Toby Baptiste is an accomplished author and thought leader in the fields of emerging technologies and fintech. With a degree in Computer Science from the prestigious Massachusetts Institute of Technology (MIT), he has a deep understanding of the intersection between technology and finance. Toby’s career began at Synergy Financial, where he played a pivotal role in developing innovative financial solutions that leveraged cutting-edge technology. His insights and expertise have led him to write extensively on topics such as blockchain, artificial intelligence, and digital banking transformation. Toby's work is characterized by a commitment to demystifying complex concepts, making them accessible to a broad audience. He is dedicated to exploring the ways technology is reshaping the financial landscape and is a sought-after speaker at industry conferences.