Anis Kallel is the co-founder and CTO of Kaoun, a Fintech startup based in Tunisia working on eKYC, payments, and credits in the region. Kallel studied Computer Science and Business at the University of Rochester, New York. In 2017, he worked as an associate at Seedstars World where he traveled across Sub-Saharan Africa to identify the best and most investable early-stage startups. Kallel worked with corporates, governments, and startups on growing the entrepreneurship ecosystems, sharing success stories and opportunities, and attracting further investment in the region. Inspired by the potential of technology to reduce barriers to entry for the underbanked and underserved, Kallel moved back to Tunisia to work on Flouci, a mobile banking application that allows individuals and businesses to create a free bank account and a mobile wallet via smartphone, and access a range of financial and governmental services. Kallel is a Fellow at Haram Beans, an alliance of determined entrepreneurs who are building Africa's future, and was nominated in 2019 as one of the top 100 leaders of tomorrow at the St Gallen Symposium in Switzerland.