Krunoslav Ris, Ph.D. Author of the book "5G and Next-Gen Consumer Banking Services". https://shorturl.at/osvFI As a Senior Digital Transformation Leader experienced in driving organizational change and managing high-growth agendas. Kruno a digital futurist who covers current Digital Transformation Business processes. He is an international FinTech speaker in over ten countries. Kruno has been in the IT business for 20 years and has worked on more than 400 projects. For the last 15 years, Kruno has followed Digital Transformation processes worldwide on several projects across China, South Africa, Indonesia, Germany, Croatia, Canada, USA. As a CEO of world known Lumen Spei digital consultant agency, he was directly involved in the Digital Transformation of the most prominent Croatian National Institutes and Web3.0 Fintech Projects. His personal qualities, combined with diverse experiences in software development, mentoring, lecturing, software architecting, and strong leadership, give him a versatile perspective on upcoming technologies in the binary digital age. This book is result of spending more than 20 years bringing technology to life, leading digital strategy across multiple channels, transforming ideas that have led to multi-million-dollar businesses, and executing the profitable deployment of new technologies across multiple industries. I thrive on leading diverse teams and delivering operational agility in rapid growth environments with an entrepreneurial mindset. I am a Mediator who builds bridges between Business, Operations, and IT. I am a capable organizer & motivator, experienced Programme/Business Process/IT Manager. Milan Puväa, Ph.D. As IT solution specialist, consultant, professor, and mentor he is combining real life experience together with formal, structured education and development. Milan Puväa, PhD. currently holds the position of CEO/Owner of Ofir Ltd (www.ofir.hr). Carrier in IT sector started in 2003. once he took over the company which mother founded in 1995. From that point until today firm Ofir Ltd. is successfully growing, employing new people, and handling web development (designing, programming, implementing, digital marketing) and computer/network maintenance services. On academic field, Milan finished PhD. Studies in 2013 with thesis "ICT as the foundation of the modern university "and currently, he is also engaged as lecturer in College of Applied Sciences "Lavoslav Rui¿ka" in Vukovar and Faculty of Humanities and Social Sciences in Osijek, Croatia. Experience gained by working with various people, handing numerous IT projects (network, hardware, web applications and marketing strategies) as well as growing a company (financial, networking, and team management) pushes him towards further personal development as well as knowledge / skills dissemination. Milan has published more than 30 scientific and expert articles in peer-reviewed journals, conferences, and books. Through active membership in Osijek Software City and CISEx associations he prepared various lectures in local community as well as Croatia and abroad. Book which you are having now, presents previous experience collected through uncountable working hours among different client profiles and business processes change. One thing those people are having in common - idea of digital transformation and final mind, digital changing opportunity. Some of them succeeded some didn't. Which group do you belong to?
