Carly Smith is a renowned technology and fintech author with a passion for uncovering the transformative power of emerging innovations. She holds a Master’s degree in Digital Innovation from the University of Toronto, where she specialised in the intersection of technology and finance. With over a decade of experience in the industry, Carly has contributed her insights to leading publications and has become a trusted voice in the fintech community. Prior to her writing career, she honed her expertise at Waging Innovations, where she played a pivotal role in developing cutting-edge financial solutions. Carly’s work continues to shape the conversation around technology's role in modern financial systems, making her a sought-after speaker and consultant in the sector.