Carlos Sanchez is CEO and co-founder of ipagoo, a pan-european digital provider of cash management and payment services. ipagoo represents a new model for banking where everyday services, such as current accounts and payments, are separated from balance sheet-dependent credit and lending activities to provide a real alternative to traditional banks in Europe and beyond. ipagoos intends to naturally support its customers with non-core activities through a variety of distribution partnerships for savings, credit, investments and other financial services. Carlos is a member of both the Payment Systems Regulator (“PSR”) Panel and the PSR Strategic Forum, which are charged with defining the UK’s current and future strategy for payments. Carlos has also been Chair of the working group within the Forum devoted to specify the New Payments Architecture of the UK, to replace Faster Payments, BACS and CC&C among others. Carlos was previously an executive director at Goldman Sachs in London, acting as financial advisor for the European corporate market in investments. Prior to this, Carlos created, and was CEO, of RBC Dexia in Italy and Dexia Investor Services Bank France, both part of the Dexia Group. Carlos was also Country Head of Fund Services and Head of Operations of Dexia Private Bank France. Carlos holds an MBA from IMD in Lausanne, Switzerland as well as an MSc in Telematics and Degree in Telecommunications Engineering from Vigo University in Spain.