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A Fintech Company For Central Banks

We build software to make the core financial infrastructure inclusive and resilient by design.

Our key Drivers

Why Central Banks?

We believe central banks need to innovate in order to deliver on the mandate of maintaining financial stability and efficient payment infrastructure for all. Our approach maps policy frameworks to technologies that can execute as intended.

Why Emerging, Developing & Transitional Markets?

There is a clear need and demand for modern payment infrastructure across the Africa and Caribbean regions. The financial market infrastructure in emerging, developing and transitional markets is cash heavy, inefficient and exclusive to many.

The Team

Carmelle Cadet
Founder & CEO
A passionate advocate for financial inclusion and economic development in emerging markets, Carmelle founded EMTECH, a NY-based Fintech, to help Central Banks around the world with adopting modern technologies to provide financial inclusion by design and develop resilient financial market infrastructures.
Diane Maurice
Chief Risk & Policy Officer

During her 35-year career, her public sector work included serving at the Federal Reserve Bank of New York and the Federal Reserve Bank of San Francisco and most recently at the US Treasury in the Office of Technical Assistance where she advised Central Banks.

David Abramovitz
Executive Director - Strategy & Business Development

David began his career as a Staff Attorney at the U.S. Securities & Exchange Commission in both the Market Regulation and Enforcement Divisions. After working as an analyst and salesperson for two of the largest sell-side investment banking firms, David ran his own hedge fund managing and trading equities, options, and futures.

Nikola Toshev
CTO

Nikola has been building software and teams that build software for more than 20 years. He has worked with stock exchange trading, financial technology in general, blockchain and cryptography, and machine learning.

Nita Saint-Hilaire
Head of Product
Nita is a native New Yorker by way of Haitian parents. A marketer at heart, and a Data Engineer & Programmer by trade with an art for Creative Thinking, Strategy and Storytelling. Nita has over 20 years of relevant experience in Marketing, Product Development, Research and Analytics.
Solomon Afranie
Business Analyst, Ghana

Solomon has years of experience as business development lead with proficient design thinking capabilities. His expertise lies in developing and effectively adopting technological design solutions to fit existing and emerging problems.

Our Advisors

Merline Saintil
Advisory Board Member - Strategy, Product Management, Management.

Current Board Member of GitLab, SPAC. Former COO at Intuit.

Akin Sawyerr
Advisory Board Member - Strategy, Blockchain, Africa.

Current Fintech Advisor and Investor. Former IMF

Natasha Bansgopaul
Advisory Board Member - Strategy, Fintech Growth, Operations.

Co-Founder and COO of DarcMatter (DM), Konstellation, and VegaX

Andrew Lundsten
Advisory Board Member - Strategy, Finance & Operations, Former Stripe and PwC

Our broader team is distributed across the Caribbean, Europe, Asia and Africa

Our Partners