Minister of Digital Transformation
Government of the Republic of North Macedonia
Stefan Andonovski serves as Minister of Digital Transformation of Macedonia, spearheading the country’s digital transformation and public sector modernization agenda. His priorities include strengthening national cybersecurity capabilities through CIRT, advancing secure digital connectivity and interoperability across public institutions, and expanding access to digital public services, including the addition of 220 new services to the national uslugi.gov.mk portal and the establishment of 15 new service centres. He is also recognized as a leading figure in the implementation of Macedonia’s Reform Agenda commitments, driving institutional reform and digital modernization. Mr. Andonovski holds a master’s degree in International Relations from Johns Hopkins University, USA.
LinkedIn ↗Governor
National Bank of the Republic of North Macedonia
Trajko Slaveski, Ph.D., is a full professor at the Faculty of Economics of Ss. Cyril and Methodius University in Skopje, with postgraduate studies at California State University and Harvard University. He co-authored the first Anti-Inflation Programme of the Republic of Macedonia in 1992, which laid the foundations for the introduction of the denar, and later served as Minister of Development (1999–2000) and Minister of Finance (2006–2009), in that capacity also representing the country as Governor of the World Bank and the EBRD. He has authored eight books and numerous scientific and expert articles on economics and public finance.
President
Economic Chamber of North Macedonia
Branko Azeski has led the Economic Chamber of North Macedonia since 2005, overseeing its transformation into a modern, influential and member-focused business institution. Under his leadership, the Chamber has strengthened its role in shaping economic policy, improving the business environment and fostering structured dialogue between the private sector and government. At the regional level, as President of the Western Balkans Six Chamber Investment Forum (WB6 CIF), he works to strengthen regional economic cooperation, investment and business competitiveness. A lawyer by profession, Mr. Azeski is a graduate of Ss. Cyril and Methodius University in Skopje.
LinkedIn ↗Founder, MINT Fintech Group; President, NBFI Group of North Macedonia
Nikola Josevski is a financial sector executive, entrepreneur and founder of MINT Fintech Group, with nearly two decades of experience across banking and non-bank finance. A strong advocate for financial innovation, he was among the initiators of the first Fintech Hackathon in North Macedonia, supporting entrepreneurship, emerging talent and the startup ecosystem. His work focuses on fintech, digital transformation, financial inclusion and new financing models. He currently serves as President of the Group of Non-Banking Financial Institutions within the Economic Chamber of North Macedonia.
LinkedIn ↗United Nations Resident Coordinator in North Macedonia
Rita Columbia brings 20 years of experience in international development, humanitarian, and management. Prior, she served as the UN Population Fund (UNFPA) Representative in Iraq, as well as UNFPA Representative in Moldova, Country Director for Albania and as part of the UNFPA Regional Office for Eastern Europe and Central Asia’s Senior Management team. Ms. Columbia holds a master’s degree in Non-Profit and Health Management from New York University, master’s degree in Public Administration from Kazakhstan Institute of Management, Economy and Prognosis and a medical degree from Kazakhstan National Medical University.
LinkedIn ↗Head of Supervision Department
Central Bank of Montenegro
Nikola Bašanović has over 16 years of work experience in banking supervision; since 2013, he had managed the Division for Licensing, Approvals and Measures, and since 2018, he has been covering the position of the director of the Directorate responsible for regulation issues. Afterwards, he has been responsible for managing the Directorate for licensing of all financial institutions in Montenegro, issuing all types of authorisations that fall under the regulations governing the banking operations, development and monitoring of the implementation of supervisory measures towards financial institutions, processing violations, oversight of the implementation of international restrictive measures and the assessment of compliance with other regulations governing the operations of banks and providers of non-banking financial services. Since November 2025, he has served as Director of the Supervision Department, overseeing all credit institutions and non-bank financial institutions, as well as the Development Bank of Montenegro and the Credit Guarantee Fund of Montenegro.
LinkedIn ↗Country Officer for Kosovo and North Macedonia
International Finance Corporation (IFC)
Visar Perani is the Country Officer for Kosovo and North Macedonia at the International Finance Corporation (IFC), a member of the World Bank Group, where he has served for more than a decade, overseeing IFC's operations and strategic engagements across both countries. With over 25 years of experience in the financial sector, Mr. Perani has extensive expertise in corporate finance, credit risk, and retail banking. His work is focused on fostering private sector development, mobilizing investments, delivering advisory services, and supporting reforms that strengthen the business environment and promote sustainable economic growth.
LinkedIn ↗President
Association of Microfinance Institutions in Bosnia and Herzegovina
Elma Zukić is the President of the Association of Microcredit Organizations in Bosnia and Herzegovina (AMFI) and a Board Member of the Microfinance Centre (MFC), one of Europe's leading networks for inclusive and responsible finance. She has more than 25 years of executive experience in banking, microfinance and financial sector development, with expertise in digital transformation, financial inclusion, ESG integration and institutional development. She leads AMFI's strategic initiatives in digitalisation, ESG and data governance, including the sector-wide ESG & KPI Dashboard Initiative, and actively collaborates with international financial institutions, development partners, European networks and regulators. Her work focuses on strengthening financial ecosystems, promoting innovation and expanding access to finance across the Western Balkans. Elma is a co-founder of the Western Balkans Alliance for Microfinance Cooperation and currently pursues a PhD at the University of Sarajevo, where her research focuses on digital transformation in financial institutions.
LinkedIn ↗President
Macedonian E-commerce Association
Nina Angelovska Stankov is an entrepreneur, business leader, author and former Minister of Finance of North Macedonia, the first woman to hold the position. She co-founded Grouper.mk, one of the country’s pioneering e-commerce companies, and exited the business through its acquisition by Asseco SEE (Payten). She later founded the Macedonian E-commerce Association and has become one of the region’s leading voices in digital commerce, innovation and entrepreneurship. Her career includes board roles with major business organisations, recognition by Forbes 30 Under 30, UNCTAD eTrade for Women and Bloomberg Adria, and leading the regional expansion of Ananas E-commerce. Today she is President of the Macedonian E-commerce Association, the Balkan E-commerce Alliance and the Gender Equality Alliance. In 2026 she published her first book, Nothing by Chance (Ništo Slučajno).
LinkedIn ↗Founder and Managing Partner
FD Credissimo DOO Skopje
George Roukov is Founder and Managing Partner of Credissimo North Macedonia and a Board Member of Credissimo in Bulgaria. His career spans over 25 years across Europe and Latin America. He has built and led consumer lending businesses in North Macedonia, Poland, Romania, Spain and Colombia, with direct responsibility for operations, international expansion and capital raising. His experience in P2P finance covers both the lender and platform sides of the market. One of the pioneers of alternative lending in North Macedonia, he has contributed to the sector’s development over the past decade. He brings an executive perspective on balancing regulatory requirements, commercial viability and consumer protection.
LinkedIn ↗Managing Director
European Microfinance Network (EMN)
Jorgos Papadakis has been the Managing Director of the European Microfinance Network (EMN) since 2024. Prior to that, he worked in the European Parliament, the private sector, and as a media executive. With over 20 years of experience in strategic management, media, communications, and public relations, Jorgos has a proven track record of managing and promoting social impact and minority media platforms. He has been particularly active in the Western Balkans region by leading the Macedonia-based Balkan Youth Foundation from 2009 to 2013.
LinkedIn ↗Head of Cooperation
Delegation of the European Union to North Macedonia
President of Cresud; Head of the International Development Office, General Management
Banca Etica
Gabriele Giuglietti began his banking career at Credito Italiano in 1990 and joined Banca Popolare Etica in 1998, where he has held various positions, including Deputy General Manager from 1998 to 2011, Head of Commercial and Institutional Affairs from 2011 to 2013, and Head of Credit, Institutional and International Affairs from 2013 onwards. He currently oversees Banca Etica’s international development activities, which the group carries out in six countries in the Balkans, five in Latin America, four in Sub-Saharan Africa, and Palestine. He is Chairman of Cresud, the financial company of the Banca Etica Group dedicated to microfinance and fair trade. From 2002 to 2014 he was a member of the Board of Directors of Etica SGR, the group’s investment management company; from 2002 to 2012 of FEBEA, the European Federation of Ethical and Alternative Banks; and until 2020 of Libera Terra Mediterraneo, a consortium of cooperatives operating on land confiscated from organised crime. He is Vice-President of the Microfinance Centre (MFC) and has been co-opted onto the Board of MAIN, the African microfinance network.
LinkedIn ↗Chief Executive Officer
Mikrofin
Milena Haneš has been Chief Executive Officer of Mikrofin, a leading microfinance institution in Bosnia and Herzegovina and part of MF Group, since 2023. She has more than a decade of experience in microfinance and an academic background in law. Through her work she is a strong supporter of financial inclusion and women entrepreneurs, and promotes socially responsible investment.
LinkedIn ↗Executive Director
Halkbank AD Skopje
Aleksandar Iljov is a senior banking executive with over 25 years of experience in financial management, corporate banking, marketing, sales, and international banking. He holds a Master’s degree in Financial Management from Ss. Cyril and Methodius University in Skopje. He began his career at Halkbank AD Skopje in 2000 and has held several senior leadership positions within the Bank, including Director of Customer Relations, Director of Marketing, and Director of the Corporate Branch. Since February 2024, he has been serving as a Member of the Management Board, overseeing Marketing and Digital Banking, as well as International Banking, Assets and Liquidity.
LinkedIn ↗Executive Director
Mikrofin
Ljubomir Mijić is Executive Director of Mikrofin, one of Bosnia and Herzegovina’s leading microfinance institutions, with more than 100 branches across the country. He has spent nearly two decades with the company, progressing from loan officer to branch manager and market manager before taking on senior leadership responsibilities. His strong operational background gives him a practical perspective on customer needs, distribution and growth in microfinance. As Mikrofin marks its 30th anniversary, the company continues to expand and invest in digital services through brands such as TOTO Cash and TOTO 2GO, while maintaining a strong focus on personal customer relationships. Mr Mijić believes technology should make financial services more accessible without losing the human connection that remains essential in microfinance.
LinkedIn ↗Chief Risk Officer
Iute Group
Slobodan Rakovic holds the position of Chief Risk Officer at Iute Group. He has extensive experience in credit risk management across international fintech and banking organizations, including leadership roles at FairMoney, Finko, Aasa Global, and Digital Finance International. His core expertise is international fintech lending, advanced credit risk management, underwriting frameworks, and debt portfolio optimization. He will be joining the panel on digital lending in practice, giving valuable expertise and insights on building trust in the era of AI and the future of human-AI decision making in risk management.
LinkedIn ↗Regional Director, Balkans
Natech
Miodrag Džodžo is Regional Director for the Balkans at Natech, a banking, risk and fintech executive with more than two decades of experience across South-East Europe and international markets. He holds a PhD in Banking and Strategic Risk and an MBA in Corporate Finance and Strategy. Formerly Chief Risk Officer and Executive Board Member at Opportunity Bank Serbia, he now leads sales to banks, microfinance institutions, financial institutions and fintechs in the Balkans.
LinkedIn ↗Advisor to the Management Board
ALTA banka AD Bitola
Nikola Milović is Advisor to the Management Board of ALTA banka AD Bitola. A senior banking executive with more than 20 years in commercial, branch-network, operational and digital-transformation roles, he led the bank’s core operations for more than twelve years, heading five key operational functions, and introduced more than 50 products and processes and delivered over 30 major cross-functional projects along the way. Eighteen years of weekly executive management meetings have given him a practitioner’s view of what keeps a financial institution growing: sustainable revenue, products that win and keep clients, and constructive relations with regulators, shareholders and the wider business community.
Chief Executive Officer, Alter Modus; President, Association of Microfinance Institutions of Montenegro
Alter Modus
Ana Kentera has served as Chief Executive Officer of MFI Alter Modus since 2015, having joined the organization in 2000 as Finance Manager and later serving as Director of Finance and Legal Affairs. With extensive expertise in microfinance, supported by an academic background in law and financial management, she has played a key role in advancing the organization’s processes, organizational development, business planning, and financial modeling. She has completed leading international training programs in microfinance and is a strong advocate for client-centricity, excellence, and high ethical standards as the foundations of sustainable business success.
LinkedIn ↗Chief Executive Officer
Crimson Finance Fund Albania
Dorin Rama, CEO of CFFA since June 2019, joined the company in 2015 as Finance Manager after experience at Safran Group in Paris. Under his leadership, CFFA quadrupled its portfolio and reduced NPLs threefold. He led key internal reforms, including enhanced procedures, MIS implementation, and strategic reorientation, strengthening CFFA’s market position. He holds advanced degrees from Paris 1 Panthéon-Sorbonne and PSL–Paris Dauphine, is a national certified accountant, and has taught financial accounting at the University of New York in Tirana.
LinkedIn ↗Chief Investment Officer
MicroEurope SCR PYME, S.A.
Fabio is an entrepreneur, CEO, investor and board member with international experience across more than 50 countries in impact investing, financial inclusion, SME finance, and innovative financial instruments. Over the course of his career, he has founded and led several pioneering organizations in the impact finance ecosystem, spanning advisory services, research and technical assistance, international rating, and impact investment management. These include Microfinanza, MFR, Impact Finance, ImpactAge. Fabio holds a degree in Economics and Social Sciences from Bocconi University in Milan.
LinkedIn ↗Business Development Manager
Sparkasse Bank Macedonia
Banking professional with over 20 years of experience, including managerial roles at Sparkasse Bank Macedonia, ProCredit Bank Macedonia, and ProCredit Bank Moldova. Experienced in building and leading high-performing teams across SME and corporate banking, business development, and sales. His career combines strategic leadership, international banking experience, and strong stakeholder management. His professional focus is on supporting SME growth, developing future leaders, building long-term client partnerships, and creating sustainable value for businesses and financial institutions.
Director of Marketing & Development
Fondi BESA
Experienced financial services executive with over 20 years of professional experience spanning banking, microfinance, business development, marketing, sales, and strategic management. Currently Director of Marketing & Development at Fondi Besa, with a proven track record in driving business growth, developing market strategies, strengthening customer relationships, and leading high-performing teams. Combines strategic vision with strong operational and analytical capabilities, with extensive experience in product development, network management, organizational initiatives, and institutional positioning. Holds an MBA in Finance and Business Administration.
LinkedIn ↗Principal Banker, Financial Institutions, Western Balkans and Eastern Europe
European Bank for Reconstruction and Development (EBRD)
Arita Hasani is a Principal Banker at the European Bank for Reconstruction and Development (EBRD), based in Kosovo, where she has worked for over ten years leading investments and strategic initiatives with financial institutions. At the regional level, she has played a key role leading the SME programmes supporting competitiveness and green transition. Her expertise spans SME finance, sustainable finance, and financial sector development. She works closely with financial institutions, regulators, governments, and donors to expand access to finance and promote sustainable economic growth.
LinkedIn ↗Founder, Head of Research & Business Consulting
Insider ID
Sergej Zafiroski is a founder, business consultant, and strategic analytics leader with 15+ years of experience building and scaling research and consulting business in Southeast Europe. He has led more than 200 projects for financial institutions, corporations, international organizations and public-sector clients, combining market intelligence, advanced analytics, financial and macroeconomic analysis to address complex business and strategic challenges. Beyond consulting, he has built multidisciplinary teams and large-scale research operations, developed proprietary analytical methodologies, and led projects across banking, FMCG, telecom and public-sector environments.
LinkedIn ↗Journalist; Master of Ceremonies, MicroBalkans 26
Director, Documents and Fraud
Evrotrust Technologies
Lovro Persen is Director, Documents and Fraud at Evrotrust Technologies, a product and fraud-management executive with more than 30 years of international experience in digital identity, KYC/AML compliance and AI-powered fraud prevention. He has delivered scalable solutions across banking, fintech, RegTech, gambling and government, and advises regulators and institutions on identity standards, document verification and digital onboarding. He has led cross-functional, geographically distributed teams through complex product lifecycles and M&A integrations.
LinkedIn ↗Investment Manager
Finance in Motion
Amra Omeragić is a Manager at Finance in Motion, where she manages investments and technical assistance portfolios for the European Fund for Southeast Europe (EFSE) and the Green for Growth Fund (GGF). With 25 years of experience in banking, microfinance, investment management, and development finance across Southeast Europe, Amra has been actively engaged in advancing impact investing, green finance, and gender finance through financial sector development, economic empowerment, and capacity-building initiatives.
LinkedIn ↗Portfolio Manager
Development Guarantee Group
Alberto Didoni is a Portfolio Manager at the Development Guarantee Group (DGG). He oversees the investment and portfolio management activities of SAFE (Scaling Alternative Finance for Entrepreneurs), the new MSME guarantor established by DGG. Alberto is a senior finance and investment expert with extensive experience providing technical assistance services to companies and investors operating in frontier markets. Previously, he was a lead specialist of the financial services and investment department at DAI, a consulting firm overseeing financial sector projects in Africa and Latin America. Alberto founded and directed Varcando Limited, an advisory firm specialised in providing technical assistance to investors and investee firms operating in Africa and Central Asia and also worked in the investment team of Advans International, an MSME finance holding group, and at IFC International Finance Corporation in Peru. He holds a Masters Degree in International Economics from the Graduate Institute in Geneva (Switzerland).
LinkedIn ↗Founder and Chief Executive Officer
Advantis Broker
Branko Kecman has 25 years of professional experience on the capital market in Bosnia and Herzegovina, first as a broker and later as an investment manager, and since 2007 as founder and CEO of Advantis Broker. Over 19 years of operations, Advantis has been recognised as a leading investment banking company in Bosnia and Herzegovina. He has served as a board member of several listed and unlisted companies and NGOs in the country.
LinkedIn ↗Founder and CEO
P2P.mk
Teodor Todorovski is the Founder and CEO of P2P.mk, North Macedonia’s first peer-to-peer investment platform and a pioneer of crowdlending in the country. With extensive experience in finance, banking, and entrepreneurship, he is focused on making investing more accessible, transparent, and connected to the evolving microfinance ecosystem. Under his leadership, P2P.mk connects retail investors with micro-lending opportunities through technology-driven solutions, structured financial intermediation, and a strong focus on transparency, accessibility, and trust across North Macedonia’s alternative finance landscape.
LinkedIn ↗Chief Executive Officer, Kredo; President, Albanian Microfinance Association
Kredo (Albania)
Arlinda Muja is CEO of Kredo.al in Albania and President of the Albanian Microfinance Association (AMA), with more than 25 years of experience in financial services and microfinance. Since beginning her career in 2001, Arlinda has held senior executive positions within leading microfinance institutions in Albania, combining strategic leadership with expertise in operations, technology, business development, and financial inclusion. As President of AMA for more than five years, she has been actively involved in advancing the microfinance sector through industry collaboration, stakeholder engagement, and advocacy. She also served for three and a half years as Vice President of the Microfinance Group within the Economic Chamber of North Macedonia, contributing to regional cooperation and the development of the sector. Arlinda is particularly passionate about sustainable microfinance, financial inclusion, innovation, and expanding responsible access to finance for individuals and small businesses.
LinkedIn ↗Head of Oversight and Development of Payment Systems
Central Bank of Bosnia and Herzegovina
Halid Tvico is Head of Oversight and Development of Payment Systems at the Central Bank of Bosnia and Herzegovina, where he previously headed Operational Payment Systems and the Back Office. He has more than 18 years of experience in central banking and has taken part in many conferences, round tables and seminars on financial market infrastructures. He is actively involved in the preparation for integration into SEPA — including the necessary infrastructure, one of the Central Bank's primary goals — and in the TIPS Clone and other payment systems reform activities. He holds an M.Sc. and is a PhD candidate at the School of Economics and Business, University of Sarajevo (EFSA).
Head of Division, Supervision of Individual Institutions
Bank of Albania
Manjola Mançe Dyrmishi leads the Individual Institutions Division of the Bank of Albania’s Supervision Department, overseeing the assessment of the overall risk profile of the supervised entities, including banks, non-bank financial institutions, IPE and savings and loan associations. Her responsibilities encompass conducting off-site analysis, performing on-site inspections and initiating supervisory measures when necessary. She has been with the Supervision Department since 2000 and has held the position of Head of Division since 2015. She has actively contributed to several working groups focused on regulatory initiatives related to the microfinance sector. She holds a degree in Finance and Banking from the University of Tirana and a Master in Business Administration from the same institution.
Co-Founder
HES Advisory
Herjola Spahiu is Co-Founder of HES Advisory, an independent advisory firm supporting financial institutions, investors, and development partners across microfinance, banking, ESG, and institutional transformation in the Balkans and EU. With more than 25 years of experience in banking and microfinance, including 12 years as CEO of NOA in Albania, she led the post-merger integration of microfinance operations within ABI Bank in her position as Executive Director for Microfinance. She is Board Member in EMN, Vice-Chairman of the Board in NOA Kosovo, and holds an ESG & Impact Investment certification from Frankfurt School of Finance & Management.
LinkedIn ↗Associate Director, MicroBuild Technical Assistance and Housing Finance Systems
Habitat for Humanity, Terwilliger Center for Innovation in Shelter
Dženita Kičić is Associate Director for MicroBuild Technical Assistance and Housing Finance Systems at Habitat for Humanity's Terwilliger Center for Innovation in Shelter. With 25 years across the Western Balkans, Europe, the Middle East, Central Asia and Africa, she has partnered with more than 50 financial intermediaries on strategy, risk, credit operations, MSME financing, affordable housing and green housing finance. A decade in frontline microfinance credit and operations gives her a practitioner's eye for what regulation means at the delivery end. She holds an MBA in Finance, has a background in electrical engineering and is a Certified Expert in Climate and Renewable Energy Finance.
LinkedIn ↗Operations Manager
Partner Microcredit Foundation
Danijela Mujanović is Operations Manager at Partner Microcredit Foundation, with more than 25 years of experience in microfinance and organizational management. She oversees human resources, risk management, procurement, compliance, quality management, and ESG-related activities. Throughout her career, she has played a key role in organizational development, internal controls, and strategic initiatives. Danijela holds a Master’s degree in Economics and is passionate about sustainable development, responsible finance, and strengthening communities through inclusive financial services.
Chief Legal and Compliance Officer
Iute Macedonia
Tatjana Davchev is Chief Legal and Compliance Officer at Iute Macedonia, where she has led compliance, anti-money-laundering and data-protection work since 2020. A financial lawyer with more than fifteen years in compliance at ProCredit Bank, KB First Pension Company and Silk Road Bank, she has introduced EU-level compliance standards across the country’s financial sector. She is one of its most experienced voices on regulatory readiness and responsible lending.
LinkedIn ↗Advisor in the Cabinet of the Minister of Digital Transformation
Ministry of Digital Transformation
Miroslav Grozdanovski is an Advisor in the Cabinet of the Minister of Digital Transformation of North Macedonia, with 12 years of experience in the Ministry and its predecessor. He coordinates the Ministry’s work on EU acquis alignment under Chapter 10 and Reform Agenda commitments in digitalisation and cybersecurity. He played a leading role in drafting the national ICT Strategy SMART/MK 2030 and contributed to key national digital transformation initiatives, including establishment of interoperability platform, portal for e-services and central population register.
LinkedIn ↗International Cooperation Specialist
Economic Chamber of North Macedonia
Daniel Matrakoski is an international cooperation specialist with over seven years of experience at the Economic Chamber of North Macedonia, dedicated to expanding Macedonian economic ties and driving regional integration through platforms such as the Western Balkans Six Chamber Investment Forum (WB6 CIF). He connects domestic enterprises with strategic partners across the Balkans, Central Europe and the Middle East, facilitating high-impact business delegations, driving cross-border trade initiatives and coordinating EU co-funded programmes such as DigitMAK, to advance the international competitiveness and visibility of Macedonian business.
Dean, Faculty of Computer Science and Engineering (FCSE); Coordinator of DigitMAK
Ss. Cyril and Methodius University in Skopje (UKIM)
Petre Lameski, Ph.D., is a professor and Dean of the Faculty of Computer Science and Engineering at Ss. Cyril and Methodius University in Skopje. He has more than 18 years of experience in artificial intelligence, machine learning, and digital technologies, and has authored over 150 scientific publications. He is actively involved in major European initiatives including VEZILKA, DigitMAK EDIH, and EuroCC, supporting the development of artificial intelligence, high-performance computing, digital innovation, and collaboration between academia, industry, and public institutions.
LinkedIn ↗Director
Agency for Innovation, Scientific and Technology Development and Entrepreneurship (INOVA), Associate Member of DigitMAK
Daniela Dimovska is a public administration and economic development professional with experience in project management, institutional development and entrepreneurship support. Her professional career includes work within the General Secretariat of the Government of North Macedonia, where she was engaged in project management and public administration, as well as leadership roles in institutions supporting entrepreneurship and economic development. She previously served as Acting Director of the Agency for Promotion of Entrepreneurship and currently serves as Director of the Agency for Innovation, Scientific-Technological Development and Entrepreneurship – INOVA.
LinkedIn ↗Full Professor, Faculty of Computer Science and Engineering (FCSE); Project Coordinator, “Vezilka” Artificial Intelligence Factory Antenna
Ss. Cyril and Methodius University in Skopje (UKIM)
Prof. dr Dimitar Trajanov, Full Professor at FINKI and Visiting Research Professor at Boston University, is a distinguished academic and innovator in artificial intelligence, data science, and digital transformation. He is Project coordinator of the “Vezilka” Artificial Intelligence Factory Antenna in North Macedonia. With over 200 publications and leadership in 70+ projects, his vision continues to inspire progress in technology, innovation, and sustainable development.
LinkedIn ↗Regional NPL expert and investor
ODM Collections
Dejan Vuković is one of the leading regional experts and investors in the NPL market, with nearly two decades of experience in the acquisition, sale and management of large portfolios of distressed receivables at both domestic and regional level. He is the founder of ODM Collections, the leading independent credit servicer and NPL investor in the Western Balkans, operating across six jurisdictions. He serves as Vice President of the Property and Investment Alliance at the National Alliance for Local Economic Development (NALED) and is a member of the Government of Serbia’s joint working group on the World Bank Doing Business agenda. He holds an LL.B. from the Faculty of Law, University of Belgrade, where he also completed postgraduate specialist studies in corporate management.
Chief Risk Officer
Iute Macedonia
Bojan Bogoev is a skilled professional with over 20 years of business experience in various industries including retail, energy, consumer goods, management services, banking and financial services where he held high level management positions including chief financial officer, director of internal audit and chief economist. Holding a B.Sc. in Finance from Ss. Cyril and Methodius University, his expertise spans credit risk modeling, data science, and decision making. He specializes in fintech strategy, corporate governance, financial analysis, risk assessment, and regional market regulations.
LinkedIn ↗Deputy Executive Director
Fondi BESA
Altin Muça is Deputy Executive Director of Fondi BESA, where he has spent 25 years and has led the Marketing & Development, Credit and Debt Collection departments. In his current role he takes part in setting the institution’s objectives and development plans and oversees several of its departments. An associate professor, he has lectured at universities across Albania. Since 2025 he has chaired the boards of ASF (Agro Socio Fund), a microfinance institution in Albania, and of MICROSMART in Thessaloniki, Greece.
LinkedIn ↗Chief Executive Officer
Tigo Finance DOO
Darko Stojanovski is CEO of Tigo Finance. He joined the company in 2022, initially as COO. He has over 18 years of work experience in the financial sector, in one of the leading banks in the country as Head of Retail Credit Risk Management and as Head of Risk Management Department in a financial services company from the USA. He has a bachelor's degree in Economics, and candidate status for a master's degree in Economics at the Faculty of Economics in Skopje.
LinkedIn ↗Executive Director & Manager
National Agency for Collection (NAN)
Sanja Jovanovska is Executive Director and Manager of the National Agency for Collection (NAN), a specialized company focused on debt collection and credit portfolio management. With a solid background in the banking sector through her work at prominent financial institutions such as NLB Banka, Sanja leads NAN's strategic and operational development, focusing on sustainable growth, performance optimization, and innovation. She brings a practical perspective on managing NPL portfolios, deciding between in-house teams and external debt agencies, and leveraging digital tools to drive efficiency without compromising customer relationships.
LinkedIn ↗Deputy Chief Executive Officer
M Cash Macedonia
Bjanka Katru is Deputy Chief Executive Officer of M Cash Macedonia, part of Bulgaria’s Management Financial Group. Over more than a decade at the company she has moved from human resources into a directorship covering finance and administration as well, and served a period as chief executive. She studied political science and human rights, and holds a master’s degree in economics.
LinkedIn ↗Commercial Director
Kredis
Paula Kovačević is the Commercial Director at Easy Asset Management d.o.o., operating in Croatia under the Kredis brand and part of MFG Group. Over the past five years she has progressed from Financial Advisor to Area Manager and Commercial Director, gaining experience across multiple levels of the business. Today she leads the commercial structure, including sales, management teams, training, marketing, and call center operations. She is passionate about leadership, people development, high-performing teams, and driving sustainable growth through strong commercial strategy, innovation, and trust.
LinkedIn ↗
