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Dr. Ruth Wandhöfer

Partner, Gauss Ventures

Dr. Ruth Wandhöfer is an expert in the field of banking and one of the foremost authorities on transaction banking regulatory and innovation in financial technology matters. After a distinguished career of over a decade with Citi, Ruth is now an independent Non-Executive Director on the boards of the London Stock Exchange Group, Permanent TSB and Pendo Systems Inc. She is also a Partner at Gauss Ventures, Strategic Adviser of the ETPPA and Adviser at Coinfirm.

She continues to focus her passion on bringing the financial industry and the emerging financial digital ecosystem together.

Ruth was named as one of 2010s ‘Rising Stars’ by Financial News; named in Management Today’s 2011 ‘35 Women under 35’ list of women to watch and identified as one of the 100 Most Influential People in Finance 2012 by the Treasury Risk Magazine. She received the ‘Women in Banking and Finance Award for Achievement’ in 2015 and in 2016, 2017 and 2018 she was named on the global ‘Women in Fintech Powerlist’ of Innovate Finance. She is a 2018 and 2019 Top 10 Global Fintech Influencer (Fintech Power 50).

She speaks five languages, has completed studies in Financial Economics (MA, UK), International Politics (MA, FR), an LLM in International Economic Law (UK) and a PhD in Finance (UK/NL). She published two books: “EU Payments Integration” (2010) and “Transaction Banking and the Impact of Regulatory Change” (2014), is a Fellow of CASS Business School City University London, aVisiting Professor at the London Institute of Banking and Finance and also lectures at Queen Mary London School of Law.

What is it about FinTech that excites you?

The ability to reshape our business and social lives, create new players and infrastructures and transform the concept of sovereignty itself.

What do you envisage being the biggest development in FinTech in the next 5 years?

The broad application of DLT across financial markets, payments and identity.

What do you enjoy doing in your time away from work?

Spending time with my children, travel/adventure, writing books and reading.

What is the biggest change that you have witnessed in the sector over the past 12 months?

I have started to see the larger incumbent players finally beginning to embrace Fintech, in particular foundational technologies such as DLT and smart contracts but also agent-based-risk modelling and blockchain risk analytics.