Naviin Kapoor, founder of “The Times or Crypto”, “International Institute of Blockchain Academy”, is a blockchain & ICO consultant and a business transformation leader with more than eleven and half years of experience in project management and business analysis. He has professional experience in ethereum, bitcoin, hyperledger, EOS, consensus protocol and distributed/shared ledger technology. He has also attained various industry certifications such as PMP, CBAP, ITIL, PSM 1 & CSM. Naviin is working on digital transformation projects and providing Blockchain consultation. He had worked on various banking transformation projects – “sustainable and disruption”, which were initiated in various domains such as Retail Banking, Cash Management, Integrated Liquidity Management (ILM), Corporate Banking, Asset & Wealth Management, Financial Messaging, Regulatory Sanctions Filtering and Local and International Payment Systems.