Corporate Entrepreneur 🥷🏻 Head of Loyalty 🤘🏼 HomeCredit Russia 🇷🇺 ex CBDO EasyPay Indonesia 🇮🇩 PhD 🦉 Fintech | Banking | Retail | Philosophy 📱tlgrm: @IvanGorkovenko 🖥 facebook.com/IvanVLG "The world opens the doors in front of those who know where they go" - Ralf Emerson