Jessica Niewierra is Director of Internet & Mobile Banking at ABN AMRO. She is responsible for strategy, development and the operation of ABN AMRO's internet activities, including www.abnamro.nl, Internet Banking, social media and mobile banking. She is also member of the Supervisory Board of Yarden Holding and Yarden Insurances. Prior to this, she was Director of Distribution Management and Direct Channels at Fortis Retail Banking in the Netherlands. In that capacity she was responsible for the distribution policy and strategy and for the bank’s internet activities and contact centres. Jessica regularly gives presentations at national and international conferences on Digital Innovation, Multi-Access Management and Customer Experience and has featured in various articles on these topics. She is also an occasional guest speaker, teaching master classes on these topics at Nyenrode Business University, Erasmus University, the University of Amsterdam and the Master's Programme in Customer Management at the Philipse Business School. Jessica is chairman of the EFMA Mobile Banking Advisory Council (MBAC).