Initiative Q is the brainchild of Saar Wilf, a serial entrepreneur who started his first payments start-up in 1997, and later founded Fraud Sciences, which redefined the payment security space and was acquired by PayPal in 2008.

Wilf has compiled a team of experts from a variety of disciplines, including mathematics, economics, and other social sciences. The economic and monetary models were developed with Economist Lawrence White, a professor of monetary theory and policy at George Mason University, and reviewed by our advisory board members listed below.