Vilve Vene, the CEO and Co-founder of Modularbank, is Estonia's financial IT pioneer and visionary. For the past 30 years, long before the term “fintech” even became a tangible concept, she has been developing innovative financial technologies and digitising large Nordic banks, such as Swedbank, OP Financial Services and LHV to name a few. She has shaped Estonia's rise as a digital showcase country, being one of the bright minds behind the famous Estonian e-tax system, and was recognised as a “Highly Commended” Woman in Tech at the Banking Tech Awards 2020 by FinTech Futures. Her first technology company Icefire was recently acquired by Europe's largest unicorn and the 4th largest fintech in the world Checkout.com. With her latest venture Modularbank, an API-first and cloud-native core banking platform, Vene is now facilitating the rapid rollout of highly configurable financial products and services, helping businesses across Europe to position themselves for the future of finance.