Stephan Hoes

Leads digital payments product strategy and adoption across Northern and Western European markets, shaping scalable solutions for banks, PSPs, and merchants. Drives multi-country initiatives across product, tech, legal, and commercial teams, influencing delivery through 250+ stakeholders.

Completed the Corporate Digital Program, a non-executive board and supervisory board member training program.

Participated in a study trip for C-level retailers and brands in Silicon Valley.

Completed WWFT (AML & CFT) compliance training.

Earned Lean Six Sigma Yellow Belt certification.

Participated in a study trip for C-level retailers and brands in New York.

Earned Certified Scrum Product Owner certification.

Completed sales training 'the art of selling'.

Completed a Masterclass Liberal Politics covering liberal principles, media writing, presenting, debating, negotiating, and media training.

Completed training in NLP consulting skills.

Research University Master's degree (MSc. / Ir.) in Industrial Design, focusing on influencing consumer buying behaviour through dynamic sound and behaviour algorithms.

Summer school at Tsinghua University Beijing, faculty of Information Art & Design, involving a multidisciplinary intercultural project and field study research on cultural values and the effect of sound and light on daily tasks.

Winter school at Università degli Studi di Siena, dpt. di Design di Ambient per la Comunicazione, involving a multidisciplinary intercultural project and field study excavation site research on the use of sound and light for communicative purposes.

Research University Bachelor's degree (BSc.) in Industrial Design, including medical research and ethical product design of HIV-1 prevention through medicinal administered nanotechnology.

Gymnasium education with a Technical Science profile including Latin, equivalent to GCSEs and A-levels at a selective grammar school or independent school.