As an expert in the digital financial services industry, I bring valuable vision and leadership to the table. My expertise lies in developing scalable and profitable products and businesses that thrive in the ever-changing digital landscape. With the rise of technological disruption and the emergence of the platform and API economy, the banking and financial services sector is undergoing an unprecedented transformation. In the next decade, banking will become seamlessly integrated into our daily lives, operating behind the scenes as data custodians. Meanwhile, platform companies will take center stage as the primary interface for customers.This paradigm shift towards a world where banking is crucial and banks are becoming irrelevant underscores the importance of prioritizing customer experience above all else. As a researcher, I focus on cutting-edge topics such as neobanking, open banking, SME banking, millennial banking, and megatrends in the industry.