Currently CEO of Sipios, the subsidiary of M33 Group dedicated to the financial industry. Sipios designs and develops full stack digital applications to resolve critical business challenges.From 2021 to august 2022, I have been a Senior Partner at Exton consulting, managing the Payment & Consumer Finance practice and developing sales within the Banking, Payment and Fintech industries. During that period, I have been part of the integration of Exton consulting within Accenture conducting major consulting and digital transformation programs.Head of sales and business development at the neobank manager.one between march 2019 and october 2020.20 years+ of experience in financial services. Head of the financial services practice with Fi System web agency between 1998 and 2001. Principal with Capgemini consulting financial services practice between 2001 and 2008. Partner and head of the Cards & Payment practice of Exton Consulting from 2009 to 2019.10 years of experience on Payment, expert in card issuing, card acquiring, corporate payment, mobile payment. Some achievements for example are the first open loop prepaid card in France, the first combo debit-credit cards for a major retailer, one of the first EMV MPOS offer, the implementation of central acceptance business architecture for large retailers, the ACP agreement for launching a payment institution. I help CEOs define their payment strategy, launch RFP and negociate strategic partnership, manage transformation program or innovate.20 years of experience in retail banking leading projects like launching new businesses, negociating partnership with credit institution or payment service provider, defining business development strategy, creating new offers, transforming branch network, improving performance of distribution channels (web, call centre, phone & email at branches, marketing campaign), designing digital and big data strategies. Main achievements in recent years include : management of a 3-year branch transformation program (700M€ CapEx), design and launch of a new bank in France, transformation of the business model of a small retail bank, implementation of a 3 year business development plan for individuals and SME markets for a large retail bank, management of transformation programs withtin regional banks.