John has a lifetime of experience bringing cutting edge innovation to the market. In 1995 he co-founded HIX Internet, one of the first Internet Service Providers in South Africa. He has been at the head of Innovation for major South African media and bank groups for the better part of two decades, and over the last one he has focused specifically on disruptive financial services. He has developed an impressive array of new businesses and products in the financial services industry through good partnerships, working with banks that have an appetite for innovation. These include a tokenised real estate investment platform called MirisX, a new challenger bank for software developers (Root), a Foreign Exchange platform (Shyft), the largest mobile payment solution in South Africa (SnapScan), the largest remittance solution in South Africa with over 10m customers (Instant Money), and BitX - one of the first Bitcoin exchanges, now Luno.com.