and writes her own column for the biweekly business magazine BILANZ (DIE WELT).