Miriam Wohlfarth is founder and Managing Director of RatePAY. She is an entrepreneur, speaker and mentor in the European start-up and payment industry. In Addition Miriam is member of the Merchant and Risk Council (MRC), the women's committee of the HypoVereinsbank (HVB) and Women in Digital. She initiates events like the Payment Exchange, the Payment Insider and also founded the German payment award “Goldene Transaktion”. After starting her career in the travel industry, she moved on to the online payments industry in early 2000. Throughout the years, Miriam has held various management roles in sales and business development for companies providing payment solutions to international ecommerce businesses, such as Royal Bank of Scotland (Worldpay and Bibit) and Ingenico. In 2009, Miriam Wohlfarth founded the online payment provider RatePAY which is now part of the Otto Group.