Carmelle Cadet | CEO

Carmelle Cadet, CEO, EMTECH

Carmelle is a passionate advocate of digital currency-based platforms, blockchain and capacity building for modernization, financial inclusion and economic development efforts.  She is the Founder and CEO of EMTECH, a fintech helping central banks in emerging markets modernize their financial market infrastructure.  
In her 10-year career at IBM, Carmelle led the global business development efforts of digital currency segment in IBM Blockchain. She holds a BS in Finance, and an MBA, and spent the formative years of her career in corporate finance at IBM, and held other roles in Global Treasury Risk Management and Global Capital Structure Management, before becoming the Business Development Executive for IBM Blockchain World Wire.  
Through EMTECH, Carmelle is on a mission to become the most reputable and trusted fintech partner to central banks in small, developing and emerging economies. The firm partners with central banks, local partners and various tech providers to design, build and deploy modern payment systems that are inclusive and interoperable by design, may it be for domestic, regional and international payments.  Morever, Central Bank governance, compliance, risk management and capacity building are other key pillars the firm focuses on.
As a native of Haiti who migrated to the US in her teens, she has come to appreciate how impactful and essential access to affordable and efficient financial services is to economic development. The goal is to make that a reality for small, developing and emerging economies around the world.


VIP Conference Day 1: 5 November @ 14:00

PANEL An enabling environment for micro-lending

  • Which models will still be successful in 2020
  • Digitisation in lending
  • Leading micro-lending and lending innovations
  • Using data to create meaningful value propositions
  • Putting the customer first, while thinking about costs

VIP Conference Day 1: 5 November @ 16:20

C-Suite Panel: Booming Africa: Embracing and integrating technology and innovation into the market

  • Much needed change to the ecosystem - Enabling new payment developments
  • Making payment systems a core focus
  • Cash and its position going forward
  • Opportunities for incumbents and new entrants
  • Dealing with disruption and tech for payments and financial inclusion
  • Security in an age of cyber-attacks
  • Building trust, winning the customer with unrivalled services

VIP Conference Day 2: 6 November @ 09:00

Central bank panel: Nurturing digital payment innovation: Regulations and policies

  • Starting with a digital-only mindset
  • Creating the building blocks for tomorrows payment systems
  • Core issues to be considered – getting everyone on-board
  • Identify learnings from other regulators that have changed successfully
  • Challenges, policy and solutions

VIP Conference Day 2: 6 November @ 11:20

PANEL Driving innovation: Meeting the demand for affordable x-border payments

  • The rapid pace of digitalisation and market pressure for fast and transparent transactions
  • What is beyond bank-Fintech collaboration?
  • The future of x-border ‘real-time’ payments
  • Keeping costs down: for the bank and the customer

VIP Conference Day 2: 6 November @ 15:20

Advancing B2B x-border payments

  • Fast tracking with API’s
  • Having the right partnerships
  • Advancing from competition to collaboration
  • How is FinTech impacting B2B?

VIP Conference Day 2: 6 November @ 15:40

What Blockchain and Digital Currencies can do for Regional Trade in Africa

  • The physical and financial infrastructure needed for the Africa Continental Trade Agreement (AfCTA)
  • Importance of Digital Identity and Digital Inclusion for MSMEs to not be left behind as markets open
  • The role of Fintechs/Banks, Regional and Central Banks in re-defining the regional payments schemes
  • The potential impact of Facebook Libra, China and South Africa Central Bank Digital Currencies on the region's B2B flows
last published: 04/Nov/19 17:25 GMT

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tel: +27 (0) 11 516 4044



Molly Newman

tel: +27 (0) 11 516 4060



Nkulueko Mpanza

tel: +27 (0) 11 516 4051