Dr. Ozan Özerk is a Norwegian-Turkish Cypriot serial entrepreneur and medical doctor. He is the founder of

OpenPayd, European Merchant Bank (EMBank), Bitpace, and MSB.us — businesses that collectively process over $220 billion in annual payments. A Forbes Finance Council member, Dr. Özerk has spoken at the Qatar Web Summit and Fintech Forward, and contributes regularly on BaaS, stablecoins, and the democratisation of banking.