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 member at the MRC European Advisory Board, mentor for Accelerator Axel Springer Plug and Play, 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, she also writes colums and produces fintech podcasts, such as Digital Kompakt. In 2009 she founded the Berlin based payment provider RatePAY, which has more than 200 employees.