Dharmesh Mistry

Dharmesh Mistry has spent forty years working inside banks or building technology for them. His career spans senior positions at Tier 1 institutions, including NatWest and Lloyds, and 7 years as Chief Digital Officer at Temenos, one of the world’s leading banking software companies. He has been a practitioner, a serial entrepreneur, an investor, a mentor, and an analyst. He has been present at every major inflection point in banking technology since the early 1980s, and has the scar tissue to prove it.

He is a founding co-host of the Demystify Podcast, an industry-recognised show focused on banking and fintech. He writes the ‘I’m Just Saying’ column for FinTech Futures and has a broad readership across the banking and fintech industry in over 100 countries. He speaks at major industry conferences and consults with banks and technology companies on core and digital strategy. Dharmesh has recently published “The Intelligent Ledger” a book focused on the near future transformation driven by Agentic AI, Digital Twins, Tokenisation and Quantum.