About us

Vision

With its innovative, decentralized software solution, 21finance AG offers banks, financial intermediaries as well as companies outside the financial sector the opportunity to maintain digital marketplaces for the distribution of financial products.

Through their own marketplace, operators can issue, distribute and make available for trading in the secondary market digitized assets such as shares, bonds, investment funds or even security tokens and cryptocurrencies in compliance with the law. Thanks to the white-label software of 21finance AG, many other services along the value chain, such as the opening of a wallet, can be flexibly included.

Investors can thus be offered a fully digital and regulated investment experience. If desired, issuers can place financial products on other marketplaces within the 21finance network. This significantly increases reach and product diversity. With 21finance AG, the respective marketplace operators also benefit from a time- and cost-efficient access to digital sales – and to a digital financial world.

Board of Directors

CHAIRMAN

Herman Kotzé

Herman has been involved in the fintech industry for 25 years. He currently holds the position of Special Projects Executive at Capitalworks, a leading private equity group focused on emerging markets and is also CFO of Capitalworks Emerging Markets Acquisition Corporation, a NASDAQ-listed SPAC. Previously, he served as CEO (3 years) and CFO (18 years) of Net1, a NASDAQ-listed diversified payment technology and financial services group. He served as a director of Net1`s investment companies, including regulated entities comprising two bank holding companies in South Africa & Europe, European e-money institutions, South African insurance and mobile operators and a South Korean payment processor. 

MEMBER

Michael Guzik

Michael had multiple stations at leading blockchain-based ventures with a focus on FinTech. After being appointed as the youngest Head of blockchain at PwC, he led Primary Markets at Lykke, advised the Swiss Stock Exchange on their “Digital Asset Exchange” infrastructure and was Partner at Blockchain Valley Ventures. Previously to founding CLST, Michael founded KORE Technologies, one of the leading infrastructure providers for Digital Assets. Michael graduated from Imperial College London with a degree in Economics.

MEMBER

 Sanjeev Karkhanis

Sanjeev is a member of the Board of Directors and Chairman of the Audit and Risk Committee of SEBA Bank AG, and a Director and NED of FICAS AG. Previously, he served as a Non-Executive Director on the Board of Yoello, and he was NED of a regulated bank in Canada, NED of a non-profit educational institution, and a member of the divisional Executive Committee at UBS. Sanjeev is a licensed CPA and CFA and has a long, successful career with UBS. He has extensive international experience in the US, UK, Switzerland, Japan and Hong Kong and a large international network in these regions.

MEMBER

Roland Frick

Roland Frick is Vice-Chairman of the Board of Directors of Bank Frick. He served as CFO on the Management Board from the Bank’s foundation in 1998 up to December 2015. Roland Frick is a member of the Foundation Board of the Deposit Guarantee and Investor Compensation Foundation PCC, Liechtenstein.

CHAIRMAN

Herman Kotzé

Herman has been involved in the fintech industry for 25 years. He currently holds the position of Special Projects Executive at Capitalworks, a leading private equity group focused on emerging markets and is also CFO of Capitalworks Emerging Markets Acquisition Corporation, a NASDAQ-listed SPAC. Previously, he served as CEO (3 years) and CFO (18 years) of Net1, a NASDAQ-listed diversified payment technology and financial services group. He served as a director of Net1`s investment companies, including regulated entities comprising two bank holding companies in South Africa & Europe, European e-money institutions, South African insurance and mobile operators and a South Korean payment processor. 

MEMBER

Michael Guzik

Michael had multiple stations at leading blockchain-based ventures with a focus on FinTech. After being appointed as the youngest Head of blockchain at PwC, he led Primary Markets at Lykke, advised the Swiss Stock Exchange on their “Digital Asset Exchange” infrastructure and was Partner at Blockchain Valley Ventures. Previously to founding CLST, Michael founded KORE Technologies, one of the leading infrastructure providers for Digital Assets. Michael graduated from Imperial College London with a degree in Economics.

MEMBER

Eric Romba

Until 2017, Eric Romba was the Chief Executive Officer of the German Association for Real Assets and Investment Funds and was primarily responsible for capital market law legislative projects at the EU and national level. After joining the law firm Lindenpartners, he advised on issues of capital investment law, banking and capital market law in the primary as well as secondary market, and capital market law at the interface with digitalization. At the beginning of 2022, he moved to Osborne Clark.

MEMBER

Roland Frick

Roland Frick is Vice-Chairman of the Board of Directors of Bank Frick. He served as CFO on the Management Board from the Bank’s foundation in 1998 up to December 2015. Roland Frick is a member of the Foundation Board of the Deposit Guarantee and Investor Compensation Foundation PCC, Liechtenstein.