Financial technology often draws attention when markets move quickly, but Garth Howat has spent much of his career looking past short-term noise. For him, the more important question has been practical: how can financial systems move money, support institutions, and serve customers across borders with fewer barriers?
That question has shaped Howat's work as a fintech entrepreneur, investor, and executive with more than 17 years of experience across financial services, payments infrastructure, and digital assets. His career spans issuing, acquiring, embedded finance, and blockchain-powered financial systems, with companies operating across the UK, the United States, and Europe.
