Ramy Refaat

Ramy Refaat is a Digital Transformation Manager at the National Bank of Egypt.

years of experience across digital banking, technology transformation, and cybersecurity. With a strong technical background and hands-on experience in large-scale banking transformation programs, he focuses on building secure, scalable, and customer-centric digital experiences

Ramy has contributed to major digital banking and modernization initiatives and regularly speaks at regional fintech, technology, and cybersecurity events, sharing practical insights on digital transformation, innovation, customer experience, and cyber resilience