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the 2017

European DIGITAL BANKING CLUB

Power 50

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the 2017 european digital banking club power 50

The judgesDouglas Blakey

Douglas Blakey is group editor of the consumer finance titles at Verdict, chief of judges for the annual Retail Banker International Awards, and lead market advisor for Verdict’s retail banking research division.

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

Blakey 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 the BBC, the New Statesman and other leading media outlets.

Alessandro Hatami

Alessando Hatami is a corporate serial entrepreneur and digital financial services expert. He has a track record of delivering growth through digital at some of the world’s most respected companies in the financial service industries.

Hatami is co-founder of The Pacemakers, a company that helps large financial services, banking and payments firms go from simply thinking digital innovation to implementing it. Hatami has an extensive background in international general management, product development, marketing, business development, sales and strategy, having held digital director positions at Lloyds Banking Group. Prior to this, Hatami was director of large merchant services at PayPal.

Jerry Mulle

Jerry Mulle has 25 years of experience working in the financial services industry. He is director of customer and partner relationships at Intelligent Environments (IE).

Over the last 15 years, Mulle 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 subse-quent rollout.

Before joining IE, Mulle 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 headed up the e-commerce and commercial card teams.

Roy Vella

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

Before RBS, Vella spent five years with PayPal, launching the merchant services team and becoming head of mobile payments in Europe. He 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.

Daryl Wilkinson

Daryl Wilkinson is an executive director at Unity Trust Bank – a commercial bank with a social conscience. He leads customer propositions and strategic marketing.

Prior to joining Unity he founded and led DWC, a specialist digital consultancy and software development company whose client list included the Financial Conduct Authority, Canon Business Services, Unity Trust Bank, and Ensygnia. Wilkinson created and led Nationwide Building Society’s group digital development team and Innovation Lab, and was a strategist for the Royal Bank of Scotland and Northern Rock Bank

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4 | 2017 | The European Power 50


the 2017

European DIGITAL BANKING CLUB POWER 50THE DEFINITIVE WHO’S WHO OF DIGITAL BANKING SPONSORED BY INTELLIGENT ENVIRONMENTS

Anne Boden FOUNDER AND CEO, STARLING BANKAnne founded Starling Bank in 2014, after a successful spell as COO of Allied Irish Banks. It has been quite a year for Ms Boden and for Starling. The challenger bank launched its current account and it launched its first APIs. It also signed an agreement with TransferWise, enabling users to make payments to accounts denominated in different currencies. It also enabled customers to use the Pay by Bank app, using mobile payment technology run by VocaLink. Then in September, Starling kicked off plans to expand internationally, to be funded by securing another £40m of investment from its backers.

Curriculum VitaeEducation• Bachelor of science in computer science and chemistry at Swansea University• MBA at Middlesex UniversityCareer• Vice-president, corporate and institutional banking at UBS• Director and chief information officer at Aon• Executive vice-president, transaction banking at ABN Amro• Head of Europe, the Middle East and Africam global transaction services at RBS• COO at AIB• CEO at Starling

personality of the year:

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Blythe Masters DIGITAL ASSET HOLDINGS

Blythe Masters is currently CEO of Digital Asset Holdings, a financial technology firm developing distributed ledger technology for wholesale financial services. A former executive at JPMorgan Chase, Masters is widely credited as the creator of the credit default swap as a financial instrument.

She is also chair of the governing board of the Linux Foundation’s open-source Hyperledger Project, member of the international advisory board of Santander Group, and advisory board member of the US Chamber of Digital Commerce.

Anna Znamirowska-Stączek BANK SMART POLAND

Anna Znamirowska-Stączek is currently an MD at SPV, and has been a crucial part of Bank

SMART in roles such as director of the mobile banking department.

A graduate of the Warsaw School of Economics, Znamirowska-Stączek also held roles at Bank Pocztowy and BRE Bank, now

known as mBank.

Alessandro Hatami THE PACEMAKERS

Alessandro Hatami is a corporate serial entrepreneur and digital financial services expert. He has a track record of delivering growth through digital at some of the world’s most respected companies in the financial service industries.

Hatami is co-founder of The Pacemakers, a company that helps large financial services, banking and payments firms go from simply thinking digital innovation to implementing it. He has an extensive background in international general management, product development, marketing, business development, and strategy.

Retail Banker International editor and chief judge Douglas Blakey welcomes you to the fourth annual Digital Banking Club European Power 50

First off, very grateful thanks to all of the members of The Digital Banking Club and subscribers of Retail Banker

International for taking time out to submit nominations.

This year, I received almost 300 nominations – a record.

And of course, I want to thank the external panel of judges for all their help, patience and good humour in determining the final names to make the cut: Alessandro Hatami, Daryl Wilkinson, Jerry Mulle, and Roy Vella

CRITERIAA reminder of the criteria for inclusion: The most influential thought leaders in European financial services providers, including regulators, consultants, analysts, innovators and influencers.

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

This year the Power 50 was expanded to incorporate the most influential personalities within collections and vehicle finance. 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 five Rising Stars.

For the avoidance of doubt, I should mention that beyond the Personality of the Year, no ranking has been imposed beyond qualifying for inclusion in the Power 50. The names listed are, therefore, in alphabetical order. <

leading lights

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Carlos Sanchez IPAGOO

Carlos Sanchez is CEO and co-founder of ipagoo, a pan-european digital provider of cash management and payment services, which represents a new model for banking where everyday services such as current accounts and payments are separated from balance sheet-dependent credit and lending activities to provide a real alternative to traditional banks.

Sanchez was previously executive director at Goldman Sachs in London, acting as financial advisor for the European corporate market in investments.

Chris Adelsbach TECHSTARS

Chris Adelsbach is a London-based entrepreneur, fintech investor, advisor and mentor. He is MD at Techstars, a worldwide network that helps entrepreneurs succeed.

Adelsbach has spent most of his professional career in the UK. He had an 11-year career at GE Capital before co-founding a speciality finance company in 2006 that became one of the UK’s fastest-growing privately held companies. In 2014, Adelsback and his co-founders sold the business to a Nasdaq-listed entity and large US private equity group.

Chris Gledhill SECCO AURA

Formerly lead of disruptive innovation labs at Lloyds, Chris Gledhill is now CEO of reputational-economic start-up Secco Aura, which he co-founded.

A global fintech influencer, technologist and digital nomad, Gledhill says he is on a mission to reinvent banking. He regularly speaks and blogs about financial services, and is seen as a fintech thought leader. He is passionate about disruptive technologies such as digital currencies, blockchain, artificial intelligence, biometrics, the Internet of Things, big data and APIs.

Claire Calmejane LLOYDS

Claire Calmejane is director of innovation at Lloyds. She previously worked at Capgemini Consulting in Paris, Boston and London, and for BNPP, MABanque and RBS on strategic and operational delivery.

Calmejane joined Lloyds as head of digital delivery in 2012, and is responsible for delivering online services including paperless, self-service, cards online, payments and social media across desktops, mobiles and tablets.

She graduated from a computer science engineering school in 2005, and holds an MA from HEC Paris.

Daryl Wilkinson UNITY TRUST BANK

Daryl Wilkinson is an executive director at Unity Trust Bank – a commercial bank

with a social conscience. He leads customer propositions and strategic marketing.

Prior to joining Unity he founded and led DWC, a specialist digital consultancy and

software development company whose client list included the Financial Conduct Authority,

Canon Business Services, Unity Trust Bank, and Ensygnia. Wilkinson created and led

Nationwide Building Society’s group digital development team and Innovation Lab, and

was a strategist for the Royal Bank of Scotland and Northern Rock Bank

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David Urbano IMAGINBANK

Urbano became director of imaginBank in January 2016. He has worked at CaixaBank for 10 years, holding positions such as new channels project director, ServiCaixa marketing director and mobile banking and digital networks director for CaixaBank Digital.

Urbano has an advanced engineering degree in telecommunications from the Polytechnic University of Catalonia.

Gemma Godfrey MOOLA

Gemma Godfrey is founder and CEO of Moola, a money website that helps members achieve their goals and works with employers to improve employee financial wellbeing.

Advisor to Arnold Schwarzenegger on Celebrity Apprentice, Godfrey is the money expert on the ITV show Eat, Shop, Save. The consumer champion was named one of the most powerful women in London by CityAM.

With a background in quantum physics, Godfrey is a board adviser and previously headed investment strategy for a publicly listed wealth manager with £8bn of assets, Brooks Macdonald.

George Bevis TIDE

George Bevis is founder and CEO of mobile-first business banking service Tide, launched in January this year. Bevis joined Capital One in 2002 as a business analyst before moving to RBS in 2005, where he was manager of strategy and planning and head of innovation.

He founded SpeedSell.com in 2007 and joined Barclaycard in 2012, where he was director of business strategy, director of global digital product and director of wearables strategy. He then became interim director of product at Zopa, before founding internet incubator Groovy Bananas.

Eileen Burbidge PASSION CAPITAL

Eileen Burbidge is a partner at Passion Capital, a pre-eminent early-stage venture fund based in London. She brings extensive operational experience to her investment activities gleaned from business and product roles at Yahoo!, Skype, Apple and elsewhere.

Burbidge is also chair of Tech City UK, a government-backed organisation supporting digital business across the whole of the UK. She is also HM Treasury’s special envoy for fintech appointed by the Chancellor, and tech ambassador for the Mayor of London’s office.

Garvan Callan BANK OF IRELAND

Garvan Callan has been director of customer, digital and innovation at Bank of Ireland since July 2014.

Callan was previously head of direct channels, responsible for developing the performance of direct strategy across telephone, digital and social channels. Prior to this, he was head of business development at Danske Bank IRL.

He is a member of the executive committee of the Institute of Bankers, and a graduate of the Life Insurance Association.

Gary Wilkinson REDWOOD BANK

Gary Wilkinson has 30 years’ experience in the banking and

building society sectors. He has held senior positions at Alliance

& Leicester, Nationwide Building Society and Newcastle Building Society before joining Pensions

Bank in September 2010 as CEO. The assets and undertaking of Pensions bank was then

transferred to Cambridge & Counties Bank, which obtained a

new banking licence in 2012.

Duena Blomstrom DB CONSULTING

Duena Blomstrom is currently an independent digital experience

consultant, fintech specialist, entrepreneur, angel investor, a

mentor for Startupbootcamp and Techstars, and for the past 18

years has also been in the telco and finance worlds for strategy and

consulting.Most recently, Blomstrom has

been head of sales and marketing for Meniga.

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Giles Andrews ZOPA

Giles Andrews is co-founder and chair of Zopa, the world’s first peer-to-peer lending business. Andrews previously co-founded Caverdale in 1992, which he took from startup to a £250m ($328m) revenue motor retailer and sold in 1997.

After completing an MBA at INSEAD he ran his own consultancy business, with clients in the general retail and financial services sectors, until co-founding Zopa in 2004 where he was CEO until 2015. Andrews is also chair of Bethnal Green Ventures and MarketInvoice.

Hannah Nixon UK PAYMENT SYSTEMS REGULATOR

Hannah Nixon is MD of the UK Payment Systems Regulator. As the world’s first economic regulator for payments, she is responsible for promoting competition and innovation to the benefit of consumers in the UK’s £75trn ($101.trn) payment systems.

An economist by background, Nixon has held roles in other economic regulatory bodies and advised on regulatory issues in the UK and internationally. She is also a non-executive director of the Channel Islands Competition and Regulatory Authority.

Josh Bottomley HSBC

Josh Bottomley has been global head of digital for HSBC since 2012, overseeing the bank’s digital offerings for retail banking and wealth management customers.

He was global head of display for Google in California, overseeing a $5bn business and the search engine’s largest non-search revenue engine. He previously spent 12 years in general management roles in publishing, data and business services working as MD for both LexisNexis and the Financial Times Group.

Hilda Jenkins BARCLAYS UK

Hilda Jenkins is digital experience and engagement director at Barclays UK. She is helping to transform the bank by delivering intuitive, seamless digital experiences and engagement to the bank’s web and mobile customers.

Jenkins is responsible for the creation of the customer experience strategy for Barclays’ UK digital channels, and created a best-in-class mobile-first strategy for the bank.

She also helped to deliver the first mobile site for ASOS.com, and was head of technology at Tesco.

Jacek Iljin MBANK

Jacek Iljin is MD at mBank, an internet retail brand of BRE Bank SA. He is responsible for core banking products – accounts and cards – and analytical CRM.

Iljin specialises in direct sales, marketing research, new business development in financial services and e-services.

Previously, he held the position of deputy marketing and business development department director at mBank, and was focused on marketing research, strategy and new businesses development.

Jason Bates 11:FS

Jason Bates is co-founder and consulting lead for 11:FS. Bates previously co-founded Monzo and Starling – two new digital retail banks in the UK – where he led product and proposition, researching customer needs, designing the app, recruiting a world-class team, and defending

regulatory submissions to the UK regulator.Bates has first-hand experience of what creating a next-generation fintech bank from

scratch really means. He is most happy working with customers and bankers to create simple solutions with powerful outcomes.

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Kevin Hanley RBS

Having joined the bank in 2009, Kevin Hanley is now RBS’s director of innovation and solutions, responsible for scouting and solutions delivery.

Prior to joining RBS, Hanley was head of services at ABN Amro and a partner in Accenture’s global capital markets practice based in London. He has over 25 years’ international industry experience, having worked at many different financial institutions in Europe and the US.

Prior to joining Accenture, Hanley obtained a BA degree from Cambridge University.

Lotta Lovén SWEDBANK

Lotta Lovén is head of digital banking at Swedbank.

Lovén is tasked with developing the bank’s digital channels, thereby aiming to increase the group’s rate of innovation.

She originally joined Swedbank back in 2007, having since held a number of senior roles within the group.

These includes stints as head of marketing development, head of online banking development, head of digital innovations and solutions, head of digital development, and most recently as head of channels.

Marta Marín Romano SANTANDER

Marta Marín Romano is responsible for the multichannel area of the retail and commercial banking division of Grupo Banco Santander.

Her responsibility is to define the model and strategy of the multichannel transformation as well as each channel – internet, mobile, branch, contact centre, ATM and social networks – according to its role in the strategy.

Her goal is to offer clients superior service no matter which channel they choose. She co-ordinates the implementation of the strategy in each country with a global vision.

Mark Culleton AIB

Mark Culleton is AIB’s head of asset-based lending, area north

and west and direct banking. He has over 25 years’ experience

in diverse areas of banking including wealth management, branch management, customer

relationship management, business and sales management

and now asset-based lending. Culleton led channel adoption,

incorporating AIB’s self-service and direct channels. He developed adoption and

social media strategy, and was responsible for The Lab, AIB’s

digital banking store.

Mark Mullen ATOM BANK

London-born Mark Mullen was educated in Dublin (History) and later Warwick (MBA).

He is a career marketer and banker with former roles at HSBC Group in the UK and Middle East.

He is a former CMO and CEO of First Direct, and a co-founder of Durham-based Atom Bank in 2014. More recently he was appointed chair of the Challenger Bank Stakeholder Group.

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Matthias Kröner FIDOR BANK

Matthias Kröner is co-founder and CEO of Fidor Bank, the neobank launched in Germany and the UK and recently acquired by the BPCE Group.

Fidor Bank reflects Kröner’s vision of digital and social banking whereby customers become active advisors on community forums, they help co-create products and are rewarded for their contribution.

Prior to founding Fidor Bank, Kröner co-developed the first continental European online broker, known as DAB Bank. He began his professional career in the hotel hospitality industry.

Melissa Meshkat M&S BANK

Melissa Meshkat is head of digital for M&S Bank and responsible for driving digital acquisition, servicing and engagement.

Meshkat has worked in digital for 14 years, gaining a thorough grounding in digital while agency-side, before joining M&S Bank six years ago. She has a record in directing award-winning campaigns, developing digital products and services, launching new digital channels and shaping digital strategy.

She is passionate about transforming M&S Bank’s digital capabilities and championing excellent customer experiences.

Paulette Rowe BARCLAYCARD

Paulette Rowe joined Barclays in 2012 as MD of Barclaycard’s global payment acceptance systems. She has a wealth of financial services and management experience, and heads Europe’s second-largest acquiring business, handling over one in three UK card payments.

Prior to joining Barclaycard she was strategy director for NBNK, an AIM-listed financial investment company. The bulk of Rowe’s career has been in consumer banking with the RBS Group and General Electric, where she was MD and chief executive respectively.

Michelle Kent SANTANDER

Michelle Kent is director of digital at Santander UK. Kent has worked in retail financial services since graduating in 1994. Her early career was spent in marketing communications,and moved into digital 10 years ago, using her commercial and analytic strengths to grow online market share for Alliance & Leicester.

Since joining Santander, Michelle has held a number of digital roles and now has overall responsibility for the UK digital channels and involvement in global digital transformation.

Nick Ogden CLEARBANK

An entrepreneur with over 30 years’ experience in banking, payments and fintech, Nick Ogden is the founder of ClearBank, and its executive chair.

Prior to ClearBank, Nick founded and led a number of other companies, most notably WorldPay in 1997. The first internet payment service to guarantee transactions worldwide, Ogden helped WorldPay grow to over 270 employees, 20,000 customers across 120 countries and e-commerce transactions in excess of $2bn per year.

Paul Horlock NATIONWIDE

Paul Horlock is director of payments at Nationwide Building Society. He joined Nationwide in 2010 with accountability for a full range of end-to-end payments services for the society’s members. He has driven changes such as contactless cards, Paym, Apple

Pay, Android Pay and Samsung Pay to deliver services in the digital marketplace.Horlock has represented Nationwide on the boards of VocaLink and Payments UK. He

led the setup of the Open Banking Implementation Entity and chairs the Design Hub at the Payments Strategy Forum.

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Pol Navarro TSB

Pol Navarro is digital innovation and transformation director at TSB Bank, and a keynote and associate professor of digital business at ESADE Business School. He was previously the head of digital transformation at Banco Sabadell.

Navarro is a highly qualified digital business, customer service and e-commerce strategist, and a recognised thought leader who has spoken internationally at several banking, mobile and internet conferences.

He studied computer sciences at Universidad Autónoma de Barcelona.

Roberto FerrariMEDIOBANCA GROUP

Ferrari is Chief Digital & Innovation Officer of Mediobanca Group.

Previously, he was general manager at CheBanca!, the digital and multi-channel bank of Mediobanca Group.

This was the first Bank in Europe to launch a BTC Robo-Advisor and was awarded, in the last four years in a row, the best online bank in Italy.

Formerly, he was the Western Europe Marketing Director at Procter&Gamble.

Ferrari holds a MSc degree in Public Policy from the University College of London (UCL).

Sabrina Del Prete WILLIAMS & GLYN – RBS

Sabrina Del Prete is a co-founder of ThinkingRocket, a technology and advisory company supporting financial service organisations through digital transformation. She has over 20 years’ experience in financial markets, business transformation and application of new technologies in banking.

Del Prete has held senior roles at JP Morgan Chase, Barclays, Coutts and RBS. She is actively involved in the entrepreneurial community, both as a board adviser and strategic director for fintech companies. Del Prete holds an MSc in Finance from the London Business School and a BA in Business and Economics from the University of Turin.

Ramki SankaranarayananBARCLAYS

Ramki leads product management of digital channels for Barclays in the UK, being responsible for strategy, customer experience and commercial performance. Prior to Barclays, Ramki spent many years in telecommunications, working for a mix of startups and large businesses such as BT, Nokia and Verizon delivering customer-facing products at scale.

Roy Vella VELLA VENTURES

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

Before RBS, Vella spent five years with PayPal, launching the merchant services team and becoming head of mobile pay-ments in Europe. He has worked in startups, venture capital and co-founded NetAbacus Corpo-ration, a web-based purchasing service for small businesses.

Rupert Lee-BrowneCAXTON FX

Rupert Lee-Browne founded Caxton FX in 2002 following a successful career in finance and media. What was origially a one-man initiative now turns

over in excess of £760m.Lee-Browne’s current role is to guide the

business, helping the team to progress and innovate so Caxton FX maintains its position as a

leading foreign exchange company.He is a keen champion of SME interests,

regularly appearing in the press and at events to provide insight and advice for growing businesses.

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digital innovation in:

Samir Desai FUNDING CIRCLE

Samir Desai co-founded and is CEO of Funding Circle which launched in 2010. Funding Circle is a global lending platform where investors lend directly to small businesses in the UK, US, Germany and the Netherlands. Funding Circle has originated over £3bn of loans to more than 30,000 businesses, creating an estimated 80,000 jobs.

Investors on the platform include individuals and institutions, local councils, universities, and government organisations including the British Business Bank, the KfW and the European Investment Bank.

Sebastian Siemiatkowski KLARNA

Sebastian Siemiatkowski co-founded Klarna in 2005 to provide simple, safe online payments and is currently its CEO. Over the past decade, he has overseen the company’s rapid European growth and recent move into North America. Klarna is a now fully licensed bank with 60 million consumers and a 70,000-strong merchant user base.

Siemiatkowski has received multiple awards, including runner-up in the 2015 global EY Entrepreneur of the Year award, Leader of the Year award by Adecco, and European Entrepreneur of the Year award by TechTour.

Teppo Paavola BBVA

Teppo Paavola, chief development officer and GM of new digital businesses, has been at BBVA since October 2014. Before joining BBVA, Paavola was head of global business development and M&A at PayPal. He was also vice-president and GM of mobile financial services, and led corporate business development and partnering at Nokia Corporation.

As a founder and CEO of five startups, he also knows what is required in setting up new businesses. He was named Doyen of Digital Banking and Personality of the Year 2016 in Digital Banking by international financial services industry peers.

Sophie Guibaud FIDOR BANK

Sophie Guibaud is vice-president of European expansion at digital-only challenger Fidor Bank, and oversaw the bank’s UK launch and rollout in September 2015. Guibaud began her career in investment banking in New York before joining Time Equity Partners, a growth capital fund in Paris.

Along with startup investments, she has advised internet and media companies on development strategy, and was instrumental in the launch of e-commerce company HelloFresh UK. Prior to this, Guibaud led product strategy at Bankable.

Spiros MargarisMARGARIS ADVISORY

Spiros Margaris is a senior advisor and investor at InsureScan.net, Kapilendo.com and moneymeets.com.

He is also an advisory board member at Werthstein.com, a Swiss digital wealth management company, and senior advisor at DSER.de, a B2B German fintech with a client portfolio volume of over €40bn (£47.5bn). He is also a senior advisor to the Fintech Forum.

He is a frequent speaker at fintech conferences, and publishes articles on innovation proposals and thought leadership.

Tamar Yassur BANK LEUMI

Tamar Yassur is head of the Digital Banking Division at Leumi, one of Israel’s leading banks. She is in charge of driving digital innovation and transformation across all

business lines of the Leumi Group. Yassur overseas Leumi’s innovation, digital, Big Data and marketing departments. She is also responsible for Pepper, Leumi’s mobile-only

challenger bank that launched in mid-2017.Previous positions in the Leumi Group include head of the retail banking division, chair

and CEO of Leumi Card, and head of marketing.

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Terry Cordeiro LLOYDS

In his current role as head of product management in group transformation at Lloyds Banking Group, Terry Cordeiro leads the

development of the group’s cognitive platform and AI capability, as well as managing a number of product teams building smart enablers designed to

transform how customers engage and communicate with the bank.With over 20 years’ experience in designing and building products

and mobilising product teams, Cordeiro is passionate about product management, innovation, design, people and culture change.

Tom Blomfield MONZO

Tom Blomfield is CEO and co-founder of Monzo, the digital mobile-only UK bank. He previously founded GoCardless, a fintech startup that has gone on to raise $25m. In 2013 he was named as one of the top five entrepreneurs aged under 30 by the European Commission.

During 2007–2008, Blomfield completed an MA at Oxford University, specialising in corporate finance, corporate insolvency, European business regulation and international financial law. He previously obtained a law degree at the same institution.

COLLECTIONSMartin O’Donnell CAPQUEST

Martin O’Donnell is digital strategy lead for Capquest, part of the Arrow Global group. He is responsible for increasing digital engagement by adding new functionality, improving the customer journey and introducing digital marketing capabilities.

He has been in the industry for seven years in operational, strategy and customer experience roles focusing on digital propositions. He oversaw the build and launch of a new online account-servicing platform, and created a new digital marketing facility. These changes have seen a significant uplift in digital engagement, increased revenue, reduced operating costs and improved customer satisfaction levels.

Tomasz Motyl ALIOR BANK

Tomasz Motyl is chief innovation officer at Alior Bank, responsible for establishing and operating the innovation lab, a dedicated team that cooperates with fintech startups, looks for new business models and pursues R&D looking for innovative solutions.

Motyl was associated with Alior Bank from its inception, primarily in developing application architecture. His portfolio includes Alior Sync, T-Mobile Banking and Big Data. In 2016 he received the Tech Leadership of the Year award at the Banking Technology Awards in London.

Will Beeson CIVILISEDBANK

Will Beeson is part of the founding team and head of operations and innovation at UK challenger bank CivilisedBank. After starting his career as an analyst at Citigroup in New York, Beeson spent seven years in Europe advising and managing financial services companies through the 2008 financial crisis and subsequent European sovereign crisis.

He is a writer and frequent speaker at banking and fintech conferences, and is the creator and host of Rebank: Banking the Future, a leading fintech podcast.

VEHICLE FINANCE Chris Rowthorn MOTONOVO FINANCE

Chris Rowthorn is head of operations for new business at MotoNovo Finance, an innovative, multi-award-winning company and a recognised leader in dealer finance in the UK.

Appointed to his latest role in July 2017, Rowthorn has held a series of senior leadership roles in the fast-growing business he joined over 15 years ago. He has overseen disciplines including operations, sales and collections, embracing new technology to help the business adapt to new

regulation, and ensuring that it maintains a highly customer-centric edge.

digital innovation in:

Power 50 2017.indd 13 09/10/2017 09:47:20


the 2017 european digital banking club power 50 – rising stars

2017 european power 50: rising stars

Frida Jonsdottir DELOITTE

Frida Jonsdottir is a senior technology consultant at Deloitte. She joined the firm in late 2013 as an analyst, and has rapidly progressed through

the ranks, receiving early promotions.During her time as analyst, Jonsdottir undertook a secondment at

Startupbootcamp FinTech and VentureScout. There, she helped develop the fintech accelerator programme while setting up a new insurtech accelerator programme. She also supported fintech startups in both

London and the Middle East to grow through mentorship.A core team member in launching Deloitte’s EMEA fintech capability,

Jonsdottir has also single-handedly led the implementation of a fintech capability in the Nordics in the past 18 months.

Leah Templeman MONZO

Leah Templeman has been with Monzo since day one, initially joining to support the banking licence application and now running the customer operations team as Monzo’s head of operations.

Prior to Monzo, Templeman spent several years at strategy consultants Bain & Co., covering various sectors including banking, telecommunications and utilities.

Sarah Randall BARCLAYS

Sarah Randall is a senior digital product manager at Barclays. She is working to help transform the bank by delivering customer-centric digital experiences.

After graduating from Exeter University in 2014 Randall joined the Barclays graduate programme where she worked in various roles across the bank, including the data office in Barclays Africa.

Randall is now responsible for a large-scale strategic programme that is a key enabler to the banks digital transformation programme. Randall is also passionate about creating a positive and fun working environment, and is involved various initiatives to drive this across the bank.

Alex Michael PLUM

Alex Michael is a co-founder and CTO at Plum, where he oversees the technical direction of the product.

He is the former payments lead at Tictail. He joined Tictail as engineer #5, built the platform and team that handled payment processing for 150,000 shops and watched the company grow to 60 people with offices in Stockholm and New York.

Prior to Tictail, he built software for retail data analytics, social networks, sports and Bloomberg. He is also the co-founder of Hack Cyprus, a tech movement in Cyprus which runs hackathons and schools for youngsters who want to learn how to code.

He has an MEng in Computing from Imperial College London.

Steven Hicks LLOYDS

Steven Hicks is head of mobile at Lloyds Banking Group, a business

he has been with for the past seven years.

A graduate of the University of Birmingham, Hicks is a confident,

driven and experienced leader with a strong background in product

management, a deep knowledge of the digital and mobile banking

environment, and the ability to build trusted relationships.

Power 50 2017.indd 14 09/10/2017 09:47:27

Intelligent Environments is an international provider of innovative fi nancial services technology. Our mission is to enable our clients to deliver a simple, secure and effortless digital customer experience.

We do this through Interact®, our digital fi nancial services platform, which enables secure customer acquisition, onboarding, engagement, transactions and servicing across any digital channel and device. Today these are predominantly focused on smartphones, PCs and tablets. However Interact® will support other devices, if and when they become mainstream.

We provide a more viable option to internally developed technology, enabling our clients with a fast route to market whilst providing the expertise to manage the complexity of multiple channels, devices and operating systems. Interact® is a continuously evolving digital customer engagement platform that ensures our clients keep pace with the fast moving digital landscape.

We are immensely proud of our achievements, in relation to our innovation, our thought leadership, our industrywide recognition, our demonstrable product differentiation, the diversity of our client base, and the calibre of our partners.

For many years we have been the digital heart of a diverse range of fi nancial services providers including Generali Worldwide, HRG, Ikano Retail Finance, Lloyds Banking Group, MotoNovo Finance, Think Money Group and Toyota Financial Services.

To fi nd out more please visit:

www.intelligentenvironments.com

Simple, secure and effortless digital solutions for fi nancial services organisations

@IntelEnviro

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Power 50 2017.indd 16 09/10/2017 09:45:45

european digital banking club power 50 · payments international, private banker international,...

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