the 2017 European DIGITAL BANKING CLUB Power 50 Power 50 2017.indd 1 09/10/2017 09:45:49 Intelligent Environments, the international provider of digital financial services solutions in association with Retail Banker International, Cards International, Electronic Payments International, Private Banker International, Motor Finance and Credit Strategy publications Join thousands of financial services professionals who have joined The Digital Banking Club to understand the future of mobile and online financial services Join The Club! Membership benefits www.thedigitalbankingclub.com 10% discount for new subscribers/purchasers on: Annual subscriptions to Retail Banker International, Cards @TheDBclub International, Electronic Payments International World Market Intelligence’s archive of over 250 Retail Membership is free Banking and Cards & Payments research reports Or Subscription to the Retail Banking and Cards International Intelligence Centres For more information please email: [email protected] TDBC Adverts - 2017 MG Edit.indd 1 03/10/2017 13:30:53 the 2017 european digital banking club power 50 The judges Douglas 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. 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. 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. 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. 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 www.retailbankerinternational.com | 3 Power 50 2017.indd 3 09/10/2017 09:45:55 the 2017 european digital banking club power 50 the 2017 European DIGITAL BANKING CLUB POWER 50 THE DEFINITIVE WHO’S WHO OF DIGITAL BANKING SPONSORED BY INTELLIGENT ENVIRONMENTS personality of the year: Anne Boden FOUNDER AND CEO, STARLING BANK Anne 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 Vitae Education • Bachelor of science in computer science and chemistry at Swansea University • MBA at Middlesex University Career • 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 4 | 2017 | The European Power 50 Power 50 2017.indd 4 09/10/2017 09:46:00 the 2017 european digital banking club power 50 leading lights Retail Banker International editor and chief judge Douglas Blakey welcomes you to the fourth annual Digital Banking Club European Power 50 irst off, very grateful thanks to all of CRITERIA This year the Power 50 was expanded the members of The Digital Banking to incorporate the most influential FClub and subscribers of Retail Banker A reminder of the criteria for inclusion: personalities within collections and International for taking time out to submit The most influential thought leaders in vehicle finance. As everyone loves to spot nominations. European financial services providers, the stars of the future, in addition to the This year, I received almost 300 including regulators, consultants, analysts, European Digital Financial Services Power nominations – a record. innovators and influencers. 50, there is a list of five Rising Stars. And of course, I want to thank the I was not looking for nominations for For the avoidance of doubt, I should external panel of judges for all their help, individuals working for payment providers mention that beyond the Personality of patience and good humour in determining (unless their work was part of a broader the Year, no ranking has been imposed the final names to make the cut: digital financial services offering), digital beyond qualifying for inclusion in the Alessandro Hatami, Daryl Wilkinson, Jerry and/or mobile platform providers and Power 50. The names listed are, therefore, Mulle, and Roy Vella back-office technology suppliers. in alphabetical order. < 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. 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. | 5 Power 50 2017.indd 5 09/10/2017 09:46:03 the 2017 european digital banking club power 50 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. Claire Calmejane LLOYDS Claire Calmejane is director of innovation at Lloyds. She previously worked at Capgemini Consulting in Paris, Boston and London,