Estelle Brack has a PhD in international economics, money and banking (Paris-II Pantheon-Assas University, 1997). Estelle is Senior Lecturer at iReMMO, dedicated to Middle Eastern and Mediterranean Studies. She is the author of two books, Arab Banking and Financial Systems: Towards a Single Model (2012, L’Harmattan) and The Mutations of the Banking and Financial Sector in Africa (2016, L’Harmattan). Estelle has extensive work in banking, including 19 years at the second largest French bank, BPCE. She is currently an independent consultant dedicated to Banking and Financial services and Economic Analysis, with a special focus in Africa. She is co-founder of the Network gathering programs in financial education in French-speaking countries in Africa, RASEF, and Ambassador for France of the European Women Payments Network (EWPN).