In a global economy where innovation often collides with outdated banking systems, the ability to move money freely and compliantly across borders has become a defining competitive edge. Andrea explores what it takes to scale a financial-infrastructure business that serves international entrepreneurs, e-commerce platforms, and growth-stage companies all without being tied to traditional banking barriers. She examines how new models like multi-currency accounts and region-specific IBANs are empowering businesses to operate as truly global entities, while addressing the compliance, technology, and operational challenges behind them. Drawing from her leadership at 3S Money, Andrea offers a rare view of what it takes to build a payments company that operates on principle and precision showing how smart financial design can unlock growth for businesses in every market.

Fintech has long been seen as an industry of systems and algorithms but it’s also a space defined by leadership, opportunity, and inclusion. Andrea explores the ongoing gender gap in fintech and financial services, highlighting how more women in senior positions directly translates to innovation and stronger, more ethical business outcomes. She shares insights from her own path into leadership, where credibility, collaboration, and confidence had to be built simultaneously in a male-dominated environment. The conversation unpacks practical steps fintech firms can take to foster gender equity, from hiring and mentorship to performance culture and internal advocacy. Through Andrea’s experience leading cross-regional teams at 3S Money, audiences gain both inspiration and a tangible playbook for elevating women’s voices in finance and driving inclusive growth that benefits everyone.

As fintech races toward automation, personalization has become its quiet superpower. Andrea examines why even in a digital payments environment, businesses still crave human connection and why a relationship-first model isn’t old-fashioned, but the future. She explains how 3S Money integrates human expertise into every account, pairing clients with relationship managers who understand their business, culture, and regulatory landscape. This approach turns a transactional process into a partnership, building the kind of trust that technology alone can’t replicate. Andrea’s perspective blends operational strategy with emotional intelligence, offering audiences a masterclass in designing financial services that feel human in a digital world proving that service is still the ultimate differentiator in fintech.

The global payments landscape is changing faster than most companies can adapt, with new regulations, embedded finance models, and open-banking initiatives redefining how money moves. Andrea looks ahead to the next decade of payments, outlining the trends that will separate the disruptors from the disrupted from real-time FX infrastructure and ESG-driven compliance to the new expectations around transparency and ethical growth. She reflects on how leaders can future-proof their organizations by combining strategic agility with a deep understanding of local markets and regulatory nuance. With her experience scaling financial operations across Europe and the UAE, Andrea helps audiences understand what the next generation of payments will look like and how today’s leaders can position themselves to thrive at the intersection of technology, trust, and transformation.