Our contributors

Yair Grossman
Israel Discount Bank
Head of Customer Experience and Banking Excellence
Tamas Grunzweig
Finastra
Head of Digital Innovation Labs
Tonko Fran Grzan
Erste Group Bank
Head of Retail Bancassurance Department
Krzysztof Grzeszczuk
Alior Bank
Digital Banking Projects Director
Carlo Gualandri
Soldo
CEO
Giorgio Guardigli
CheBanca!
Head of Digital and Acquisition Marketing
Philip Gudgeon
Oliver Wyman
Market Leader and General Director, Russia
Einar Gudmundsson
Arion Bank
Corporate Development Entrepreneur - CEO Office
Raffaele Guerra
Capgemini
Insurance Market Director
Jean Pierre Guiard
Generali France
Directeur en charge des Opérations d'Assurances Biens et Santé
Sophie Guibaud
Fidor Bank UK
Managing Director Europe
Nicolas Guillaume
Chappuis Halder
Senior Manager
Olivier Guillaumond
ING Bank
Global Head of Innovation Labs and Fintechs
Ewelina Gulbinowicz
Alior Bank
Brand Manager
Robert Gullander
Swedbank
Senior Innovation Manager, Digital Banking
Kristin Gulliksson
Svenska Handelsbanken
Vice President Digitalization and Innovation
Mikael Gummerus
Frosmo
CEO and Founder
Tolga Gunes
Aksigorta
Head of Bancassurance
Hüsnü Mete Günes
Isbank
Head of Digital Banking Division
Deniz Guney
Fibabanka
Director of Marketing Communications, Customer Experience and Digital Banking
Valur Thor Gunnarsson
Islandsbanki
Development Manager, Online Banking and Communications
Cenk Kaan Gür
Akbank
Executive Vice President of Commercial Banking Business Unit
Tomer Guriel
EZBob
Co-founder and Chief Executive Officer
Hannes Gürtl
Vienna Insurance Group - VIG
Head of Bancassurance in Southeastern Europe
Joeri Gussé
ING Bank
Head of Retail Transformation
Deniz Güven
Standard Chartered Hong Kong
CEO of Mox Bank Limited
Marta Guzek
Google
Industry Head
Gábor Győrfi
Loxon Solutions
Regional Sales Director
Péter Haás
OTP Bank
Executive Director, head of private banking and wealth management
Eran Habets
ABN AMRO Bank
Managing Director, MeesPierson
Pierre Hacquet
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Efma Vice President & Treasurer
Alain Hade
Desjardins Assurances Générales
Premier vice-président Développement des affaires, Ventes et Serviceàla clientèle
Stefan Haebich
George Labs
Managing Director
Sarah Häger
Nordea Bank (Sweden)
Head of Open Banking Community
Farah Haidar
Blom Bank
Head of Retail Planning, Retail Banking
Ewelina Hajdukiewicz
Santander Polska
Director of CRM Department
Asmae Hajjami
Société Générale Maroc
Deputy General Manager
Peter Hajko
Poštová Banka
member of the Board of Directors responsible for all Business units & Sales
Recep Haki
Isbank
Consumer Loans Division Head
Kristian Hall
Finalta
Director of Insurance Practice
Chris Hallmark
OEE Consulting
Account Director
Béatrice Hallouët
Crédit Agricole S.A.
Marketing Manager Retail Banking International
Nathalie Hamamji
Bank Audi
Deputy Head of Branch Network Management
Philippe Hamel
ZTO Technology
President & Founder
Flora Hamilton
Confederation of British Industry
Assistant Director
Andras Hamori
ABH Holdings S.A.
Head of Retail Business
Lorenz Hänggi
AXA Winterthur
Head Innovation Engineering, AXAnaut
Stéphane Hannache
BPCE
Digital Ecosystem Partnerships Manager
David Hannan
CR2
Pre Sales Consultant
Parvis Hanson
KOBIL Systems
Country Manager - Switzerland

Contributors

Each year, Efma holds a series of stimulating and thought-provoking international conferences. Each conference includes an overview of industry best practices in a particular aspect of retail banking, insurance or finance. It also explores some of the key issues facing the industry at the moment. These events attract a wide selection of international speakers from financial institutions willing to exchange views with the financial community. Leading industry experts from many different disciplines are also invited to present their reports published in partnership with Efma.

We warmly thank our authors who reveal their involvement in the Association through articles, interviews or organization of round tables.

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