The DigiTal Banking CluB Power 50... April 2014 S2y Retail Banker International THE DIGITAL BANKING CLUB POWER 50 About the judges Douglas Blakey Douglas Blakey is group editor, Consumer

The DigiTal Banking CluB

Power 50

The Who’s Who of digital banking sponsored by Intelligent Environments

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About The Digital Banking Club

The Digital Banking Club was established in January 2013 by Intelligent Environments, in association with the Retail Banker International, Electronic Payments International and the Cards International publications. The Digital Banking Club is the only place to go for the latest news, opinions and information on all things digital financial services focused.

The heart of The Digital Banking Club is the site - www.thedigitalbankingclub.com - where content is updated daily and contains news items, feeds, blogs, research and papers*. Also Club members are invited to participate in industry surveys the results of which are again shared on the site.

In addition to the site, The Digital Banking Club members receive invitations to webinars as well Live Debates. Current and previous speakers include BSkyB, MoneySuperMarket.com, The Royal Bank of Scotland, Santander, FIS Global, The Payments Council and the Fair Banking Association.

The Digital Banking Club is free to join but you do need to register. We welcome members from all areas of the industry and current members include banks, building societies, retailers, telecos, analysts, consulting firms, technology providers and industry commentators.

*We are continuously seeking new bloggers; papers and research so please do get in touch if you have anything to share.

About Intelligent Environments

We are an international provider of innovative mobile and online solutions for financial services organisations. To us it is not about mobile or online, financial consumers do not have a single channel preference; they want to engage through any and all digital channels.

Our single software platform, Interact®, enables secure financial applications, engagement, transactions and servicing across all channels, from apps to browsers, tablets to phablets.

We are immensely proud of our achievements on multiple levels - in relation to our innovation, being recognised by the industry, having demonstrable product differentiation, the diversity of our client base and the calibre of our partners.

For many years we have been at the heart of the operations of a number of highly regarded organisations including Generali Wealth Management, Ikano Retail Finance & Loyalty, Lloyds Banking Group and Telefonica (O2). We work with our clients to deliver secure innovative mobile and online solutions, enabling them to always stay close to their customers in the digital world.

Intelligent Environments in association with Retail Banker International,Cards International and Electronic Payments International

For more information visit www.intelligentenvironments.com

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S1 y April 2014 www.retailbankerinternational.com

THE DIGITAL BANKING CLUB POWER 50 Retail Banker International

Back in February, I extended to readers and members of The Digital Banking Club the question - ‘Just who are the most important people in European digital financial services today.’

The level of response was gratifying and resulted in a pow-erful who’s who of European digital financial services of almost 200 names. A reminder of the criteria for inclusion:

• The most influential thought leaders within European finan-cial services providers, including regulators, consultants, ana-lysts, innovators and influencers,

• I was not looking for nominations for individuals working for payments providers (unless their work was part of a broader digital financial services offering), digital and/or mobile plat-form providers and back office technology suppliers.

The exercise just to cut down the near 200 names to a mere 50 was time consuming but rather good fun. First thoughts: the project has highlightedsome of the most prominent names in the industry; fig-ures such as Anne Boden, who played a major part in the turnaround at AIB and drove forward that bank’s innovative digital strategy as well as Cristina de Villeneuve, the global head of BNP Paribas’ Hello Bank, the first 100% digital mobile bank in Europe. Although no ranking has been imposed beyond qualifying for inclusion in the top 50 - the names listed within the Power 50 are shown in alphabetical order.

The nominations process also served to flag up a number of region-al differences in the adoption of a more digital approach. Nomi-nations aplenty came in from such countries as Spain, Turkey, the Netherlands and Scandinavia. France was also a popular source for nominations; and representing Germany is Matthias Kröner, the founder and CEO of Fidor Bank.

Lastly, the nominations process highlighted that within Europe’s most innovative digital banks, strong arguments were advanced to include multiple nominations. So we have included Barclays’ Derek White, Shadman Zafar and Darren Founlds; at la Caixa, any such ranking has to include both David Urbano and BenjamiPuigdevall.

As everyone loves to spot the stars of the future, in addition to The European Digital Financial Services Power 50 there is a list of 5 Ris-

ing Stars, those digital financial services players under 40, who are changing the way their financial services firms do business.

It would be no surprise to see all of our Rising Stars, including names such as RBS’ Terry Cordeiro and Akbank’s Ahmet ErtanAl-gan feature prominently in a future Power 50, given the outstanding work they are doing. I want to take this opportunity to thank sub-scribers to our consumer finance titles – Retail Banker International, Cards International and Electronic Payments International – and to members of The Digital Banking Club, for taking time to sumbit their nominations. This list of 50 and the Rising Stars showcase just how varied and exciting the world of digital has become.

I chaired a panel of judges (see page S2) and I want to thank each of them for their time, patience, good humour and expert guidance throughout the judging process: Jerry Mulle; Ian Sayers; Richard Cooper; Roy Vella, and Daniel Mayo. I would also like to take time to thank the founders of The Digital Banking Club, Intelligent Environments – the international provider of innovative mobile and online solutions for financial services organisations – for taking the initiative to propose the launch of The European Digital Financial Services Power 50.

Given the level of interest in this, the inaugural Power 50 for European Digital Financial Services, I hope that this will become an annual exercise. In the meantime, as power lists often start more arguments than they settle, let the debate continue.

If I have been guilty of some egregious oversight and overlooked an obvious name in this year’s list do tell me. Lastly, eagle-eyed read-ers will note that Ian Sayers, one of the judges, also features in the listing. I ought to make clear that he did not vote for himself…

Douglas Blakey - Editor, consumer finance titles, [email protected]

A matter of digital influenceDouglas Blakey reveals the 50 most innovative, influential and powerful people in European digital financial services as voted by readers of this publication, members of The Digital Banking Club and an external panel of expert judges

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April 2014 y S2www.retailbankerinternational.com

THE DIGITAL BANKING CLUB POWER 50Retail Banker International

About the judgesDouglas BlakeyDouglas Blakey is group editor, Consumer Finance at Timetric, chief of judges for the annual Retail Banker Interna-tional Awards and lead market advisor for Timetric’s retail banking research division.

This produces and maintains more than 50 market leading research reports and has undertaken bespoke consul-tancy projects for banks, vendors and their advisors.

Douglas practiced as a solicitor in Scotland before moving into business information and analysis. He maintains an editorial advisory board of leading bank executives and is a regular guest banking analyst with BBC, NBC, New Statesman and other leading media.

Richard CooperRichard Cooper is VP, international marketing strategy for FIS, responsible for defining and executing FIS’ marketing strategy in the company’s 110+ markets outside of North America.

Richard joined FIS through the acquisition of Metavante Technologies Limited in 2009. Richard took up his current role leading the company’s international marketing function.

Prior to joining Metavante, Richard was marketing director at VocaLink, the UK payment processor where he delivered the re-branding and marketing strategy as part of the merger between Voca and LINK.

Richard has an MBA from Henley Management College and is a member of the Chartered Institute of Marketing.

Daniel MayoDaniel Mayo is chief analyst and the practice leader for Ovum’s global financial services technology team, covering the retail and corporate banking sectors and financial markets industries. He specialises in core systems, payments and compliance, and IT spending/ investment trends across Asia Pacific, Europe, and North American with experi-ence working across all three markets.

Daniel has authored and/or managed numerous research and analysis studies across the retail, private and corpo-rate banking, and financial market technology sectors, as well as worked closely with a number of leading US and European financial institutions around IT benchmarking, investment strategies, and IT governance. He has extensive research experience with and knowledge of financial institutions and the supporting vendor community across Asia Pacific, Europe and the US. He is regularly involved in industry presentations and frequently quoted in both business and mainstream press.

Daniel holds an MA and BA in Economics from Cambridge University.

Jerry MulleJerry has over 25 years of experience working in the financial services industry. He is head of strategic partnerships and marketing at Intelligent Environments (IE). Over the last 14 years Jerry has helped establish IE as a leader in the digital banking space and has worked with many of the largest European Banks on their digital banking strategy and subsequent roll-out.

Before joining IE Jerry spent 12 years at NatWest and RBS where he took on senior product and marketing roles across retail and corporate banking before moving to the cards division, where he ended up heading the e-commerce and commercial card teams.

Ian SayersIan Sayers is chief technology officer (CTO) at Zapp since October 2013. He is responsible for driving the continued development of the Zapp payment technology, including integrating with banks and retailers.

Ian is regarded as one of the world’s leading technologists in the mobile payments sector, having led technology development at Barclays for the past 12 years.

There he was responsible for the global mobile and digital architecture across the UK, US, Europe and Africa, includ-ing architectural responsibility for Pingit, BuyIt and Barclays Mobile Banking, amongst many other major initiatives.

Prior to joining Barclays, Ian held a string of high profile roles at organisations such as PricewaterhouseCoopers, a multinational professional services firm headquartered in London where he was director of European Systems Solution Centre.

He also worked at Anderson Consulting, a market research consultancy, as engineer during five years.Ian studied at The University of Salford, where he graduated in electronics and computer systems in 1986.

Roy VellaRoy is a mobile financial services expert, advisor and consultant to small and large institutions in the space. Prior to offering his services-at-large, Roy created and led RBS Group’s global mobile efforts.

Before RBS, Roy spent 5 years with PayPal from launching the merchant services team to being the head of mobile payments in Europe.

Roy has worked in start-ups, venture capital and co-founded NetAbacus Corporation, a web-based purchasing service for small businesses. He received a BA in Mathematics from Holy Cross College, a JD from Stanford Law and an MBA from the Stanford Graduate School of Business.

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The Digital Banking Club Power 50 2014

DAVE BIRCH: CONSULT HYPERION - AMBASSADOR

David Birch is director of Consult Hyperion, the technical and strategic con-sultancy that specialises in electronic transactions.

He prov ides spec ia l -ist consultancy support to clients around the world, including all of the leading payment brands, major tel-ecommunications provid-ers, government bodies and international organisations including OECD.

B e f o r e h e l p i n g t o found Consult Hyperion in 1986, Dave spent sev-

eral years working as a consultant in Europe, the Far East and North America.

Dave graduated at the University of Southampton with a degree in Physics. He is a media commentator on electronic business issues, a published author and regularly appears on TV and radio.

ANNE BODEN: SOCIALFINTECH - CEO

Anne Boden, previously chief operating officer head-ing the post-crisis trans-formation at Allied Irish Banks PLC (AIB), is now working on the launch of a new digital bank for the European market.

At AIB, Anne was in charge of the bank’s trans-formation agenda, tasked with reducing its operating costs by €350m over two years as the bank strived to return to profitability.

Previously, Anne headed transact ion banking at ABN AMRO and Royal Bank of Scotland across 34 countries. Anne was also

chief information officer and a member of the board of direc-tors of Aon Ltd.

JOSH BOTTOMLEY: HSBC - GLOBAL HEAD OF DIGITAL

Josh Bottomley has been global head of digital for HSBC since 2012, over-seeing the bank’s d ig i-tal offering for its retail banking and wealth man-agement customers.

Josh was global head of display for Google in Cali-fornia, overseeing a $5bn business and the search engine’s largest non-search revenue engine. He pre-viously spent 12 years in general management roles in publishing, data and business services work-

ing as managing director for both LexisNexis and the Finan-cial Times Group.

His early career was at Goldman Sachs and McKinsey. Josh has an economics MA from Trinity College, Cambridge and an MBA from INSEAD.

GRANT BOURBOUSSON: TESCO BANK - DIGITAL BANKING DIRECTOR

G r a n t B o u rb o u s s o n became digital director at Tesco Bank in Janu-ary 2013, three years after joining the bank as head of current accounts.

Previously, Grant was with Royal Bank of Scot-land (RBS) for 16 years and held a number of senior roles with respon-sibility for Retail Finance, Cred it Cards , Loans , Insurance and Savings.

Later, he joined the executive of Everyday Banking in RBS UK Retail

with responsibility for transforming the performance of the bank’s core transactional products and direct acquisition and servicing channels including ‘mobile’.

Grant studied at Harvard Business School, at INSEAD and at the University of Westminster.

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EDWARD CHATHAM: MAPA RESEARCH – MANAGING DIRECTOR

Edward Chatham joined Mapa Research in 2012 having previously held senior management positions at a number of blue chip digital market research agencies.

Mapa Research helps financial institutions benchmark their service offerings against each other, monitor digital innovation and discover best practice in digital banking.

Over his career, Edward has launched and managed new research businesses designed to meas-ure and understand the emerging digital landscape.

Responsible for the day to day running of Mapa Research, Edward also oversees the expansion of the business via new research services, and into new countries around the world, most recently launching a Melbourne office.

CHRISTOPHER BRYSON: UK PAYMENTS COUNCIL - HEAD OF PROJECT DELIVERY

Christopher Bryson is an expe-rienced professional within the financial services industry, with a specialty in the payments field.

In the past, he delivered complex multi stakeholder industry projects and programmes. He designed, built and managed project divi-sions and units, and embedded change frameworks and supporting

governance models.Head of project delivery at the UK Payments Council since

October 2010, he is responsible for Paym, the new industry wide mobile payments service.

Paym will allow customers of participating banks and building societies to make peer to peer payments using only a mobile number.

ALEKSANDRA BUCZKOWSKA: MBANK - HEAD OF CRM

Aleksandra Buczkowska is director of customer relationship manage-ment (CRM) and member of New mBank project management team.

She manages a team of more than 40 people and is internationally cer-tified ‘project manager’ by the Pro-ject Management Institute (PMI).

As a member of New mBank project management team she is responsible for developing real-time marketing solutions and first-in-Europe transactional marketing platform on facebook (mOKAZJE).

Aleksandra joined the mBank Group in 2010.She studied at the Warsaw School of Economics, where she

obtained a master of science in finance and banking.

PETER CAIAZZI: INTESA SANPAOLO - HEAD OF INTERNET AND MOBILE BANKING

Peter Caiazzi is transforming the bank’s online platforms from being mono-channel, passive and transaction ori-ented to being multichannel, proactive and commercial.

He is responsible for managing and growing the business of the internet, mobile and ATM channels of the bank’s Retail and Small-medium Business segments.

In the past three years, he has created Intesa’s Digital Marketing Team, spearheaded the bank’s presence in social media and positioned it as one of Italy’s leaders in mobile banking and payments.

Born in the United States, Peter holds Bachelor and master’s degrees in computer science and he studied mathematics at Columbia University.

GARVAN CALLAN: BANK OF IRELAND – HEAD OF DIRECT CHANNELS

Garvan Callan was appointed as head of direct channels for Bank of Ireland in September 2013 and is responsible for developing the per-formance of Bank of Ireland’s direct strategy across telephone, digital and social channels.

Prior to his role as head of direct channels, Garvan was head of business development at Danske Bank IRL from June 2012 until September 2013.

Garvan is a member of the Exec-utive Committee of the Institute

of Bankers, a graduate of the Life Insurance Association, and has recently completed an executive programme at Harvard Business School.

GÜRHAN ÇAM: DENIZBANK - SVP FOR CLOUD AND MOBILE PLATFORMS

Gürhan Çam contributes to the Denizbank’s vision of new generation banking with his strategic business modelling, marketing strategy, digital channel management, and innovative business management skills surround-ing with many products such as fast-Pay mobile wallet.

In March 2012, he was chosen to be one of the funding managers of Digi-tal Generation Banking at DenizBank. His experience enabled him to play a leading role in building new products

and services destined to a new generation of banking customers as head of innovative special projects.

He holds a master degree in science on strategic marketing and brand management.

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BENJAMI PUIGDEVALL: LA CAIXA – HEAD OF ELECTRONIC CHANNELS

Benjami Puigdevall is head of elec-tronic channels and managing director of Caixa Bank. Benjami is responsible for the development of all the elec-tronic channels of Caixa Bank, includ-ing home banking, mobiles, digital network and ATMs.

Benjami received a bachelor’s degree in Economics from the University of Barcelona in 1994 and is a member of the board of directors of Self Bank, the internet bank owned by La Caixa and Société Générale.

As head of electronic channels, Ben-jami has overseen the development of Caixa Bank’s contactless ATM, which allows users to operate ATMs without having to enter their cards.

ALESSANDRO COLAFRANCESCHI: UNICREDIT – HEAD OF ONLINE AND MOBILE BANKING

Alessandro is global head of online and mobile banking across UniCredit’s retail division. He began his career at Birra Peroni Industriale, the larg-est Italian brewer, where he worked between 1992 and 2000.

In 2002 he joined Vivacity, the internet company of UniCredit Banca, where he was appointed commercial and market-ing director. Two years later, in 2004, he

was given responsibility, as head of online banking, for the develop-ment of e-retail banking and online trading in UniCredit Banca.

Further to this, Alessandro was responsible for the public web-sites and online and mobile banking services of UniCredit Group’s Italian retail banks.

CRISTINA DE VILLENEUVE: BNP PARIBAS - GLOBAL HEAD

Cristina de Villeneuve is global head of BNP Paribas’ Hello Bank, the first 100% digital mobile bank in Europe.

Cristina also sponsors MixCity Italy, a BNP Paribas network cre-ated in 2012. It counts 300 mem-bers and aims to “reinforce equality of opportunities at all levels of the bank, allowing it to become a more attractive employer and to offer a bet-ter management”.

She joined BNP Paribas in 2004, occupying diverse positions in wealth

management, investment solutions and retail banking.Born in Ecuador, Cristina studied in the United States

before receiving a master’s degree of business administration from HEC, France.

ERROL DAMELIN: WONGA - FOUNDER

Errol is CEO and founder of Wonga.com – a digital finance company backed by some of the world’s leading venture capital firms, such as Greylo-ck, Balderton and the Wellcome Trust.

Wonga was founded by Errol in October 2007 and has now offered over five million loans since its inception.

Damelin received his MBA from Boston University’s School of Management following his under-graduate degree from the Universi-

ty of Cape Town.Wonga has been a pioneer in providing smartphones with an

instant lending application, providing a potential framework for the future of finance.

JACOB DE GEER: IZETTLE - FOUNDER AND CEO

Jacob de Geer is a Swedish serial entre-preneur, co-founder and chief executive officer of iZettle.

Previously, Jacob co-founded two companies: Ameibo, a “legal” movie sharing company; and Tre Kronor Media, an award-winning communica-tions agency (Media Agency of the year in 2009 and 2010) for performance-based marketing, integrated media and advertising, online and offline.

Since January 2010, Jacob has been fully focused on developing iZettle in its mission to democratise card payments and give indi-viduals and small businesses the possibility to accept card payments in a simple way.

iZettle is available in the UK, Spain, Germany, Sweden, Den-mark, Norway, Finland, Mexico and Brazil.

ANTONY ELLIOTT: FAIRBANKING FOUNDATION - CHIEF EXECUTIVE

Antony Elliott is chief executive at the Fairbanking Foundation, a research and education based charity that he founded in 2008.

Since then, it has commissioned research into the link between a person’s money management and their level of contentment or finan-cial well-being.

The research has been developed to consider the implications for banking products and services. Antony wrote

the report, which was jointly published with the Centre for the Study of Financial Innovation (CSFI) in 2009.

Before that, Antony spent over ten years as group risk director of Abbey National where he had overall responsibility for the control of consumer credit risk.

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PETER FORRAI: OTP BANK – MANAGING DIRECTOR

Peter Forrai is managing director of OTP Bank Electronic Bank-ing Directorate, having joined in August 1994, prior to its priva-tisation in 1995.

Peter, as well as heading up internet banking at OTP Bank, is also responsible for: social media, OTP Bank’s central cus-tomer relationship department, mobile banking and OTP’s call centre division.

As managing director of OTP Bank, Peter has overseen the launch of its digital wallet in Feb-

ruary of this year, OTPay, allowing customers to pay online, carry out person to person transactions as well as prepaid top ups.

DARREN FOULDS: BARCLAYS - DIRECTOR OF MOBILE

Darren joined Barclays in 2001 and has worked across a number of roles within the retail & business banking division from strategy, design to pro-gramme management.

Recently he has been leading the design development of the digital innovation including a number of mobile payment products for Barclays. As director of Pingit and mobile bank-ing for Barclays, Darren has over-seen the successful launch of both Pingit and Barclay’s mobile bank-ing during 2012.

In addition, Darren has overseen the launch and development of the successful mobile banking proposition from Barclays which was downloaded by 1.4m customers in its first five months.

RENE FRIJTERS: KNAB - FOUNDER

René Frijters is the founder of Dutch online bank Knab. In the 1990s, René was one of the founders of online investment bank, Alex, which became a model for online investment in a short period of time.

After Alex was sold, René travelled to South Africa, where he volunteered for TJOMMIE Foundation, helping to build a theatre and educate people in project management skills.

René opened Knab in 2012, a bank that operates in its customers’ best interests ahead of the bank’s products. One of his main goals is to make customers finan-cially wiser and independent.

LUCA GASPARINI: WEBANK - GENERAL DIRECTOR

Luca Gasparini is director general at WeBank. According to Luca, “the online is the near future of banking in its entirety. And in this context, the real factor is disruptive mobile.”

In the past, Luca worked at BPM Group, where he was head of market direction for ProFamily. He also held the post of head of strategic market-ing function and retail Products.

This consisted of assuming respon-sibility for the activation of commer-cial strategies and initiatives aimed at the support and management of the

production of retail products.Luca studied at the Catholic University of Milan, where he

obtained an Economics and Commerce degree.

CHRIS GELDARD: CAPCO – GLOBAL BANKING GROUP LEADER

Christopher Geldard is the global banking group leader at Capco and member of its global executive man-agement team. Chris works directly with Capco’s largest clients to assist with their continuing restructuring journey through 2013 and beyond.

Prior to joining Capco, Chris was formerly a senior partner at Accen-ture. He has worked with global financial institutions on numerous engagements over a six-year period, ranging from a consumer-value prop-

osition redesign in 2007 through to major IT/operations restruc-turing programs.

Christopher spent the first ten years of his career at IBM, work-ing as a systems engineer in the core banking and payments arena.

PIERCARLO GERA: ACCENTURE - GLOBAL MD, ACCENTURE FINANCIAL SERVICES

Piercarlo Gera is senior manag-ing director of Accenture’s Global Banking Strategy practice and head of Accenture distribution and mar-keting services.

In this role, he leads a dedicated team of strategic consultants and operational transformation experts who advise clients on their distribu-tion and growth strategies, transfor-mation programs and business/oper-ating model design.

Piercarlo has more than 25 years experience working with lead-ing banks and insurers in Europe, North America and Asia.

He obtained in 1984 a master in business administration from the Wharton Graduate Business School at the University of Pennsylvania.

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RON VAN KEMENADE: ING BANK - CIO

Ron van Kemenade is CIO at ING Bank. He is a senior technology executive with over 20 years of experience in the financial services indus-try, as well as telecommunica-tions and internet.

Ron is working to expand the DevOps model globally in ING and create one collabo-rative community out of the respective local IT organisa-

tions in the bank, thus gaining more agility by reusing locally cre-ated customer centric solutions and improving efficiency.

Before joining ING in 2003, Ron worked at KNP Telecommuni-cations. He holds a master’s degree in public administration that he obtained at the University of Twente, Netherlands.

MARK MULLEN: ATOM BANK - CO-FOUNDER AND CEO

Mark Mullen served as CEO of HSBC’s direct banking subsidiary First Direct from 2011 until March 2014.

Mullen was previously head of mar-keting at First Direct before moving to Dubai as the Regional Head of Mar-keting for HSBC Bank Middle East in 2009.

During Mark Mullen’s time at First Direct he relaunched its banking and

branding proposition and set the path for the bank’s acclaimed move into social media when it became the first in the UK to offer an open forum to customers.

Mullen is currently on gardening leave ahead of co-launching Atom Bank with Anthony Thomson (ex-Metro Bank co-founder and chairman). Atom Bank, the UK’s first “digital only” bank, is slated to launch next year.

ALESSANDRO HATAMI: LLOYDS BANKING GROUP – DIRECTOR OF INTERNET STRATEGY/COO

Alessandro is the director of innovation and digital payments at Lloyds Banking Group (LBG). He is responsible for accel-erating the pace of innovation at LBG and of expanding the group’s activities in digital and mobile payments.

Alessandro joined Lloyds Banking Group in 2011 as chief operating officer of digital banking where was responsible for the definition internet strategy and the implementation of the group’s new digital offerings.

Alessandro holds a BSc in Engineering from Georgia Tech, an MSc in engineering from the University of Rome, an MBA from INSEAD and speaks five languages.

OLIVER HUGHES: TCS BANK – PRESIDENT OF TINKOFF CREDIT SYSTEMS

Oliver Hughes is president of Tinkoff Credit Systems (TCS) and has been a member of the board of directors at TCS Bank since June 2013 and chairman of the management board, the credit committee and the finance com-mittee of TCS Bank, respectively, since November 2011. Oliver has also been a non-executive director of Elecsnet since February 2008.

TCS Bank, since its launch in 2006, has added innovative online products and services to Russian consumers, including

financial products in the mobile payments and electronic wallet segments, as well as in the insurance segment.

NICK HUNGERFORD: NUTMEG - CEO

Nick Hungerford is chief execu-tive officer at Nutmeg since March 2011. A banker turned entrepreneur, he is passionate about improving the availability and usability of financial prod-ucts and services.

A private client investment com-pany, Nutmeg aims at democra-tising investment and improving net investment performance for customers by safeguarding and managing each portfolio expertly

and appropriately and keeping costs as low as possible.Nick studied at Stanford University Graduate School of Business

where he obtained in 2010 a master of business administration in finance, management and entrepreneurship.

BJØRN BØJE JENSEN: NYKREDIT - MANAGING DIRECTOR

Bjørn Bøje Jensen is managing direc-tor at Nykredit. In 2012, he was offered the responsibility of develop-ing and launching Nykredit’s new platform: Nykredit Direkte.

This is Nykredit’s nationwide advi-sory centre, offering personal and commercial customers the full range of advisory services online, by e-mail, and telephone, during opening hours twice as long as the ordinary opening hours of banks and mortgage lenders.

With a postgraduate academic master’s degree, Bjørn started his career in Nykredit, in June 2000, as marketing coordinator.

Bjørn studied at the University of Southern Denmark and at the International Institute for Management Development (IMD) in Switzerland.

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RAPHAËL KRIVINE: SOON AXA - GENERAL MANAGER

Raphaël Krivine has been head of digital at AXA Bank in France since 2011. He is in charge of Direct Banking and he is the spon-sor of Soon, the 100% mobile banking service.

Raphaël joined AXA in 2008 to launch an online unit-linked life insurance product at Direct Assurance. He was later appoint-ed as head of Internet and Multi-Access at AXA France.

Previously, he had held various management positions in marketing and customer relationship within direct pure players. Raphaël is an engineer in mechanics and holds a master of business administration in strategy and marketing from HEC, Paris.

MATTHIAS KRÖNER: FIDOR BANK - FOUNDER AND CEO

Matthias Kröner is chief execu-tive officer of Fidor Bank AG since 2006, responsible for Inves-tor Relations, Corporate Commu-nications, Strategic Development and Communities.

With vast experience of creat-ing new media presence on the pedestrian zones of the Internet (Facebook, YouTube, Twitter, etc.), he provides insights into how to be best positioned in the market place.

He is happy to experiment, something critical in social media, and he provides actionable content regarding idea generation.

Matthias studied business management training in Munich and at Cornell University, New York.

ALEXEY MAREY: ALFA BANK – CEO

Alexey was appointed chief execu-tive officer of Alfa Bank having previously served as deputy chief executive officer between Janu-ary and May 2012.

Within his role as chief execu-tive officer, Alexey is in charge of implementing the bank’s long-term strategy, including determining the priorities for business develop-ment and overseeing the opera-tions in Alfa Bank’s entire core and supporting units.

Founded in 1990, Alfa Banking Group is the largest Russian private bank by total assets, total equity, customer accounts and loan portfolio. At the end of 2012, Alfa Banking Group served over 82,000 corporate customers and 8.9m retail clients.

TSVETANKA MINTCHEVA: UNICREDIT BULBANK - HEAD OF RETAIL BANKING DIVISION

Tsvetanka Mintcheva has been head of retail banking division of UniCred-it Bulbank since September 2013.

She started her career at the bank in 2001 as an intern, and since, she has held various sales and man-agement positions in retail bank-ing department, including sales associate, family banking man-ager, branch director and customer acquisition manager. In 2013, she

took a leading role in the Group project for opening the first ever Branch of the Future in Central and Eastern Europe, which is located in Sofia.

She holds a Master in business administration on international business from MIB School of Management, Trieste, Italy.

MAARTEN MOLENAAR: RABOBANK – HEAD OF GAMIFICATION

Maarten Molenaar is the man-ager of Rabobank’s Gamification Hub, the virtual network where he works to implement gamifica-tion as a ‘business as usual’ prac-tice within Rabobank. Maarten connects Rabobank with several gamification initiatives and pro-jects, supporting them with the knowledge which is being built up by the Hub’s activities.

Before Maarten started his work at Rabobank as a (project) manag-

er he was a ‘new media and digital cultures’ student at the Utre-cht University and graduated on the subject of serious gaming.

Rabobank operates in over 48 countries, employing 50,000 employees servicing around 10m customers.

KEVIN MOUNTFORD: MONEYSUPERMARKET - HEAD OF BANKING

With over 20 years experience within financial services, Kevin has been employed by a number of large UK brands, including Bank of Scotland and Halifax.

He was, in 2001, appointed head of Affinities for the HBOS Group (Halifax and Bank of Scot-land). There, he was responsible for a broad range of third party relationships, providing credit cards, loans and savings products

to the likes of Aviva, Sony or British Gas.More recently, he was distribution director for Cheshire Build-

ing Society and has been working for MoneySuperMarket.com as channel head, running a number of their money business areas, including cards, mortgages and savings.

RBI 700.indd 25 28/04/2014 15:13:18



ANTOINE PICHOT: SOCIÉTÉ GÉNÉRALE - HEAD OF DIGITAL BANKING AND MULTICHANNEL DISTRIBUTION

Antoine Pichot has been head of digi-tal banking and multichannel dis-tribution at Société Générale, Paris, since June 2013.

In the past, Antoine held different positions within the company such as chief of staff to two deputy CEOs and director for Corporate Activities, leading teams responsible for serv-ing and developing portfolios of cor-porate customers.

He also held the position of integra-tion manager for SG Finans (Norway)

where he was responsible for the integration of the new entity into the SG Group at all levels. He studied at University Paris IX Dau-phine and at the Europe Business School, Paris.

HUGO D. NÁJERA ALVA: BBVA - HEAD OF INNOVATION

Hugo Nájera is responsible for spear-heading innovation in BBVA through creating new products and services which help the bank to take up a posi-tion in key areas for its future strategy.

Most of Hugo’s professional career has been spent in BBVA Bancomer in Mexico. He began in the company working in Investment Banking and in Investment Advisory Services.

In 2010, he moved to the BBVA head office in Madrid, Spain, to take over responsibility for Innovation and Busi-

ness Development in his current position of chief innovation officer.Hugo studied Business Economics and graduated in Busi-

ness Administration at the Metropolitan Autonomous University of Mexico City.

POL NOVARRO: BANCO SABODELL – HEAD OF DIGITAL CHANNELS

Pol Navarro is head of digital chan-nels and innovation at Banco Sabadell, where he leads all the activity related to digital channels and commerce, new customer services and innova-tion. Pol has been responsible for the digital transformation of the bank, and more recently the launch of BStart-up, a Fintech start-up accelerator based in Barcelona.

Pol is a highly qualified digital busi-ness, customer service and ecommerce strategist, and a recognised thought

leader who has spoken internationally on several banking, mobile and internet conferences. He studied Computer Science at Univer-sidad Autónoma de Barcelona and has an MBA from Universitat Oberta de Catalunya.

MICHAEL NUCIFORO: KEATAN - MOBILE AND DIGITAL CONSULTANT

Michael Nuciforo has been mobile and digital consultant at Keatan, a British mobile internet consultancy, since November 2011.

Previously, he worked for one year as head of mobile banking for Royal Bank of Scotland (RBS) group, where he was able to develop a compelling vision for the service underpinned by key objectives aligned to the overall group strategy.

He also held the position of Mobile Banking manager at ANZ Banking

Group, in Melbourne, Australia.Michael holds a Project Management Certificate that he obtained

in 2007 at the Australia College of Project Management. He also studied Finance & Information Technology at Victoria University.

ELENA ORFANIDOU: PIRAEUS BANK - GROUP DIGITAL BANKING DIRECTOR

Elena Orfanidou is director of the digi-tal banking division at Piraeus Bank, which includes the responsibility of web, phone, mobile and SMS Banking (winbank), direct sales, e-investments, payments, P2P payments and e-services.

She developed managerial and administrative skills through her experience of over 15 years in the banking industry.

Elena joined Piraeus Bank in 2001, holding different positions such as head of Internet Banking & Interactive Mar-

keting and senior manager of Alternative Channels Department and Electronic Banking Division.

She studied at the American College of Greece, where she obtained in 1994 a Bachelor of Science.

MICHAL PANOWICZ: MBANK – MANAGING DIRECTOR

Michal Panowicz is managing direc-tor of mBank and a Harvard Business School Alumnus of 2006. Michal pre-viously worked for Boston Consulting Group where he led projects for Fortune 500 financial institutions and consumer goods companies in the CEE region.

M i c h a l j o i n e d m B a n k i n 2011, appointed to manage their new mBank Project.

BRE Bank launched mBank in 2000 as Poland’s first online only bank, which has since become Poland’s third-largest retail bank with more than 4m

clients in three countries.The new mBank project launched in June 2013, aiming to be one

of the most advanced and user-centric online banks available.

RBI 700.indd 26 28/04/2014 15:13:21



CHRIS POPPLE: RBS – MANAGING DIRECTOR OF DIGITAL

Chris is managing director of digital for RBS group, responsible for online and mobile channels of RBS and Nat-West’s retail sectors. Chris joined RBS in 2011 after working for consultancy firm Sapient within their digital mar-keting division.

Chris became head of e-commerce in 2006 before being appointed head of online and fixed broadband at Vodafone. Chris was responsible for Vodafone’s UK online channel, provid-ing strategic and functional leadership

to enhance the web presence and market reach of the online brand.Chris studied economics and history at the University of Mas-

sachusetts before receiving an MBA at Boston University’s School of Management.

IAN SAYERS: ZAPP - CTO

Ian Sayers is chief technology officer at Zapp since October 2013. He is responsible for driv-ing the continued development of the Zapp payment technol-ogy, including integrating with banks and retailers.

Ian led technology development at Barclays for the past 12 years. There he was responsible for the global mobile and digital archi-tecture across the UK, US, Europe and Africa, including architectural responsibility for Pingit, BuyIt and

Barclays Mobile Banking, amongst many other major initiatives.Ian studied at The University of Salford, where he graduated in

electronics and computer Systems in 1986.

RONNY SEIDEL: HELLO BANK – HEAD OF DEVELOPMENT

Ronny is head of development at Hello Bank, working with the start-up team inside BNP Paribas. Ini-tially he worked on the European launch, now he focuses on develop-ing new ideas and services for clients to make Hello Bank a new genera-tion digital bank.

Previously Ronny has been work-ing on innovation and retail models in BNP Paribas emerging markets, mainly North Africa, for local and migrant clients.

Hello Bank was the first 100% digital mobile bank in Europe, with

customers able to use their mobile, tablet or via online banking to manage their budgets, organise outgoings or transfer money.

WOJCIECH SOBIERAJ: ALIOR BANK - CEO

Wojciech Sobieraj is chief executive officer at Alior Bank, which began operating in November 2008 as a new type of bank: it combines traditional banking rules with innovative solu-tions and products.

Between 1991 and 1994, he gained its broker licence on Wall Street, worked as an assistant in the Depart-ment of Finance and Operations at New York University and became the owner of Central European Financial Group, which analyses Eastern Euro-

pean capital markets.Later, Wojciech joined The Boston Consulting Group in Boston,

London and Warsaw. He was the creator and director of the War-saw’s office and the first Polish partner of BCG.

LUIS UGUINA: BBVA – HEAD OF REMOTE CHANNELS AND NEW DIGITAL BUSINESS

Luis is global head of remote chan-nels and new digital business at BBVA based in Madrid, Spain. Within this role, Luis is part of the leadership team for two BBVA initiatives, their compass mobile banking and Spanish mobile banking platform.

As project lead of BBVA’s Spanish banking platform, he oversaw BBVA become the first bank in Spain to sup-port mobile payments with its wallet service in 2013.

Prior to his role as global head of remote channels, Luis was chief mobility officer between 2007 and 2010 at BBVA following roles at institutions including Banco Santander and Bankinter as innovation CTO.

DAVID URBANO: LA CAIXA – DIRECTOR OF MOBILE BANKING

David Urbano is director of the mobile banking and digital net-works at La Caixa, responsible for managing the mobile channel & social network strategies, ranging from defining new services to design-ing and implementing those services.

David has a Masters in execu-tive development (PDD) from the University of Navarra along-side an advanced engineer in tel-ecommunications degree at the UPC in Barcelona.

As director of mobile banking, David has seen Caixa Bank record

3.6m mobile banking customers in 2013, the highest number of users of financial services via mobile devices at any Spanish bank.

RBI 700.indd 27 28/04/2014 15:13:22



FRANK VERKERK: MONEYOU - CEO

Frank Verkerk is CEO of MoneYou. Prior to joining the Dutch institution, Frank held a variety of senior management positions with responsibilities for general management, business develop-ment, online and E-commerce strategies and execution, interna-tional concept and product development, brand strategies, sales management and ICT portfolio management.

Frank’s experience is also based on a variety of supervisory board functions in credit services, pension fund, Dutch Insti-tute for Marketing (NIMA) and public real estate develop-ment and services.

Frank received a business administration degree from the Uni-versity of Groningen in 1991 and a masters in strategies in ser-vice from INSEAD in 2004.

DAN WAGNER: POWA TECHNOLOGIES - CEO AND FOUNDER

Dan Wagner is one of the most prolific tech entrepre-neurs in the Europe.

Born in Edgware, Mid-dlesex, he was educated at the Merchant Taylors’ School in Northwood and at the University College School in London.

Dan created the first online information ser-vice in 1984, MAID (Marketing Analysis & Information Database), prior to the Internet. It made over 20 0 ,0 0 0 publications available from 192 countries.

Dan’s latest market leading e-commerce com-pany, Powa, is changing buying behaviour with a suite of commerce tech-nologies, recently recieved a record $96.7m Series A investment and is now emerging as a major player in the industry.

DEREK WHITE: BARCLAYS – CHIEF DESIGN OFFICER

Derek White is chief design officer for Barclay’s retail and busi-ness banking, responsible for customer experience. Derek was a key player in the development of Barclays Pingit, the mobile payments application launched in February 2012.

Derek joined Barclays through the acquisition of Juniper Bank (now Barclaycard US), where he was a member of the start-up internet bank and credit card issuer.

Derek has held the roles of managing director of strategy, busi-ness development and marketing for Barclays Africa, alongside sen-ior positions in emerging markets and Barclaycard International.

He holds an MBA from the Wharton School of the University of Pennsylvania.

SHADMAN ZAFAR: BARCLAYS - CHIEF DIGITAL OFFICER

Shadman Zafar is chief digital officer at Barclays, responsible for Strategy, Innova-tion and Development of Digital Products and Services across the organisation.

Since joining in March 2012, he has been instrumental in establishing the digi-tal office, champion-ing innovation across Barclays, launching leading-edge prod-ucts and services.

This includes the a w a r d - w i n n i n g Barclays Pingit app and Barclays Mobile Banking app, a multi-disciplinary collabora-

tion for which he was a key senior.Previously, Shadman was chief product officer for Verizon

Communications, where he was responsible for the develop-ment of new products and services for Verizon Wireless, Enter-prise and Telecom.

RBI 700.indd 28 28/04/2014 15:13:24


The DigiTal banking club power 50Retail Banker International

ahmeT erTan algan: akbank - mobile banking Team manager

Ahmet Ertan Algan is mobile banking application development manager at Akbank since May 2013. He is responsi-ble for analysis and design, service devel-opment and the Akbank Direkt Mobile Applications family team.

He started his career at Akbank as mobile banking channel business analyst, a position he held for about a year, before

being appointed to his current post.Ahmet studied at Okan University, where he obtained in 2013

a master in business administration, specialty ‘customer relation-ship management’. He also holds a bachelor in computer science engineering from Ege Üniversitesi.

claire calmejane: lloyDS banking group – heaD of innovaTion Delivery

Claire Calmejane is the head of innovation delivery at Lloyds Banking Group (LBG). Claire previously worked at Capgemini Consulting in Paris, Boston (US) and London, for sev-eral banks such as BNPP, MABanque, RBS and air-line industries on strategic and operational delivery.

Claire joined Lloyds Banking Group as head of digital delivery in October 2012, responsible for the delivery of online services including paperless, self-

service, cards online, payments and social media across devices (desktops, mobile, tablets) for LBG.

Claire graduated from a computer science engineering school in 2005 and holds a masters degree from HEC Paris Business School, graduating with honours.

Terry corDeiro: rbS – heaD of SoluTion DeSign for mobile

Terry has over 15 years experience in the tel-ecoms and mobile industry working in both the public and private sector before joining RBS UK (Retail) as head of solution design for mobile in November 2011.

Terry is currently the head of mobile for RBS UK (Retail). In this role, Terry owns the stra-tegic direction and delivery of the RBSG (incl NatWest) UK retail mobile banking service.

As head of solution design for mobile, Terry was the design authority for the business architecture and solution design of the RBSG retail banking mobile application which currently has over 2m active users.

ben green: SanTanDer – heaD of mobile anD paymenTS

Ben Green is head of mobile and payments at Santander UK. Within his role, Ben’s focus has shifted towards loyalty and reward programs to drive a new phase of mobile banking propositions.

Ben was appointed head of digital service, where he was responsible for maintaining RBS and NatWest’s online banking service

for its 6m UK retail customers. As head of mobile, Ben led the strategy and delivery of RBS and NatWest’s mobile banking service.

Ben studied English and History at the University of Birmingham before completing a master’s degree in business administration and management at the University of Bath.

uğur Sennaroğlu: Denizbank - heaD of DigiTal generaTion banking

Uğur Sennaroğlu graduat-ed from Bosphorus Univer-sity computer engineering department in 2005. He started his career in Deniz-Bank as software engineer.

He held several team leaders roles within the bank, including the Social Media Banking Develop-ment Team, where he has an important position in developing Facebook Banking project.

He also was a member of the core team of new Bank-ing Platform Project, which

is running worldwide in 20 banks now.Uğur is managing innovative, cloud and ATM projects of

DenizBank as department head in digital banking since April 2013. At the same time, he continues his PhD studies in business administration.

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Documents

The DigiTal Banking CluB Power 50... April 2014 S2y Retail Banker International THE DIGITAL BANKING CLUB POWER 50 About the judges Douglas Blakey Douglas Blakey is group editor, Consumer