Konstantin Peric is deputy director of Financial Services for the Poor at the Bill & Melinda Gates Foundation. He leads the team that focuses on digital payments. From governance through business models to technology - from ideas through architecture to development: he oversees the strategy and grants to deliver digital payment solutions for the poor. Prior to joining the foundation in 2013, he was the chief architect of SWIFNet, SWIFT’s global secure network connecting 10,000 financial institutions and corporates in the world, and co-founder of Innotribe, SWIFT’s initiative to enable collaborative innovation in financial services. He is the author of The Castle and the Sandbox, a book on how to innovate in conservative companies using open innovation.