Gazmend Selmani is the founder and architect of IBAS.world, the first neobank in the Western Balkans (2021). For more than 20 years, he has built innovative companies in technology, finance, education, and real estate in the United States, the United Kingdom, and Europe. Under his leadership, IBAS won the ICT Innovation Award (2021) and obtained licenses for electronic money issuance, lending, and investment advisory.