CTO Advisory · Digital Banking
I Build Digital Banks and Help Leaders Avoid Costly Mistakes
CTO-level expertise in launching regulated fintech products, digital banking platforms, and wallet infrastructures across Europe.
Filed Under · Risk
The Reality Inside Financial Institutions
Digital transformation programs fail when execution gaps aren't addressed early.
Fragmented Ownership
Strategy, product, and technology teams operate in silos, causing misalignment and delays.
Slow Governance
Rigid approval processes and committee structures slow decision-making and market response.
Stalled Programs
Digital initiatives lose momentum before delivering measurable customer value.
Engagement Model
How I Help
From the CTO who launched two digital banks in regulated European markets.
Regulated Product Launch
Launch regulated products fast—from MVP to scale—with resilient platforms, proper controls, and regulatory alignment.
Product & Tech Operating Model
Build high-performing product teams with clear OKRs, modern DevOps practices, and measurable value delivery frameworks.
AI-Enabled Product Management
Integrate AI into product workflows safely, improving decision quality, development speed, and demonstrable ROI.
RegTech & Compliance Automation
Modernize KYC/AML and regulatory reporting with automation, real-time monitoring, and transparent audit trails.
Transformation Program Leadership
Lead complex digital transformations end-to-end, aligning executives, governance structures, budgets, and delivery outcomes.
Compliance-by-Design Delivery
Embed compliance into the development lifecycle, producing audit-ready evidence and effective operational controls.
Reading Room
Free Resources
Frameworks and checklists distilled from building regulated financial platforms.
Fintech Velocity & Resilience
Pre-launch vs post-launch expectations for regulated product delivery.
Regulated Launch Blueprint
Checklist for launching compliant financial products from ideation to market.
AI for Product Leaders Playbook
Practical guide to integrating AI into product management workflows.
DORA & PCI-DSS Starter Pack
From panic to ready—your compliance preparation checklist.
Lessons from Launching Two Neobanks
Real-world insights from digital bank builds in European markets.
Curriculum Vitae
About Me
I provide leadership and hands-on delivery to launch and scale regulated digital banking products.
With over a decade of experience as CTO, CDO, and CPO across European financial institutions, I specialize in bridging the gap between strategy and execution.
I've led the launch of two digital banks, built product organizations from scratch, and delivered transformation programs exceeding EUR 50M in value.
My focus areas include:
- Digital banking and neobank builds
- Payment systems and wallet infrastructure
- AI integration in regulated environments
- Compliance and risk technology
Leadership Roles
CTO / CDO / CPO · Digital Transformation Lead · Data & AI Leadership
Industry Focus
Banking: digital channels, deposits, onboarding. Fintech: payments, embedded finance. Wealth & Insurance: self-service platforms.
Thought Leadership
Speaker & panelist on fintech innovation, embedded finance, AI adoption, and digital payments.
Correspondence
Let's Talk
Ready to accelerate your digital banking initiative? Book a free 15-minute consultation.