A digital transformation expert with over 12 years of experience across Africa and Europe, working at the intersection of technology, business and regulation in banking, financial services, consulting, SaaS and the public sector. He specialises in AI-driven transformation, intelligent automation, regulatory technology and digital operating model redesign. As a DALCOTTI Associate Partner and Doctoral Researcher in banking regulatory transformation, Luis helps organisations harness AI and emerging technologies to modernise operations, strengthen compliance, improve decision-making and deliver better services across financial services, government, education and healthcare.