Pavlos Christoforou is the CEO of MUFG ISFT based in Cyprus. He has over 20 years of experience in designing, implementing, and deploying large-scale cloud-based financial applications. Previously, he was the CEO and founder of Point Nine Limited, a financial technology company in Cyprus, which was acquired by MUFG. He holds an MSc in Physics from Stony Brook University and a BSc in Physics from Imperial College London.