About us

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

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 Berry

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.

International contacts

Eric Morin

North America

Patrick Desmarès


Philippe Van Fraechem


John Berry

United Kingdom and Ireland

George Beatty

Australia and New Zealand

George Donchenko

Russia, Belarus, Kazakhstan and Armenia

Eylem Özen Bastürk


Fahim uz Zaman

Middle East

Lukas Dzuroska

Nordics, Georgia and Baltics

Urszula Wysocka


Carlo Giugovaz

Italy and Switzerland

Tsukasa Makino

Japan and Korea

Lincoln Teo

Asia Pacific

Lubomir Olach

CEE and Germany

Silvia Cunill Calvet

Iberia, Africa and Latam

Who are the Efma members ?

Send us a message

Our Headquarters

10 Boulevard Haussmann
75009 Paris

Tel. +33 1 47 42 52 72
Fax: +33 1 47 42 56 76