To whom it may concern, This is to certify that Michael Cartelli participated in the November 2023 conference week for Harvard’s VPAL FinTech online short course. The course analyzes how FinTech is revolutionizing the provision of financial services across multiple industries, and aims to equip students with the skills and knowledge they will need to apply FinTech in their own business context. The course culminates in an optional conference week, where students are invited to present their solutions to a FinTech-related problem. These presentations provide evidence of their critical engagement with the FinTech landscape and demonstrate the students’ ability to apply their new understanding to a business situation. As the course strongly emphasizes collaborative learning, the conference week provides an opportunity for students to discuss and debate their learnings, and to gain diverse perspectives from the work contributed by their peers. Best regards,

Professor Lauren H. Cohen L. E. Simmons Professor of Business Administration Professor Christopher J. Malloy Sylvan C. Coleman Professor of Financial Management