Raniya Luposhtyan has been a shareholder of Pay Engine Limited (Best2Pay) for the past five years. Raniya has more than 10 years of experience in consumer banking, with ABN AMRO Bank, Bank Renaissance Capital, and Banque Societe Generale Vostok, leading, implementing, developing, and maintaining credit initiation, customer service, and regional development. She also has five years of experience at Sberbank, in the banking transfers and credit cards group.