Jonas Hedman is a Cutter Expert and a member of Arthur D. Little's AMP open consulting network. He is a Professor in the Department of Digitalization at Copenhagen Business School (CBS), Denmark. Mr. Hedman's research involves the digital transformation of money and payments, layered architecture of money, and cashless society. He is known for his work on business models and contemporary thinking in IT evaluations. Mr. Hedman has consulted for various clients, including large multinational firms, startups, and central banks. He has been a guest speaker at universities worldwide, including the University of Mannheim and Washington State University, and at conferences such SIBOS and Tech Summit. With 20 years' teaching experience, Mr. Hedman is an expert at communicating complex phenomena to different user groups. Mr. Hedman earned a bachelor of science degree, a master of science degree, and a PhD, all from the School of Economics and Management, Lund University, Sweden. He can be reached at experts@cutter.com.