Ziyaad Ahmed is the COO and Co-Founder of Spotii, the first Buy Now Pay Later in the GCC region. Ziyaad moved to Dubai from Silicon Valley this past December to start Spotii. He was previously at Afterpay US in San Francisco, currently a $15bn company and now one of the largest Buy Now Pay Later companies in the world. Prior to his time in tech, he was an investor in consumer technology and retail companies. Ziyaad received his undergraduate degree in Arts and Finance from the Wharton School at the University of Pennsylvania, his MBA in Behavioral Psychology, Statistics and Finance from the Wharton School at the University of Pennsylvania and his Graduate Degree in Advanced Data Science from the University of Berkeley.