Digital Version In an era where artificial intelligence (AI) is redefining business practices across industries, leaders like Suman Bhattacharya stand at the intersection of innovation and impact. As the Senior Director of Data Science at DocuSign, Suman is pioneering advancements that not only enhance the user experience but are also reshaping the foundational processes of digital transactions. His journey into the world of data science and AI is rooted in a solid academic background and has evolved into a career marked by foresight, adaptability, and a clear sense of purpose. This exclusive interview for our upcoming edition, Tech Trailblazers Advancing the Next Wave of Innovation – 2025, delves deep into Suman’s trajectory, his work at DocuSign, and the broader role of AI in transforming enterprise SaaS. From driving intelligent agreement management to building ethical and scalable AI systems, Suman offers critical insights into where the future is heading and how we can prepare for it. A Physicist’s Journey into Data Science Suman’s story begins in the world of physics. While pursuing his Ph.D., and later during his tenure at esteemed research institutions such as Los Alamos and Argonne National Laboratories, he found himself applying advanced statistical methods and early machine learning techniques to decipher complex data sets. “I started applying different ML/AI and statistical techniques to process and distinguish signals from noise in the data,” he recalls. Long before “data science” became a buzzword in the tech industry, Suman was already engaging in its core practices. The natural progression from academia to industry came when data science began gaining traction in the corporate world. “When data science exploded in the industry, I decided to take my skills I learned in academia and apply them in industry problems,” Suman notes. His deep understanding of theory, coupled with real-world application, allowed for a seamless transition and positioned him at the forefront of an evolving field. Intelligent Agreement Management: The Next Frontier As Senior Director of Data Science at DocuSign, Suman plays a pivotal role in driving innovation through AI and machine learning. With the advent of Intelligent Agreement Management (IAM), AI is no longer just an enhancement, it is integral to the product’s architecture. “AI plays an important role in extracting information from agreements, creating workflows, and searching stored agreements,” he explains. One standout example is Navigator, a DocuSign product that allows users to store and search through past agreements, even if those agreements were signed with other platforms. This capability marks a shift from static digital signatures to dynamic, AI-powered contract intelligence. “We also apply ML/AI to optimize customer experience as they navigate through the product,” adds Suman, reinforcing the role of data science in creating intuitive, frictionless digital experiences. Elevating Customer Experience and Automation with AI At the heart of Suman’s team’s work lies a commitment to personalization, automation, and security. By leveraging AI to deliver timely, tailored information, they are redefining the digital agreement experience. A prime example of this is the use of AI agents to craft personalized campaign messages. “The campaign the customers receive actually speaks to their business needs, as opposed to a generic email,” he explains. Another high-impact initiative involves AI-led lead scoring. With millions of users exploring DocuSign’s services, manually qualifying each lead would be impossible. Instead, Suman’s team has developed models that prioritize leads based on use cases and behavioral signals. “We apply AI to create a prioritized list of leads to follow up with,” he says. These efforts not only streamline internal workflows but also create meaningful business value. Scaling Innovation Through Applied Data Science Among the most exciting projects Suman has spearheaded is the recommendation engine that helps DocuSign’s sellers match products to customer needs. “We use AI to identify which product to recommend to our customers based on various signals,” he shares. The approach blends traditional machine learning with cutting-edge generative AI, producing tailored value propositions at scale. “For instance, if we know a prospective customer is in the legal industry, we can showcase how different IAM products like Navigator, Maestro, and Unlimited Sends help manage the end-to-end lifecycle of an agreement in a law firm,” he explains. These capabilities provide sales teams with not just data, but context-rich insights delivered with the power of AI. Responsible AI: Balancing Speed with Ethics In an age where AI adoption often outpaces regulation, Suman remains grounded in responsible innovation. “We have a strong governance in place around any AI use cases we productionize,” he emphasizes. The team ensures that ethical standards remain central to their work. One cornerstone of their ethical framework is the “human-in-the-loop” approach. Before any AI-generated content is deployed at scale, it is reviewed for quality, accuracy, and hallucination. “This pilot phase helps us maintain integrity while testing new AI capabilities,” Suman adds. Generative AI Meets SaaS: A Paradigm Shift Looking ahead, Suman sees enormous potential in the convergence of generative AI and enterprise SaaS platforms like DocuSign. In his view, while GenAI is making waves in B2C ecommerce through innovations in search and checkout, its true power in B2B lies in augmenting relationship-driven workflows. “AI has the potential to streamline the entire deal lifecycle in B2B through automation and personalization,” he observes. From shortening sales cycles to empowering customers with faster access to relevant information, GenAI is poised to reshape how enterprise platforms operate. Developing the Next Generation of Data Scientists Suman is deeply passionate about mentorship and fostering future leaders in data science. He highlights that aspiring professionals must be versatile. “A data scientist would require statistics and analytics skills as well as engineering skills to build ML/AI systems in production,” he says. However, technical skills alone are not enough. Suman believes business acumen is what sets great data scientists apart. “It is critical because a data scientist is in a unique position to drive data-driven decisions,” he adds. Being able to communicate complex insights in a language business stakeholders understand is invaluable. Nurturing a Culture of Learning and Experimentation Fostering a culture of continuous learning is central to Suman’s leadership

Digital Version In today’s fast-evolving digital economy, leaders who can align technology, commerce, and purpose are the ones shaping the future. Among the influential figures driving innovation at Mastercard is David Budzevski, Senior Vice President of Business Development & Commercialisation in the Global Acceptance & Merchant Solutions division. With a career journey marked by unexpected beginnings, transformative pivots, and a steadfast focus on innovation, David exemplifies what it means to lead with vision and impact in the global financial services space. In the fast-moving world of digital finance, few leaders blend innovation and inclusion as seamlessly as David Budzevski. With a career that spans startups, national banks, and global platforms, David’s trajectory reflects more than professional growth — it’s a story of vision, reinvention, and grounded leadership. What sets him apart isn’t just his strategic clarity or global expertise, but his unwavering belief that impact must be both scalable and human. Whether guiding merchant solutions across continents or co-creating technology from the ground up, he leads with empathy, listens with intention, and acts with purpose. In every chapter of his journey, David has stayed anchored to the idea that progress isn’t measured only by reach — but by relevance, resilience, and responsibility. From Startups to Global Platforms: A Journey Fueled by Purpose David’s entry into the financial services world was neither planned nor conventional. It began with a startup focused on helping local governments manage and optimize their underground infrastructure. “This was before VC funding was widespread,” David recalls. “Our journey lasted just two years before we had to shut down the business.” While the outcome was not what he had hoped for, the experience proved to be a springboard into the world of technology-driven customer solutions. He transitioned into financial services with the Commonwealth Bank of Australia, where he led their Merchant Solutions division. That role introduced him to the intricacies of the payments industry—a domain that would ultimately define his professional passion. “From that moment on, his interest became unwavering,” he reflects. David went on to take on several product roles across the Australian banking landscape, culminating in a leadership position overseeing Merchant Acquiring for the country’s largest financial institution. With an unquenchable thirst for learning and growth, he joined Mastercard in 2020. There, he co-founded and led the commercial product strategy for the Gateway solution. This role not only gave him global exposure but also an opportunity to partner closely with engineering, manage profit and loss accountability, and drive innovation from concept to market. His successful leadership within Mastercard led to a relocation to the United Kingdom, where he expanded his focus on go-to-market strategies and emerging markets. Today, David oversees global business development and commercialization efforts for Mastercard’s Merchant Solutions portfolio. Learning from the Greats: Mentorship and Leadership Style Reflecting on his development as a leader, David credits several influential mentors for shaping his path. “There were several individuals in both Australia and the UK who have significantly impacted my career,” he says. Notable among them are Sam Itzcovitz, Keith Douglas, Martijn van Os, and Kaushik Gopal. One mentor, in particular, helped shape David’s leadership style—a servant-leadership approach grounded in empathy, clarity, and collaboration. “I see myself as a leader who supports the team like family, gets in the trenches when needed, and sets a clear vision for success,” he shares. He often reflects on the idea that even the smallest presence can have a powerful impact—just like a tiny mosquito can disrupt an entire night.” It serves as a reminder that every contribution matters and small efforts can have big impacts. Creating the Future of Global Commerce David’s current role places him at the nexus of business development and innovation. What excites him most is the opportunity to help shape the future of commerce on a global scale. Working closely with partners around the world, he identifies strategic opportunities and brings forward solutions that create tangible value for both merchants and consumers. “Mastercard’s global footprint and our technology leadership give us a unique platform to influence the evolution of payments,” he says. From tokenization to embedded finance, the potential is immense. David is particularly passionate about empowering merchants to harness these technologies to build more seamless, secure, and inclusive payment ecosystems. He sees the role as not just commercial, but deeply impactful. “Connecting market needs with Mastercard’s capabilities allows us to unlock growth, improve customer engagement, and help businesses thrive in an increasingly digital world.” Balancing Innovation with Fundamentals Innovation is central to Mastercard’s DNA, but for David, it must be purposeful and scalable. His approach begins with a comprehensive understanding of customer needs and market dynamics. “We stay closely connected with partners, merchants, and the fintech ecosystem to identify early signals and challenges.” Innovation, for David, is not just about exploring new ideas but ensuring they are viable, scalable, and aligned with Mastercard’s principles of trust, inclusion, and security. “We rigorously test new concepts and validate them with data to ensure long-term value creation, not just short-term wins.” This disciplined approach allows his team to maintain a balance between bold vision and practical execution—a balance that is critical in a fast-paced, high-stakes industry. Global Exposure, Local Relevance Having worked across continents, David understands that while certain needs like trust and security are universal, how those needs are expressed varies dramatically by region. “One size fits all simply doesn’t work,” he explains. Instead, Mastercard scales globally by listening locally. He emphasizes the importance of cultural awareness, empathy, and agility when entering new markets. Whether it’s enabling QR payments in Southeast Asia or supporting open banking in Europe, the solutions must be contextually relevant. This global-local strategy helps ensure that Mastercard’s innovations are both impactful and inclusive. Aligning with Mastercard’s Mission of Inclusion Mastercard’s vision to power inclusive digital economies resonates deeply with David’s own professional mission. “Our goal is not just to drive commercial growth but to do so in a way that expands access and empowers underserved communities.” His current strategic priorities reflect this commitment. First,

Digital Version In an era marked by rapid digital transformation and disruptive innovation, financial leadership demands more than just precision and prudence, it requires vision, agility, and a relentless pursuit of relevance. El Lee, the Chief Operating Officer of SenSen Technology, stands at the forefront of this new wave of finance leaders. With a career defined by trailblazing ventures and a philosophy grounded in sustainable innovation, El is not just adapting to the future of finance, he’s shaping it. “Finance is no longer just about balancing books or meeting compliance—it’s about building systems that endure, evolve, and empower. My mission has always been to fuse innovation with accountability, creating platforms that deliver speed without sacrificing trust, and intelligence without losing human oversight. Every step of my career, from investment banking to fintech innovation, has been driven by one guiding principle: sustainable value. True financial evolution is not measured in quarterly spikes, but in long-term resilience, customer trust, and the ability to adapt seamlessly to what’s next.” From Investment Banking to Fintech Trailblazer El took his first professional steps within the intense environment of investment banking. There, he gained an insider’s perspective on the mechanics of financial systems, how they function, where they break down, and what they often overlook. “began my career in investment banking, which gave me a firsthand understanding of how financial systems operate — and at times, where they fall short,” El shares. “That experience made me ask harder questions about access, efficiency, and trust.” These questions became the foundation for his transition into fintech. In 2019, he co-founded Onchain Custodian, pioneering Asia’s first institutional-grade digital asset custodian, a venture that signaled a pivotal shift in the region’s digital finance landscape. Just two years later, he co-founded dtcpay, a fintech company that spearheaded fiat-to-token payments in Singapore, offering merchants and consumers new, legally compliant methods of transaction. Today, at SenSen Technology, El is leading the charge in developing programmable financial infrastructure. His vision is a platform where stablecoins, fiat currencies, and card payments coexist, delivering seamless and secure financial experiences. Each chapter of his journey reflects an unwavering commitment to pushing fintech boundaries while maintaining a strong foundation in compliance and real-world applicability. Redefining Success in the New Enterprise Era In today’s rapidly changing business landscape, conventional measures of success no longer capture the full picture.. El reflects on his evolving perspective: “I once believed that success was all about growth — more users, higher volumes, and continuous expansion. Over time, I have come to define success as building systems that endure.” For El, success means staying strong, focusing on lasting growth, and making a positive difference. At SenSen, this philosophy translates into platforms that deliver tangible business value, helping clients reduce costs, accelerate cash flow, and increase operational control. But it is not just about the platform. At the heart of El’s strategy lies a focus on cultivating vibrant team dynamics and a thriving organizational culture. “It’s essential to build a team that embraces accountability, understands how to navigate risks, and confidently explores new ideas within set boundaries. Sustainable momentum is harder than speed. But it lasts longer.” Understanding how financial systems work is only the beginning—real progress comes from identifying where they fall short, and building the solutions that bridge those gaps. Every venture I’ve led has been about making finance more secure, accessible, and relevant for the future. The Intelligence Revolution in Finance As AI, automation, and data-driven strategies reshape the business landscape, the role of finance is transforming dramatically. Finance has moved far beyond its traditional roles of bookkeeping and meeting compliance standards. Today, it’s about strategic intelligence. “According to El, fintech today is shifting focus from simple record-keeping to delivering deeper intelligence. “AI is already replacing routine tasks like reconciliation and anomaly detection, but the real shift is in how fintech can now inform strategy, real-time dashboards, predictive forecasting, embedded compliance.” At SenSen, programmable rule engines and automated data pipelines are utilized to manage everything from wallet limits to transaction routing. By taking this integrated route, fintech becomes a fundamental product strategy instead of just an isolated department. The goal is to make data actionable, driving not only speed but also accountability throughout the enterprise. Unified Infrastructure: A Strategic Game-Changer One of the most impactful financial strategies El has championed at SenSen is the unification of back-end infrastructure. This implies that fiat currencies, stablecoins, card issuance, and compliance functions are all managed within one unified technology stack. The result? Streamlined operations, faster execution, and greatly optimized unit economics. Moreover, introducing real-time liquidity routing across various partners has significantly enhanced the overall customer experience. It ensures better conversion rates, faster settlements, and higher transaction visibility, a benefit for SenSen, its partners, and its clients. “Most importantly,” El emphasizes, “we embedded frontier fintech into the product itself. Our customers don’t just use a platform, they manage treasury, compliance, and payments from one interface. That alignment of fintech and product with market-fit is our strategic edge.” Aligning Finance With Product and Customer Impact In a high-tech company like SenSen, the integration of finance with product development is not an afterthought, it is a strategic imperative. “Finance and financial control is a core part of the customer requirement. When a customer executes a cross-border payment or issues a card, that is finance in action,” El explains. By tightly aligning fintech and product roadmaps, SenSen reduces development cycles and increases the value delivered to clients. The platform is designed to remove friction, reduce handoffs, and build trust, all essential elements in modern financial services. “When you unify payments, compliance, and treasury into one infrastructure, you don’t just gain efficiency—you create a platform that can adapt, scale, and deliver value in ways that siloed systems never can.” Risk Management: Built Into the DNA In a space where innovation and speed are critical, risk management must be proactive and deeply embedded. At SenSen, compliance is not a siloed function; it’s infused into every layer of the organization. “We built real-time

Digital Version In a world where creativity and technology increasingly intersect, it takes a rare kind of leader to balance the artistry of storytelling with the precision of business strategy. Laura Flores Westrup, General Manager of Hogarth Mexico, embodies that balance. With nearly two decades of experience navigating the complex terrain of marketing, brand strategy, and content production, Laura has emerged as a visionary force in shaping the evolution of creative operations—not just in Mexico, but across global markets. Her journey is defined by duality: analytical yet creative, structured yet agile, grounded in Mexico yet inherently global. This unique blend of attributes has powered her professional ascent and made her a key figure in the transformation of Hogarth into a powerhouse of end-to-end creative production. A Career Built in Two Distinct Chapters Reflecting on her professional journey, Laura sees two transformative stages that have brought her to where she is today. “The first stage of my career was about building a solid foundation in business and brand strategy. The second has been much more fast-paced—focused on innovation and delivering results,” she shares. Laura’s early career was steeped in global marketing and creative agencies, where she led strategy for iconic brands. It was here that she honed her expertise in brand-building, creativity, and understanding consumer touchpoints. A pivotal moment came when she was transferred to TBWA Hamburg, tasked with leading global communication strategy for Nivea skincare under the Beiersdorf umbrella. “That experience was not only an immersion in international coordination but also a personal and cultural transformation,” she recalls. “We implemented ten Disruption workshops for the Nivea corporate brand across key markets worldwide. The cultural clashes were real—but the global perspective I gained was invaluable.” The second major milestone has been her role at Hogarth Mexico. Joining in its entrepreneurial infancy, Laura has since led the organization through nearly a decade of transformation. “Each year has been dramatically different. From shaping our market offer from scratch to reinventing our operational model within the WPP network, this journey has been the most exhilarating and demanding phase of my professional life.” Leadership with Purpose and Authenticity At the heart of Laura’s leadership style is a deep belief in human potential. “I’ve always believed in learning from the best and hiring people better than me,” she says with humility. For her, leadership is about amplifying the strengths of those around her and fostering a culture where diverse perspectives are not only welcomed but essential. Her guiding principles are rooted in coherence, honesty, and empathy—values that have helped her build strong, unified teams through both success and adversity. “A leader must be transparent and aligned with the team’s values. That’s what keeps us going during challenging times.” Transforming Hogarth’s Role in Mexico and Beyond Under Laura’s stewardship, Hogarth Mexico has grown far beyond its initial roots in localization and production adaptation. Today, the team leads full-scale creative campaigns, executing some of the most complex and high-stakes content strategies for both local and international clients. “A lot of companies can produce content,” Laura says. “But what differentiates us is the pride we take in high-end delivery and our ability to scale through an intelligent operational model. I know that today’s CMOs struggle over how to feed the omnichannel beast without breaking their budget or sacrificing brand integrity. Our job is to provide that operational peace of mind, so they can get back to focusing on what they do best: creating brand magic.” From local agency partnerships to regional and global accounts, Hogarth Mexico under Laura’s leadership has become a model of integrated, end-to-end production. “We’ve upscaled everything—our team, our technological capabilities, our infrastructure. But most importantly, we’ve evolved our production strategy to align seamlessly with each client’s goals,” she notes. The Mexican Creative Industry on the Global Stage Asked about the current state of the Mexican marketing and creative landscape, Laura is both optimistic and realistic. “In many ways, the challenges and opportunities we face are now global. Technology and AI have introduced new efficiencies, but also new risks, especially around data security and brand integrity.” But she also sees Mexico’s unique advantages clearly: “Our geopolitical position, economic stability, and deep talent pool create incredible opportunities. Our professionals are known for their openness and collaborative spirit, which makes us uniquely suited to thrive in global environments.” Innovation Through Technology—WPP Open Innovation is not just a buzzword at Hogarth—it’s embedded in the very systems that power its work. A cornerstone of this is WPP Open, the proprietary operating system that integrates cutting-edge technologies like Generative AI and virtual production in a secure, brand-safe environment. “WPP Open is our differentiator,” Laura says with pride. “While others experiment on public platforms, we build and test within a closed-loop system that protects our clients’ IP and allows us to innovate with confidence.” Through collaborations with tech giants like Nvidia and Epic Games, Hogarth Mexico is not just keeping up with the pace of innovation—it’s helping define it. “This platform allows us to work smarter, faster, and safer—ensuring that creativity is never compromised by scale or speed.” A Culture of Belonging: Diversity and Inclusion Beyond strategy and technology, one of Laura’s proudest accomplishments is the culture she has helped cultivate at Hogarth. “Diversity and inclusion are not corporate checkboxes—they’re foundational to creative innovation and relevance,” she emphasizes. Hogarth’s recognition as a “Best Place to Work for LGBTQ+” by the Human Rights Campaign for five consecutive years is a reflection of that commitment. “It’s a testament to our belief that when people feel they belong, they do their best work. That’s the environment we strive to create every day.” A Standout Project: Scaling Creativity with Passport Among the many high-impact projects under her leadership, one recent initiative stands out: a collaboration with the design studio Passport for a major North American client. The challenge? Delivering culturally nuanced, brand-consistent creative content at scale and at speed. Hogarth responded by building a unified content supply chain that connected internal teams, clients, and partners on a

Digital Version In the high-stakes, ever-evolving world of real estate development, standing out requires more than ambition; it requires a deep comprehension of markets, courageous innovation, and firm commitment to core values. Christopher Salerno, QC Capital Founder and CEO can exist at the junction of all of these pillars with his real estate investment firm boldly striding across flex space, multifamily, and express car wash asset classes. Because the economic landscape is increasingly unpredictable, Salerno charts a course that redefines how investors approach real estate as well as positions QC Capital as both a movement and a firm centered around performance, transparency, also investors create long-term wealth. His adventure exemplifies what it means to be among 2025’s most impactful leaders in real estate development. It was characterized through persistent discipline plus a visionary mindset. The most powerful transformations in business are not just about capital or strategy — they’re about vision, discipline, and an unwavering commitment to creating value that extends far beyond balance sheets. Leaders who dare to build differently leave a mark not just on markets, but on communities and lives. In a world obsessed with short-term gains, it’s the architects of long-term impact who truly redefine what success means. From Residential Roots to Institutional Excellence Salerno’s entry into real estate began in the residential space, where he quickly distinguished himself. “I realized early on that true wealth and long-term impact are achieved through ownership and investment,” he shares. After leading one of the top-performing real estate teams in the Southeast, Salerno recognized a glaring gap: there were very few firms offering everyday accredited investors access to institutional-grade opportunities without the red tape. This realization laid the foundation for QC Capital—a firm built from the ground up with the mission to deliver data-driven, cash-flowing investment opportunities. Initially focused on multifamily properties, QC Capital has since expanded into high-yield alternatives, including car wash funds and flex industrial spaces. The firm’s ethos remains steadfast: deliver consistent performance, maintain investor alignment, and uphold full transparency. Standing Apart in a Saturated Market In today’s dynamic and often saturated real estate investment landscape, differentiation is essential. QC Capital’s strength lies in its relentless execution, operational discipline, and investor-first approach. While many firms rely heavily on marketing buzz, Salerno and his team double down on institutional underwriting, meticulous data analysis, and vertically integrated management systems. “What sets us apart is how we back up our strategies with real data,” says Salerno. “We don’t chase trends—we stick to fundamentals and execute with precision.” As a leader, Salerno is guided by three core values: integrity, urgency, and clarity. “I believe in making fast but thoughtful decisions, building accountable teams, and communicating with absolute transparency,” he adds. “Whether it’s good news or bad, our investors always hear it straight.” Breaking New Ground: Transformative Projects and Lessons Learned Among the most transformative initiatives QC Capital has embarked upon is its car wash fund—an innovative expansion that opened the firm to a completely new asset class. “It was a leap,” Salerno admits. “But one that proved the power of operational scalability, strong partnerships, and trust within our team.” Unlike multifamily properties, express car washes present a unique business model that blends real estate with operational oversight. QC Capital’s success in this space highlighted the importance of site selection, team cohesion, and speed of execution. More importantly, it validated Salerno’s thesis that today’s investors are eager for recession-resilient, cash-flowing alternatives, especially in periods when traditional assets experience cap rate compression. The experience reinforced a key leadership principle for Salerno: agility is as critical as vision. “We had to build new operational systems, forge industry relationships, and learn fast. It wasn’t easy, but it was one of our most rewarding moves.” True wealth isn’t built by chasing trends — it’s forged through ownership, vision, and a commitment to opening doors for others. Adapting to a Changing Market with Long-Term Strategy While other firms pivot frequently in response to market fluctuations, QC Capital’s approach is strategically anchored. The firm focuses on asset classes that demonstrate enduring consumer demand and operational control. For Salerno, stability and adaptability are not mutually exclusive—they’re complementary forces. “Interest rate volatility and tightening capital markets have shifted the investment landscape,” he explains. “Rather than react impulsively, we’ve doubled down on segments where we see long-term value—express car washes, flex industrial spaces, and underserved submarkets.” In parallel, QC Capital invests heavily in investor education. Through webinars, newsletters, and the company’s own podcast, Salerno and his team aim to empower investors with insights that help them make informed decisions. -The podcast stands alone from QC and is Branded as “The Chris Salerno Show” “We believe educated investors are stronger partners,” Salerno emphasizes. “Our job isn’t just to manage capital—it’s to build lasting trust.” The Tech Advantage: Data-Driven Confidence In a data-rich, tech-enabled age, firms that fail to embrace technology fall behind. At QC Capital, technology is viewed as a non-negotiable asset, enhancing everything from deal sourcing to asset management and investor communications. “Technology gives us a competitive edge,” says Salerno. “We leverage data analytics to underwrite deals with precision, forecast cash flows, and manage portfolios in real-time.” From AI-enhanced market research tools to proprietary investor communications, QC Capital ensures its operations are scalable, efficient, and transparent. “The future of real estate belongs to those who can make fast, confident decisions. Data makes that possible.” Identifying Value: Strategy Meets Discipline When it comes to identifying high-potential multifamily assets, Salerno maintains a disciplined, fundamentals-driven methodology. His team considers population growth, job diversification, supply-demand imbalances, and rent-to-income ratios as key indicators. “We don’t just look at the surface metrics,” he says. “We walk every property, dissect submarket trends, and build conservative, stress-tested pro formas.” The team also evaluates operational inefficiencies and value-add opportunities, particularly those arising from underperforming management or deferred maintenance. “Opportunity often hides in plain sight,” Salerno notes. “The key is knowing where to look—and having the team to capitalize on it.” The Mindset Behind the Mission Leadership, especially in a capital-intensive industry

Digital Version In today’s era of relentless technological disruption, digital transformation has become more than a buzzword—it is an imperative. Across industries and continents, visionary leaders are redefining enterprise growth, empowering innovation, and embedding trust into the fabric of modern digital ecosystems. Among these influential change-makers, Dr. Damodar Sahu, Co-Founder and Chief Growth Officer of Data Safeguard Inc., stands out for his unwavering dedication to ethical innovation, data privacy, and the future of AI-driven enterprise solutions. With nearly three decades of global experience in digital transformation, product development, ecosystem building, and strategic leadership, Dr. Sahu represents a generation of leaders who combine technical excellence with a deeply human-centered mission. At the core of his journey is a belief that privacy is not a luxury but a fundamental human right—a value that has shaped the founding philosophy of Data Safeguard Inc. As the digital world accelerates, it’s no longer enough to simply innovate — we must ensure every advancement is rooted in trust, transparency, and human values. True leaders understand that technology’s greatest impact lies not in what it can do alone, but in how it empowers people and protects their dignity in a connected world. A Purpose-Driven Journey Rooted in Privacy and Progress Dr. Sahu’s career spans leadership roles in technology giants like Wipro, where he led strategic partnerships and digital innovation at scale. Yet, his move into the realm of data privacy was not incidental; it was a conscious response to a rapidly evolving world where data has become both an asset and a vulnerability. Data Safeguard Inc. was born from this realization—that the exponential growth of digital data, coupled with the complexity of global regulations and the rise of data breaches and synthetic fraud leading to financial crimes, demanded a bold new approach. Founded with a mission to safeguard digital futures, the company is committed to building trust-centric infrastructures through AI-powered data privacy solutions and intelligent compliance tools. Defining Growth in the Digital Age As Chief Growth Officer, Dr. Sahu brings a multidimensional perspective to enterprise scaling. For him, growth is not limited to revenue figures but includes building ecosystems of value creators. Leading global marketing, investor engagement, partnerships, and sales, he advocates for co-innovation models that foster long-term collaboration. A signature strategy he introduced is the “3Cs Growth Framework”—Co-Innovate, Co-Invest, and Co-Elevate. This approach ensures that partners and clients grow alongside the company. It reflects a deeper philosophy of shared success and community-based innovation. Through this, Data Safeguard has cultivated an agile, collaborative ecosystem that not only accelerates enterprise growth but also embeds a culture of privacy-first innovation. Redefining Privacy Compliance with AI At the heart of Data Safeguard’s innovation is its flagship platform, ID-PRIVACY®, a zero-code, AI-powered compliance suite designed to address global privacy challenges. From Universal Consent Management to Synthetic Fraud Prevention, the platform offers a full spectrum of solutions tailored to meet the most rigorous data privacy to governance standards worldwide. What sets the company apart is its proprietary AI engine, CCE® (Cognoscible Computing Engine), which powers real-time insights, intelligent automation, and proactive risk mitigation. This technology enables enterprises to not only meet regulatory requirements such as GDPR, CPRA, PDPA, and India’s new DPDPA but to do so with speed, accuracy, and confidence. Addressing the Enterprise Pain Points Modern enterprises face a daunting set of challenges on their digital transformation journey. These include navigating fragmented regulations, overcoming a shortage of privacy expertise, and shifting internal mindsets toward proactive compliance. Data Safeguard confronts these challenges head-on by offering a unified platform that simplifies privacy operations, reduces manual intervention, and makes data protection scalable. Additionally, the company is playing a leading role in advocating for a Global Privacy Interoperability Framework. By working closely with regulators, think tanks, and academic institutions, Data Safeguard is helping to harmonize global privacy standards and establish a common language for trust. Recent Innovations Making an Impact Among the company’s recent breakthroughs is the expanded deployment of ID-REDACT®, a high-accuracy automated redaction tool integrated within the ID-PRIVACY® suite. Capable of handling structured and unstructured data with over 99.54% accuracy, ID-REDACT® enables organizations to minimize compliance risk while protecting sensitive personal information. These innovations are not merely incremental; they represent a shift from reactive compliance to proactive privacy governance. Enterprises can now measure ROI from privacy initiatives, reduce legal exposure, and strengthen their brand trust—all while operating at digital speed. Innovation Meets Integrity: Balancing Growth with Trust In an environment where cybersecurity threats and regulatory expectations are continually evolving, the balance between innovation and trust is critical. Data Safeguard’s approach to this balance is rooted in its design philosophy: Privacy by Design. By embedding compliance, ethical AI, and risk controls into the core of their technology, the company enables its clients to stay ahead of threats while remaining compliant and accountable. Dr. Sahu emphasizes that innovation must be explainable, responsible, and inclusive. With flexible deployment models (on-premise or enterprise cloud), transparent AI algorithms, and support for multilingual compliance, Data Safeguard is enabling enterprises to operate with confidence in a complex world. Emerging Technologies Shaping the Future AI, automation, and blockchain are not just reshaping technology landscapes—they are reconfiguring how trust is established in digital ecosystems. Data Safeguard is at the forefront of this shift, leveraging AI through its CCE® engine to automate compliance workflows, detect anomalies, and personalize user experiences. Blockchain, too, holds promise in privacy management, especially in establishing immutable consent trails and transparent data usage histories. These technologies are being actively explored to create tamper-proof systems of accountability that can scale across borders and industries. Leading Culture with Purpose and Agility At its core, transformation is driven not by technology, but by culture. At Data Safeguard, internal innovation is cultivated through empathy, curiosity, and cross-functional collaboration. Dr. Sahu and his leadership team nurture an environment where every employee feels connected to the larger mission of protecting digital dignity. By fostering clarity of purpose and encouraging rapid execution, the company remains agile amid changing market dynamics. Teams are empowered to take risks, experiment,

Digital Version At a time when global food systems face unprecedented pressure—from rapid urbanization and resource depletion to climate volatility—Henry Gordon-Smith has made it his mission to reimagine how and where we grow food. As the Founder and CEO of Agritecture, a pioneering consultancy that blends data, design, and environmental intelligence, Gordon-Smith stands at the crossroads of agriculture, architecture, and innovation. But this isn’t just a story about vertical farms and sensor-driven greenhouses. It’s the story of a man who saw a gap in the system, chose to fill it, and is now leading a quiet revolution—one data-driven urban farm at a time. Cities weren’t designed to feed people — and that’s where our work begins. Agritecture was born from the belief that smarter food systems belong at the heart of urban life. We combine environmental insight, data-driven planning, and design thinking to help communities build food resilience that’s not just sustainable — but scalable, inclusive, and built to last. Where Curiosity Meets Purpose Gordon-Smith’s journey began with a question that was as personal as it was pressing: What would a truly sustainable city look like, and why didn’t agriculture play a bigger role in it? The deeper he explored this question, the clearer it became that urban agriculture was being treated as an afterthought—if it was considered at all. In 2011, during his graduate studies, he wrote a thesis on vertical farming, which quickly evolved into one of the first blogs dedicated to the topic. The response was overwhelming. Architects, planners, entrepreneurs, and policy-makers from around the world began reaching out. And what started as academic curiosity quickly morphed into a professional calling. “Urbanization was accelerating. Traditional food systems were breaking down. City planning wasn’t built with food in mind,” Gordon-Smith recalls. “Agritecture was born out of a mission to bridge that gap—to bring agriculture to the urban conversation in a data-driven, meaningful way.” Today, Agritecture operates in over 45 countries, helping shape the future of food in environments as diverse as New York City rooftops and the deserts of the UAE. Designing Farms with Intelligence and Empathy Agritecture is not your conventional AgTech firm. At its core, it is a strategic consultancy—offering feasibility studies, master planning, technology selection, and tailored software tools that support the entire lifecycle of urban and controlled environment agriculture (CEA) projects. “We aren’t here to sell hype,” Gordon-Smith emphasizes. “We help people make smarter, more sustainable decisions about how to grow food, where to grow it, and with what tools.” Among the firm’s landmark achievements is the UAE Agricultural Revitalization project (2024–2025), a massive undertaking 1000’s of farms across the country. Agritecture’s team is developing smart irrigation recommendations, low-energy CEA frameworks, and crop diversification strategies fit for desert climates—transforming barren landscapes into thriving, resilient food systems. Another example is Agritecture’s collaboration with IKEA. The global retailer sought to align its sustainability goals with urban food production near store sites. Agritecture’s team advised on integrating modular food production systems that not only cut transport emissions but also increased community engagement and circularity—turning store footprints into food hubs. Beyond client engagements, the company also created the Agritecture Designer Platform, a SaaS tool used by startups, government agencies, and investors alike to simulate and de-risk CEA ventures. The tool models farm economics based on location, technology choices, and operating constraints—democratizing access to informed decision-making in AgTech. We don’t push tech for hype. We design farm systems that understand the people, the climate, and the context — because sustainability without empathy isn’t sustainable at all. Innovation That Matters When asked about the future of agriculture, Gordon-Smith doesn’t flinch. He rattles off five critical innovations that, in his view, will reshape the industry in the next decade: Integrated Climate and Irrigation Automation AI-Augmented Agronomy Localized Food Hubs Using Modular CEA Digital Twin Models for Farm Planning Water-Smart Technologies “These aren’t just buzzwords. They’re solutions to real, existential problems—food insecurity, climate risk, water scarcity,” he says. “Our job is to make these tools accessible, adaptable, and impactful.” Gordon-Smith’s vision goes beyond technology for technology’s sake. It’s about designing systems that can adapt to a changing planet and serve both people and the environment. Innovation should answer a real need — not just check a box. If it’s not adaptable, accessible, and rooted in reality, it doesn’t belong in our food systems. Growing in the Heart of the City Urban farming is no longer fringe. It’s rapidly becoming central to how cities think about resilience, sustainability, and supply chain independence. Gordon-Smith predicts a layered evolution in the years to come: Boutique vertical farms in dense urban cores High-efficiency greenhouses on urban peripheries Supportive policy frameworks for city agriculture Circular systems that reuse water, energy, and nutrients This, he explains, isn’t about scattering farms across rooftops for aesthetics. It’s about embedding food systems into urban infrastructure—turning cities into living, breathing ecosystems. Grounding Innovation in Sustainability At Agritecture, sustainability isn’t just a checkbox. It is the DNA of the firm’s methodology. Every project is assessed along four key pillars: environmental impact, economic viability, community engagement, and scalability. This means looking at the entire supply chain. It means calculating lifecycle footprints. It means asking hard questions about who benefits—and who doesn’t—from the implementation of a new technology. “In the Caribbean, we focus on hurricane resilience. In the UAE, it’s about conserving water,” Gordon-Smith explains. “Sustainability isn’t one-size-fits-all. It has to be contextual. It has to be real.” Bridging the AgTech Divide Despite the promise of AgTech, Gordon-Smith is acutely aware of the barriers faced by traditional farmers: high upfront costs, lack of digital literacy, and tools that often feel designed for someone else. “A lot of AgTech is built in silos,” he says. “We work to bridge that divide by designing hybrid models and working closely with everyone from banks to farmers to policy-makers.” This people-first approach includes training, educational initiatives, and product development that prioritizes accessibility and inclusion. “It’s not just about deploying tech,” he adds. “It’s about co-creating solutions that actually work on

Digital Version As the world pivots towards clean energy solutions to confront the intensifying climate crisis, leaders in renewable technologies are emerging as pivotal change agents. Among them is Oscar Espinosa Mijares, the Founder of Pellet México Bioenergía, whose journey in reshaping Mexico’s energy landscape began with a visionary mission: to transform industrial fuel consumption through sustainable bioenergy alternatives. Founded in 2016, Pellet México has grown from a bold idea into a catalyst for systemic change, redefining how residual biomass is viewed, valued, and utilized in the pursuit of decarbonization. We’re not just replacing fossil fuels — we’re challenging the way the world sees waste, energy, and responsibility. Every pellet we produce carries the story of a smarter, more sustainable future. What started as a vision to decarbonize industry has become a movement rooted in action, precision, and purpose. A Vision Rooted in Change The origin of Pellet México Bioenergía was driven by a deep awareness of Mexico’s need for a more diversified and environmentally conscious energy matrix. From its inception, the company aimed to promote alternatives to fossil fuels, especially in industrial heat generation—a sector long reliant on diesel and LPG. For Espinosa, the goal wasn’t merely to develop a new fuel source but to lead a broader movement toward a circular economy. “We have always advocated for the necessity of a complementary energy matrix that supports the planet’s sustainability goals,” he explains. The company’s focus is on substituting fossil fuels with solid biofuels derived from residual biomass, ensuring that waste products from various industries are reintegrated into the energy system in a sustainable, circular loop. Pioneering Innovation in Biofuels Pellet México has not only introduced an alternative fuel source but has also carved out new paths in technological adoption and application. As the first company to install a wood pellet mill in Mexico, it has set the standard for others in the region, showing both feasibility and replicability in its model. One of the company’s most significant innovations lies in its ability to turn residual biomass—byproducts of agriculture, forestry, and industrial processes—into high-quality solid biofuels. This transformation is not just a technical feat; it’s a socio-environmental achievement. “We promote a circular economy model,” Espinosa states, “where productive process residues are reintegrated for energy use, reducing waste and mitigating CO₂ emissions.” By leveraging local feedstocks, Pellet México has also crafted a regionally adaptive model, ensuring that the biofuel solutions are both sustainable and accessible, reinforcing the broader socio-economic fabric. Measuring Impact with Precision and Purpose Unlike many companies that speak vaguely of impact, Pellet México has developed a methodical approach to measuring its contribution to sustainability. The company evaluates its performance on three primary variables: the amount of residual biomass transformed, the quantity of fossil fuels substituted, and the corresponding carbon emission reductions. From its pilot plant in Valle de Bravo, the company has already produced 600 tons of wooden pellets and repurposed around 1,500 tons of sawmill residues. With expansion plans underway, Pellet México is poised to scale production to 13,000 tons annually by 2026, a move expected to significantly amplify its environmental impact. Over a ten-year horizon, the anticipated carbon mitigation is striking: 123,967 tons of CO₂ equivalent from diesel substitution and 243,733 tons of CO₂ equivalent from replacing LPG. These are not just numbers—they represent tangible contributions to global climate goals and a shift in how Mexico thinks about industrial energy consumption. Innovation, for us, isn’t about new technology alone — it’s about giving discarded resources a second life with lasting value. Overcoming Systemic Barriers Espinosa’s journey, however, has not been without formidable challenges. “Creating the market for biofuels in Mexico was our biggest obstacle,” he reflects. Before 2016, biofuels were scarcely discussed, let alone adopted, within the country. Convincing industrial clients to embrace biomass solutions demanded extensive advocacy, education, and patience. “It took years of effort and continuous communication in every possible forum to demonstrate the technology’s viability,” Espinosa says. But persistence paid off. What was once a fringe concept is now part of a visible trend gaining momentum across the region. Forging Global Partnerships One of the strategic decisions that helped drive Pellet México forward was the development of a strong international network. Since 2017, Espinosa and his team have collaborated with European partners to introduce best-in-class technologies for both pellet production and biomass combustion. Key collaborations include partnerships with Industrial Limones and Natural Fire from Spain, Hargassner and Kohlbach from Austria, and Uniconfort and AMG from Italy. These alliances have allowed Pellet México to adopt advanced technologies and adapt them to the unique regional context of Latin America—ensuring that innovation remains grounded in local relevance. A Glimpse Into the Future Looking ahead, Espinosa sees a promising but complex path for biofuels. “The sector is experiencing remarkable expansion and forward-thinking developments,” he states. With the ongoing global push to decarbonize sectors like transportation and manufacturing, biofuels—including Sustainable Aviation Fuel (SAF)—are expected to play a central role. Pellet México’s ambition is twofold: to continue growing Mexico’s internal market for biofuels and to support regional adoption throughout Latin America. “There is an underutilized potential in the region for incorporating local feedstocks into a sustainable energy value chain,” Espinosa emphasizes. Commitment to Research and Local Development To maintain a competitive edge in the dynamic energy sector, Pellet México has built its research and development strategy around collaboration. The company actively engages with global tech innovators while also partnering with local universities and research institutions. This dual approach ensures that the company not only remains current with international trends but also contributes to localized innovation ecosystems. “We’ve always believed that real progress comes from shared knowledge and the ability to adapt it to meet local needs,” Espinosa notes. Aligning with Global Sustainability Goals Pellet México’s work directly supports multiple UN Sustainable Development Goals (SDGs). These include: SDG 7 – Affordable and Clean Energy SDG 9 – Industry, Innovation, and Infrastructure SDG 11 – Sustainable Cities and Communities SDG 12 – Responsible Consumption and Production SDG 13 – Climate Action

Digital Version In a business world increasingly defined by authenticity, inclusion, and purpose, Patrice Boone has emerged as a powerful force in shaping the narrative of modern leadership. As Senior Vice President and Chief Marketing Officer –  Home & Auto at Synchrony, Boone brings a wealth of experience, insight, and emotional intelligence to her role. Her leadership is rooted in service, driven by empathy, and grounded in a deep understanding of both the marketplace and the people within it. In the 2025 edition of Visionary Black Leaders Transforming the Business Landscape, Boone’s journey stands out as a blueprint for how transformative leadership can uplift teams, build brands, and create enduring impact. True leadership isn’t about commanding attention—it’s about creating space for others to rise, feel seen, and lead with confidence. That’s how transformation begins.   Leading with Service: A Defining Career Moment Boone views leadership not as a position of power, but as a commitment to responsibility. One of the most formative moments in her career came when she stepped into the role of Chief of Staff for a newly formed organization. Charged with integrating three disparate teams under one leader, Boone was thrust into a situation filled with anxiety, uncertainty, and transition. She quickly realized that the most important thing she could do was to listen. “People were understandably anxious,” she reflects. “I had to support them emotionally and advocate for their needs.” This role sharpened her instinct for servant leadership—removing roadblocks, creating psychological safety, and ensuring everyone felt seen and heard. This experience taught me a fundamental principle — true leadership is rooted in service, not authority. That philosophy continues to guide her approach at Synchrony. Championing Representation and Accountability As a Black executive in a leading financial services company, Boone carries a dual responsibility—to lead, and to model. She is highly conscious of the influence visibility holds and why representation matters. “Inclusion isn’t just about making space,” she explains. “It’s about actively driving growth and advancement, for people who look like me.” Boone makes it a priority to mentor and sponsor diverse talent, both within her immediate team and throughout the organization. She believes in creating a culture where open dialogue and accountability are not optional, but essential. By encouraging her team to reflect, engage, and question the status quo, she ensures that diversity and inclusion are woven into the very fabric of the company’s culture. Marketing Innovation with Purpose and Precision In a financial landscape where digital transformation is constant, Boone’s marketing philosophy is both agile and deeply strategic. “Consumers want dynamic and personalized content,” she notes. “That expectation has become the norm.” At Synchrony, Boone is steering marketing efforts that are authentic, data-driven, and human-centered. She emphasizes the importance of deep consumer understanding—knowing where customers are, what they need, and how to engage them across every channel. Rather than chasing trends, Boone focuses on building long-term relationships through consistent, values-based messaging. Her vision guarantees that each interaction consistently reflects the brand’s values and strengthens trust with the audience over time. Turning Challenges into Catalysts for Change Boone is candid about the challenges she has faced as a Black woman in executive spaces. Early in her career, she often found herself in rooms where she was the only person who looked like her. “There was a pressure to prove myself, or to speak on behalf of all Black people,” she says. Over time, however, she reframed that experience—not as a burden, but as a strength. Her distinct perspective has become a competitive advantage, especially in marketing. It allows her to see overlooked narratives, untapped needs, and the gaps in traditional approaches. Boone describes this as a “superpower,” one that brings empathy, resilience, and awareness to the table. It allows her to build connections with diverse audiences in a way that is both strategic and authentic. Creating Inclusive and Resonant Strategies Boone understands that effective marketing must reflect the diverse world it serves. She draws on her personal experiences in every campaign and prioritizes building a diverse team. “If the people shaping the narrative don’t reflect the audience, the message won’t land,” she explains. She also ensures that insights go beyond surface-level demographics. For Boone, understanding consumer behavior means understanding cultural context, personal values, and lived experience. Today’s consumers expect brands to stand for something, and Boone is committed to ensuring Synchrony delivers on that expectation with integrity and depth. A Legacy of Purpose-Driven Leadership Among the initiatives Boone is most proud of is Synchrony’s Education as an Equalizer, launched in 2021 with a $50 million commitment. This initiative addresses economic inequality by supporting marginalized and first generation college students in their pursuit of higher education and financial literacy. It includes three core pillars: enabling college attainment, providing workforce training, and equipping individuals with financial management skills. Boone sees this as more than a corporate initiative—it’s a statement of values. “Our children are our future,” she says. “Supporting education today ensures broader representation at the decision-making table tomorrow. Tables where people who look like me can sit and lead.” Visionary Leadership in 2025 and Beyond To Boone, visionary leadership in today’s world is about more than foresight—it’s about purpose. “She describes it as creating an environment where people and their ideas are able to thrive. That means leading with clarity, empathy, and adaptability. It means challenging outdated thinking and fostering a culture that embraces innovation and inclusivity. At Synchrony, she embodies this by staying close to her team, encouraging bold thinking, and connecting strategy to action. Boone is intentional in shaping change rather than merely reacting to it. By aligning values to vision, and vision to execution, she creates momentum that not only moves teams forward but inspires them to lead. Inclusion isn’t just about making space — it’s about actively driving growth and advancement, particularly for underrepresented groups. Unlocking Growth Through Perspective Boone believes that Black leaders bring a unique ability to identify blind spots—whether in products, hiring, or broader business culture. “We’ve had to navigate systems that