As founder of Ratepay and Banxware, Miriam Wohlfarth is one of the first female fintech founders in Germany and has over 22 years of experience in the digital industry. In 2009, she founded the payment service provider Ratepay, which today employs over 300 people. With her second company, Banxware she is doing real pioneering work in the embedded financial service sector. Miriam is a member of the Digital Finance Forum of the German Federal Ministry of Finance, a supervisory board member in various corporations, partner of Payment & Banking, a leading fintech blog in Germany, LinkedIn Top Voice and successful book author. Through initiatives such as Startup Teens, Hacker School and 42 Heilbronn, she gets children and young people excited about digitalization and programming.