Joe David is the Founder and CEO of Nephos Group, a Cheltenham-based digital transformation consultancy operating across the UK, UAE, and South Africa. A recognised leader in fintech and emerging technologies, Joe specialises in helping financial institutions and high-growth companies navigate digital innovation, blockchain adoption, and regulatory transformation.

Under his leadership, Nephos Group has experienced rapid international expansion and built a reputation for delivering strategic solutions at the intersection of finance, technology, and compliance. In 2024, Joe was named one of the Top 100 Most Influential Fintech Voices in the UAE by Favikon, reflecting his growing impact as a thought leader in the global digital asset and fintech ecosystem.

Driven by a vision to modernise financial services and empower the next generation of digital-first organisations, Joe combines entrepreneurial ambition with a strong commitment to ethical innovation, global collaboration, and sustainable growth.