Nick Molnar is a serial entrepreneur with extensive experience in online retail. Nick is co-founder and CEO of Afterpay Holdings Ltd, a leading Australian retail payments innovator and one of Australia’s fastest growing fintech companies. Afterpay facilitates commerce between retail merchants and their end-customers - offering a ‘buy now, take now, pay later’ service that does not require end-customers to enter into a traditional loan or pay any upfront fees or interest to Afterpay. Afterpay currently has over 3.1 million customers and over 20,000 retail merchants. In addition, Afterpay listed on the Australian Securities Exchange in May 2016. Prior to establishing Afterpay, Nick launched the leading American online jeweller, Ice.com, into Australia under the local brand Iceonline.com.au. Given Nick’s family has been in the Australian jewellery industry for the past 30 years, he was able to combine specialised local product knowledge with technical online marketing expertise to exploit on the gap in the market. Nick successfully grew Ice in Australia to become the largest online-only jewellery and watch retailer. Earlier in his career, Nick worked as an Investment Analyst at venture capital fund M. H. Carnegie & Co., where he was primarily responsible for growth stage investments.