Joe Divanna is CEO of Maris Strategies, an innovation think-tank providing research and advisory services to the financial services industry and governments. A management and strategy specialist for over 30 years he has helped organisations to rethink financial services and to develop strategies for product development and services creation. A strategist for numerous banks, technology companies and multinational businesses, Joe is also a prolific author and regular contributor to global and regional publications on finance, his views on economics, banking and emerging markets can be read in The Banker, Financial World, FT, New Horizons, FinWeek (South Africa), Malta Business Weekly, Islamic Business & Finance (Dubai), and Middle East Banker (Dubai). A frequent commentator on CNBC (Europe, Africa, Middle East), Citi7-TV, Dubai One, and Summit-TV he is considered an expert on banking, economics, human capital management, emerging markets and Islamic finance. Joe provides cutting edge thinking on banking and financial services with a focus on emerging markets. Joe’s lectures and industry speeches can be heard at numerous industry events on banking, financial services, Islamic finance, emerging markets, economics, innovation, human capital management and leadership. Client Testimonials: “Joe was simply fabulous – his presentation was absolutely first-rate, and was extremely well-received by the delegates. Joe was flexible, friendly and easy to work with.” Conference Organiser, Middle East Financial Technology Conference Specialist subjects: Current State of the Global Islamic Finance IndustryInnovation and Invention in Banking and FinanceSociety Shapes Technology or Technology Shapes Society? Leading Your Customers or Following the MarketsCompetitive Strategies for BanksEstablishing a Growth Agenda in the 21st CenturyFuture of Middle East, African and Chinese Banking.