Michael Spelfogel
Miriam Wohlfarth
TOP 100 LEADERS
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Michael Spelfogel
Title: Co-Founder and President Company: GoCardless
Michael, a Stanford graduate, co-founded Cardless to modernise the traditional co-branded credit card sector. His platform offers the underlying infrastructure that enables major sports teams and consumer brands to launch digital-first card programmes. The result is increased user engagement through direct, customised loyalty rewards, digital wallets and seamless mobile management systems.
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Miriam Wohlfarth
Title: Co-Founder and CEO Company: Banxware
Miriam is a serial entrepreneur and one of Germany’ s first fintech founders. She founded Ratepay, one of the country’ s first BNPL companies, and is now Founder and Co-CEO of Banxware, an embedded finance provider for SME lending. Over two decades, she has helped shape Germany’ s fintech ecosystem as an entrepreneur, investor and supervisory board member.
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