With over 22 years of Digital transformation and payments experience, Saad Tounzi heads the digital innovation and partnerships department in ADNOC Distribution. Where he in charge of driving the digital innovation and transformation agenda of the company and supporting the business in extracting additional value through the implementation of digital and Artificial Intelligence initiatives. Prior to joining ADNOC Distribution, he spent 7 years in Bahrain with American Express Middle East in charge of payments solutions & technical delivery for 16 markets in MENA region. Saad holds an executive MBA from INSEAD and a master’s degree in computer sciences from the Strasbourg University in France.