David Dwumah is the Founder and CEO of OurFiin, a purpose‑driven fintech company focused on narrowing the wealth gap and strengthening financial wellness through equitable, inclusive innovation. Raised in Ghana, he was inspired early by susu, a traditional community‑based savings practice that shaped his belief in collective financial empowerment—an ethos that continues to inform his work advancing financial inclusion through trusted digital financial infrastructure.
He brings over two decades of experience across banking, payments, and financial market infrastructure, including senior roles at Ernst & Young, Citizens Bank, and within the Federal Reserve System, where he supported major payments initiatives and financial policy priorities on behalf of the Federal Reserve and the U.S. Treasury.
A founder, educator, inventor, and governance‑oriented thinker, Professor Dwumah operates at the intersection of institutional payments, digital money, and financial market modernization. His scholarship focuses on governance‑first approaches to payments and tokenization, examining how financial innovations should be evaluated for readiness, recognition, and valuation without compromising traditional financial principles. He is the author of a series of working papers published on SSRN, including Tokenization Won’t Rewrite the Time Value of Money — But It Will Reprice Risk, R Gate™: Stress‑Durability Governance for Finance‑Visible Payments Modernization, The Tokenized Decade™, and The Triad: A Canonical Declaration on Governance‑Grade Readiness, Recognition, and Valuation.
His research on governance‑first approaches to payments and tokenization has informed public‑sector dialogue on stablecoins and financial infrastructure modernization, including a formal public submission to the Office of the Comptroller of the Currency during the GENIUS Act rulemaking process.
Professor Dwumah has delivered more than 40 invited lectures, conference presentations, and public talks at leading fintech, payments, and academic forums. He has collaborated with colleagues from, and guest lectured at, Worcester Polytechnic Institute, the University of Ghana Business School, the University of Notre Dame Mendoza College of Business, Northeastern University, Penn State University, Hult International Business School, and Western New England University on research, teaching, and case‑based learning initiatives related to payments, digital currencies, and financial inclusion.
He currently teaches undergraduate, graduate, and PhD‑level courses at Worcester Polytechnic Institute in Cryptocurrencies and Digital Currencies, Financial Markets, and Financial Management, bringing applied industry, policy, and governance perspectives into the classroom. Professor Dwumah holds a Master of Science in Accounting from the University of Notre Dame, a Master of Science in Information Systems from Baylor University and is a Certified Public Accountant (CPA).
