Yosha is a Senior Advisor with Finstep Asia and has worked on the recent research commissioned by the Alliance about Fintechs and the female economy. Yosha has spent 15 years in the FinTech sector and worked across Asia as a Financial Inclusion Consultant with CGAP and IFC World Bank Group. She is also the founder of Memeraki (https://www.memeraki.com/), a social enterprise driving financial inclusion for marginalised artisans and arts by empowering them with technology and creating new economic opportunities for them. Their work has have been covered across media outlets like Forbes, SCMP, Tatler, Apple Daily, Hindu, Indian Express and more. She was previously the Founder & CEO of a cashback app with over 1million downloads in India backed by 500Startups, Vectr Ventures, Facebook’s FBStart programme as well as Cyberport’s Startup programme in Hong Kong. She is a regular speaker at digital and payments events as well as advisor to start-ups. Yosha was appointed to the Diversity List 2018 for Hong Kong which aims to give ethnic minorities of Hong Kong a voice in decision making and policy, particularly in government advisory bodies. She was awarded ‘Most Influential Payments Professional’ by World BFSI Congress and Awards 2018, India.