Non-profit organization created in 1971 by leading European banks, Efma has extended its borders in 2012 and is now the preferred network of over 3,300 bank and insurance brands in 130 countries all around the world.
Efma unites financial services industry professionals within a global and reliable network and facilitates connection and exchange among the sector’s decision-makers.
Our purpose is to support our members and create a strong community based on expertise and skills. Our mission is to provide community intelligence to optimize, innovate and transform by recognizing our members’ best practices and connecting them.
Yolande Piazza is currently Vice President of Financial Services at Google Cloud.
She was previously CEO of Citi FinTech, a unit in Citi’s Global Consumer Bank charged with delivering a radically simple, connected customer experience on mobile. Through co-creation with customers, an agile operating model and next generation technology, Citi FinTech is transforming how Citi designs, builds, creates, and delivers mobile features and capabilities for millions of customers. Yolande is a member of the Global Consumer Bank Management Committee.
In 2016, Citi FinTech introduced a new set of features for U.S. Retail Bank clients, making Citi the first global bank to integrate banking, money movement and wealth management on mobile.
A nearly thirty-year veteran of Citi, Yolande has held several key technology leadership roles, most recently Chief Operating Officer (COO) of Citi FinTech. As COO, she was responsible for the day-to-day operations of Citi FinTech and leading Citi’s Consumer Innovation Labs. Prior to Citi FinTech, Yolande served as Chief Administrative Officer for Global Consumer Banking Operations & Technology for seven years, providing value-added services and benefits to internal clients, as well as developing, implementing and managing a number of transformation initiatives to improve results and cost efficiency. She has held several senior roles, including SVP of Online Applications & Services for Diners Club International and CIO of Student Loans Corporation.
In 2014, Yolande founded the “Future Women in IT” program, which aims to inspire middle and high school girls to pursue careers in technology and reduce the misconception that "I.T. Is not for me". The program has reached more than 20,000 girls across the United States since inception.
In 2017, she joined the UN Women Global Innovation Coalition for Change (GICC), a dynamic partnership between UN Women and key representatives from the private sector, academia and nonprofit institutions focused on developing the innovation market to work better for women and to accelerate the achievement of gender equality and women's empowerment.
Yolande co-led the Citi Operations & Technology Women’s Council and has been recognized for her achievements as part of the 2014 YWCA-NYC Academy of Women Leaders and as an honoree for United Way of Northeast Florida’s Women in Local Leadership (WILL) Up Close & Personal Program. In 2017, she was featured on American Banker’s “Women to Watch” list and Bank Innovation’s Most Innovative CEOs in Banking.
John is a former Retail CEO at Abbey National (now part of Santander) in the UK. During his time there, roles included Marketing Director, European Director (Managing businesses in France, Spain and Italy), Transformation Director as well as Senior Distribution roles. He received international recognition for customer centric innovations such as Costa Coffee and Branch Franchising. In recent years he has developed a global reputation through his own business within the industry for work in consulting and training with retail banks worldwide His relationship with Efma goes back some 25 years ranging from speaker to more recently as a Senior Advisor.
Eric is Senior Advisor in Open Innovation and the fintech incubator Startup in Residence (SeR) Director at Desjardins, the largest federation of credit unions in North America. Previously, he was Vice-President and Partner at Flinks, a data company that empowers businesses to connect their users with financial services they want.
In addition, he is an active advisory board member for a few high-profile Canadian fintechs including Flare Systems, a Montreal-based cybersecurity startup that helps financial institutions track and avoid security threats. Eric also works as an advisor at Holt Fintech AI Accelerator and is a guest-sherpa expert at Fintech Cadence....
Avec la crise pandémique qui frappe l’activité mondiale et oblige tous les secteurs de l’économie à se réinventer, Patrick Desmarès, retraité depuis 4 ans de l’Efma, a décidé de reprendre du service. John Berry, nouveau CEO, lui a demandé d’assurer la liaison avec les grands cabinets de conseil membres associés de l’Efma ainsi qu’avec les banques et assurances ayant leur siège en France. Parmi ces dernières, beaucoup étaient des membres fondateurs de l’Association il y a 45 ans.
Patrick a dirigé l’Efma de 2003 à 2015 et a tout particulièrement contribué à sa transformation et à son renouveau au...
John is the former Managing Director and Transformation Director at the retail bank Abbey National.
During his extensive career in the bank, his roles included Sales Director, Marketing Director, Operations Director, European Director (managing businesses in Spain, France and Italy) and Managing Director. He received worldwide recognition for innovation in bringing branch franchising to UK financial services as well as changing the face of high street branches by establishing partnerships such as Costa Coffee, Safeway and Homebase.
Since retiring from Abbey at the end of 2003 John has worked throughout the world assisting retail banks to improve their performance across all channels (experience has included Africa/ ...
George is a retail banking and payments specialist, having led businesses in Asia Pacific with GE Capital and leading Australian banks. Together with group roles in the Middle East as MD Consumer Banking with NBAD, and GM Consumer with NBK.
Now principal of Beatty Advisory Group, and a senior advisor to Efma, George advises consumer businesses on product innovation, multi-channel delivery, CX and network design.
Possessing a management consulting background in channel strategy and improvement, George has substantial national product launch experience, including award winning retail financial services packages, mobile apps, and digital products.
George has championed significant cultural change projects to transform organisations, improve competitiveness and drive...
Eylem has started her career in Consumer Banking, at Akbank and had 15 years of professional experience in banking. She has designed and executed various projects focusing on youth banking, affluent banking, segment management, payment systems, sales coaching models and marketing communications. Besides consumer banking, she has managed strategic projects and initiatives across the business units in the Strategy Department. For the last four years, she had a focus on the transformation of the banking industry, fintechs, innovation and collaborations.
Eylem is the Strategy & Business Development Head at Cbot, a San Francisco based conversational AI company....
Fahim uz Zaman has been working in financial services industry for the last 14 years, providing intelligence, knowledge and thought leadership on key issues related to industry. With his deep rooted contacts in the Middle East region, keen understanding of the culture and thorough knowledge of the industry, Fahim has helped companies in retail financial services industry succeed in their go-to-market planning, transformation, product development and branding and benchmarking initiatives. Fahim has also authored several landmark reports on consumer banking, wealth management and Islamic banking. Fahim is a frequent speaker at international conferences in Asia Pacific and Middle East region and an invited analyst on business TV programmes. Before getting relocated to Middle East, Fahim sp...
As Country Manager at Efma, Lukas is responsible for managing relations with all member and non-member financial institutions in Poland, Turkey and the Nordic region.
In addition, as the Program Director of the SME Summit and SME Banking Council at Efma, Lukas has demonstrated his expertise on various topics connected to innovation and transformation in retail and SME banking.
Moreover, for the past five years, he has co-hosted the Efma Accenture Innovation Awards in Banking with Jim Marous and has spoken at numerous international conferences across Europe and USA (among many, the Fintech Digital Congress in Warsaw, Chris Skinner´s Banking Club in London, Banking as a Service Summit in Istanbul, TEDx in Slovakia and the Insurance Awards NA...
At Efma - Country Manager for Poland and Physical Channels Council Director.
Banking expert, a manager with 20-years of experience in the financial sector, where she managed or took part in the projects of the strategy of development (retail banking, bank branches management), creating value for the customers and risk management. They all led to the business increase. These were the projects that led to building a leading position on the local market, the projects that created value on the market, a new way of sales management, high quality of service or implementing strategies for new markets.
She worked for the biggest banks in Poland and the world: Bank Pekao SA, Santander Bank Poland. Also for PZU, the Polish Bank Association and Polish Financial Supervision Au...
Carlo is among the pioneers of the digital banking and he is considered a visionary innovator and one of most recognized fintech thought leader in Europe.
He has worked in banking industry as Management Consultant and as Bank Manager for over 30 years and more recently he started a new path as entrepreneur by founding Supernovae Labs, a Business accelerator for Fintechs and Banks. He swims in innovation, surfing new technology & way of doing, weighting the soundness of business ideas and connecting them with the reality of internal legacies, cultural gaps and spaghetti systems. That puts him in the position to devise a clear vision about the upcoming disruption, and figure out how banks can successfully embrace, rather than counter it, leveraging a new breed of technology, f...
Tsukasa Makino is the Senior Research Officer at The Tokio Marine Research Institute, as well as the Manager at IT Planning Dept. and Government & External Relations Dept. of Tokio Marine & Nichido Fire Insurance Co., Ltd.
He is conducting long range and international research on various fields such as advanced IT, Cyber-security, and Singularity. His research activities include travelling around the world, presenting at conferences and seminars.
As a visiting lecturer at The University of Tokyo and visiting professor at University of Tsukuba, he is teaching “Addressing Social Issues with ICT”, “Career Development”, “and Engineer’s Ethics”.
Lincoln is CEO of iWise Group (IWG) which he founded in 2016. The Group advises Brunei’s central bank Autoriti Monetari Brunei Darussalam (AMBD) and provides strategic consulting to manage data issues, digital transformation and improve the credit bureau as a risk management tool. It is also offering data solutions to a number of leading companies around the world.
Prior to this, Lincoln was the Chief Operating Officer (COO) of Experian Group in Singapore and the General Manager of its national credit bureau. Another data repository, the Moneylenders Credit Bureau (MLCB), was launched under his watch and he was also the headed the Credit Bureau Singapore – the country’s first when it started operations in 2002.
Lincoln was also the Chief Curriculu...
Innovation enthusiastic could be 2 words aligned with Silvia! At Efma, she’s Regional Manager for Iberia, Africa and Latam, Innovation Program Manager and Council Manager for Affluent’s/Private Banking and Insurance.
She has more than 20 year’s experience of professional experience in banking and insurance, in particular in the areas of retail and private banking, online and offline marketing, omnichannel management and innovation. She is committed to promoting innovation, with a focus on customer experience and employee experience, and corporate transformation.
She still works as a consultant to banks and other companies.
She’s also co-founder of a 2 adolescent family and is engaged with social causes to promote Women’s empowerment in ...
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