David Penn has 20 years of experience as a writer, blogger, and journalist covering the financial markets, small business, and technology. One half of the research team at Finovate.com, he authors Finovate Global, a weekly look at fintech in developing markets around the world.

Sanghamitra Karra is currently the EMEA Head of Multicultural Client Strategy leading the efforts on establishing the Multicultural Innovation Lab in EMEA and the efforts on Sustainability Strategy in the region. She is a member of the Race to Action Group

Sanghamitra joined Morgan Stanley in 2007 , holding a variety of roles in Stress Testing and Scenario Analysis including for Climate Risk, Enterprise Risk Management coverage for Investment Management and Market Risk Methodology in Mumbai and London prior to the current role.

Sanghamitra has a Masters degree in statistics graduating from Indian Statistical Institute and enjoys reading and travelling. She is currently pursing a Masters in Climate Change and Development from SOAS, University of London.