Raju Oak is a consultant, coach and mentor specializing in leadership and strategic transformation. He brings years of global experience working across various sectors including Manufacturing, IT, finance, retail, and logistics, and offers a rare blend of deep academic insight and real-world practicality. Raju has empowered corporates, CEOs, executives, and senior managers around the globe to navigate complex business ecosystems successfully.

His expertise is particularly relevant for organizations looking to navigate fast-paced, competitive landscapes and for leaders seeking to manage change effectively. His deep understanding of business environments, non-linear impacts of growing complexity, and the challenges of business transformation make him an authority in the field.

This expertise is evident in his books on complex business ecosystems, which offer both an introduction for senior executives and a detailed, rigorous guide for practitioners. Raju provides a holistic approach that combines systemic thinking with real-world business strategies, enabling organizations to adapt, grow, and excel in today's complex business ecosystems.

Raju holds a doctorate in Managing the Complexity of Business Processes and a Masters in Financial Management. His academic background is further enriched by a host of professional qualifications in areas ranging across Executive Coaching and Mentoring, Software Technologies, Programme, Project and Quality Management.

What sets Raju apart is not just his deep knowledge of business strategy and transformation challenges but also his human-centric approach to problem-solving. His coaching focuses on the cascaded building of leadership within organizations, enabling teams and individual leaders to adapt, innovate, and flourish. With a coaching style that is direct, pragmatic, and empowering, he empowers his clients to navigate through complexity with increased clarity and confidence.

Raju's approach is imbued with a commitment to helping each individual achieve their highest potential, often under complex circumstances. This passion for coaching resonates through his writings, providing an enlightening perspective on how businesses can navigate through their complex ecosystems by empowering their most valuable asset—their people.

For those grappling with the challenges of today's interconnected, volatile business environments, Raju's works serve as an invaluable resource, offering both a theoretical foundation and practical insights for navigating complex business ecosystems successfully.

On a personal note, Raju is a certified level 2 badminton coach. When he's not immersed in the world of business and coaching, Raju enjoys exploring the natural world, and is an avid reader of social science literature, philosophy and history.

Charmaine brings a unique perspective, having contributed to the global development of digital money through the world's leading money transfer company Western Union, a global bank (Royal Bank of Scotland), a top tier mobile operator (Orange FT), LogicaCMG (the pioneer in SMS) and Wipro a leading IT provider.

Charmaine has over 25 years of experience of creating and delivering solutions to market. Her skills and experience are at the intersection of mobile, banking and payments and across functions including market development, business development, marketing, sales, product development, and technical architecture and modelling.

Charmaine's area of expertise is in mapping opportunities in digital money and providing consulting services that leverage Shift Thought's unique Digital Money knowledge base and technologies. Charmaine leads the Digital Money Practice of Shift Thought, which helps companies choose appropriate markets, partners and products for successfully launching remittance and payments products.

Shift Thought specialises in knowledge relating to Digital Money, monitoring market developments in this rapidly growing industry across 32 key services and 200+ country markets. Shift Thought has developed the Digital Money SAGE technology to analyse and share knowledge across multiple perspectives including digital money market opportunities, initiatives, technologies, players and regulatory environments. Services analysed include Innovations in Retail Payment Systems, Banking, Payments and Cash Networks.

Shift Thought provides regional reports, country entry strategy and advice on business development, strategic partnerships, market development and product development. Consulting services and advice is based on a unique framework of the Digital Money ecosystem providing current and contextual knowledge of digital wallets, players & partnerships, products & services, regulatory environment, consumer markets, pricing, and business models.