With over 20 years of experience in corporate strategy and enterprise transformation within large financial institutions, M.Descubes benefit from a rich experience in strategic planning, strategic positioning, portfolio of projects management, business modelling and operational modeling, digital transformation of the customer experience. He has multiple exposure to high senior executives’ team, built and lead teams of dedicated experts.

He also has a particular experience on some specific innovation topics of the banking industry, like open banking/open finance, crypto asset, Central Bank Digital Currency (CBDC), selection and integration of Fintech, to win within the coming digital economy. He has an in dept knowledge of the core banking activities (lending, payment, everyday day banking, wealth management, commercial) as well as more transformational issues (omnichannel distribution, NPS system, digital marketing, smart automation).