Michal Panowicz is a highly accomplished executive leader in the field of digital transformation of finance, renowned for his visioning, development, marketing, and monetizing of omni-channel in banking and insurance. He has garnered global recognition from thirteen innovation awards and achieved outstanding business results in customer acquisition, experience, and cross-selling. Michal has exceptional expertise in delivering against targets and budgets across product P&Ls, direct channels, marketing, branding, and IT. He is an expert in building and leading high-performing teams of 450+ FTEs in complex global and multicultural organizations.

Michal has completed an MBA from the Harvard Business School and an MA in Finance and Banking from SGH Warsaw School of Economics. His rich and diverse professional experience includes serving as the Managing Director and Partner at Boston Consulting Group (BCG), Director - Technology Advantage Practice Area at BCG, Chief Product and Information Officer at Kreditech Holding SSL GmbH, SVP & Deputy Head of Digital Banking at Nordea, Managing Director - Products, Digital & Marketing at mBank S.A., Sr. Director, Project New mBank/Client Lab at mBank S.A., Chief of Staff, Worldwide Licensing and Pricing at Microsoft, and Independent Director, Board of Directors (Supervisory Board) at Alior Bank. He has also served as Group Manager, Corporate Strategy at Microsoft, Strategy Manager (Summer Internship), Corporate Strategy Group at eBay Inc., and Teaching Assistant, Department of Social Insurance at Warsaw School of Economics, and Senior Consultant at The Boston Consulting Group.