“Cultivating a Culture of Innovation in Sustainable Agriculture”
Dr. Miguel Santos is the CTO of GlobalPay Solutions, a fintech innovator expanding financial access across emerging markets. With over 15 years of experience in digital banking infrastructure, he’s passionate about scalable systems, financial inclusion, and building future-ready tech.
1. What inspired you to focus on fintech in emerging markets?
My passion for fintech in emerging markets stems from personal experience. I grew up in São Paulo, where I witnessed the struggles of families who didn’t have access to basic financial services.
Many relied on cash, making them vulnerable to theft and hindering credit building. This barrier stunted growth for millions. In tech, I saw an opportunity to bridge this gap by innovating with local realities in mind.
The more I studied it, the more I realized how transformative this work could be. It's not just about transactions; it's about trust, dignity, and opportunity. That’s what motivates me every day.
2. What are the biggest challenges you face when scaling in these markets?
My passion for fintech in emerging markets stems from personal experience. I grew up in São Paulo, where I witnessed the struggles of families who didn’t have access to basic financial services.
Many relied on cash, making them vulnerable to theft and hindering credit building. This barrier stunted growth for millions. In tech, I saw an opportunity to bridge this gap by innovating with local realities in mind.
The more I studied it, the more I realized how transformative this work could be. It's not just about transactions; it's about trust, dignity, and opportunity. That’s what motivates me every day.
3. How do you approach technology differently for these markets?
My passion for fintech in emerging markets stems from personal experience. I grew up in São Paulo, where I witnessed the struggles of families who didn’t have access to basic financial services.
Many relied on cash, making them vulnerable to theft and hindering credit building. This barrier stunted growth for millions. In tech, I saw an opportunity to bridge this gap by innovating with local realities in mind.
The more I studied it, the more I realized how transformative this work could be. It's not just about transactions; it's about trust, dignity, and opportunity. That’s what motivates me every day.