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Gemma Guest possesses extensive experience in innovation and business development, currently holding the position of Innovation & Business Development at JP Morgan Payments within JPMorgan Chase & Co. Previously, Gemma was instrumental at Lloyds Banking Group, serving as Senior Strategy and Commercial Manager for Embedded Finance, Senior Manager of Propositions & Strategy in Commercial Banking Transformation, and Director of Partnerships & Innovation in Global Transaction Banking. Additionally, Gemma contributed to avanatta as a Product Developer, Researcher, and Channel Manager, showcasing a strong background in strategic development and financial services innovation.