Jonny Combe is a technology entrepreneur and founder who builds global trust within complex digital ecosystems. Formerly a senior leader at PayByPhone, he scaled one of the world’s most adopted mobile payment platforms. With a background at Volkswagen Financial Services, he operates at the high-stakes intersection of fintech innovation, security, and mass-market reliability.

Jonny specialises in the volatile space where rapid growth and systemic risk collide. Having led at the sharp end of cybersecurity and fraud prevention, he understands how digital products succeed or fail based on user confidence. For 92 Speakers’ clients, he provides a rigorous framework for defending against evolving digital threats, focusing on the fundamental mechanics of data protection and commercial resilience.

A commercially astute presence, Jonny reframes cyber risk as a core board responsibility. He identifies why safeguarding trust is a central pillar of sustainable growth, empowering executives to navigate digital transformation with a focus on leadership, accountability, and long-term strategic safety.