Joshua Bower-Saul leads Cybertonica and with Sergey Velts built the team's revolutionary Transaction Risk and Authentication business since 2016. A graduate of Harvard (MA) and INSEAD (MBA) he has led 9 startup teams and raised funding for a dozen others as well as advised on tech investment for funds and private investors. Joshua has worked in innovation and with start-ups through 20 years experience in new tech and digital. He co-launched Europe’s first corporate streaming service and first crowd-funded music production business.

Joshua, has mentored and advised Europe’s leading accelerators as well as at Berkeley's Skydeck and is a sought-after speaker and moderator in Fintech, AI and other disciplines.