The Innovation Circle is a select panel of distinguished judges and advisors from around the world, who are at the forefront of innovation. Together, they will identify potential Award nominees, review applications and finally, select the category finalists and winners. The Innovation Circle regards all applications, finalists and award winners with respect and confidentiality.

Representing the Americas:

Debbie_circle_bwDeborah Bianucci, President & Chief Executive Officer, BAI

Debbie leads the BAI team in providing financial services leaders with the powerful tools, meaningful connections, and relevant content that power smart business decisions.

Debbie has been in financial services for more than 30 years, and has held senior positions with several major financial services companies, including Wells Fargo and Dean Witter Discover. With more than 20 years at BAI, Debbie is a frequent speaker at industry events, and has authored numerous books and articles on financial services topics.

Radin_Circle_BWAmy Radin, Founder, The Daily Innovator LLC

Amy Radin’s innovation expertise has developed from two vantage ponts: as a c-suite operator at brands including AXA, Citi, E*TRADE and American Express, and more recently as a startup mentor and investor, and consultant to business builders in both early stage and established enterprises.

Amy led the digital transformation of the Citi Cards franchise, then a $5BB P&L serving 100 million customers. She also served as Citi’s first Chief Innovation Officer, a role in which she piloted contactless payments in the NYC subway system and implemented the first pilot of peer-to-peer cash exchange via mobile devices, and launched a mobile-centered platform to serve clients across seven markets in Asia.

Currently, Amy works with executives to create or transform brands, defining pragmatic innovation strategies that leverage new technologies, data, and are driven by a customer-centric mindset. She is currently authoring a book on “real growth” targeting publication in 2017, and publishes on Huffington Post and other leading digital sites. She is a graduate of The Wharton School and Wesleyan University. A Brooklyn native, Amy currently resides in New Jersey with her family.

Alex_Sion_BWAlex Sion, GM, Mobile Channel, JPMorgan Chase

Alex Sion is the GM of the Mobile Channel for JP Morgan Chase and the co-founder of Moven, the world’s first mobile direct banking platform and an award winning and globally recognized fintech pioneer. He is also on the Advisory Board of Cell Trust an innovator in secure mobile messaging and an adjunct professor for Digital Marketing at Georgetown School of Continuing Studies. Alex is a recognized innovator and thought leader within the banking and financial services industry having delivered keynotes and participated on panels and many of the industry’s leading conferences and events around the world.

Guillermo_Tolosa_BWGuillermo Tolosa, CIO, Industrial and Commercial Bank of China (Argentina)

As of July 2014 Guillermo has been acting as CIO at the Industrial and Commercial Bank of China (Argentina), previously he served 6+ years as Systems Development Manager at Standard Bank Argentina and ICBC Argentina and worked for over 14 years at Accenture participating in the implementation of IT solutions for banks in the local as well as international projects. He graduated in Systems Information at CAECE University.

Representing Europe:

R.CamposRicardo Campos, Senior Director for Digital Banking, Bank Millennium S.A.

Ricardo Campos is responsible for making Bank Millennium one of the most innovative and successful digital banks in Poland and a world reference in this area.

He is a member of the Supervisory Board of the Polish Payments System, a joint venture of the six leading banks in Poland creating an innovative mobile payments system.

Ricardo is also the CEO of Goodie (, a start-up within Bank Millennium Group, focused on developing a business platform for individuals and merchants (discounts, shopping, restaurants, etc.) using innovative technologies such as Azure cloud-based solutions from Microsoft, artificial intelligence, chat-bots, beacons geo-locations and digital imagery recognition.

ed_carrell_Circle_bwEd Carrell, Managing Director, Group Innovation Head of Strategic Partnerships and Advanced Capabilities, Barclays PLC

Ed Carrell is a Managing Director in Barclays Innovation Office where he leads Strategic Partnerships and Advanced Capabilities. He is focused on driving strong connectivity with our partners as both suppliers and clients and together finding new value through innovating together. Additionally Ed maintains a broad overview on emerging new technologies and business models for the firm.

Ed has spent 17 years in Financial Services in Product, Operations, and Sales roles in Wholesale and Retail banking in the UK, Continental Europe, Africa and Asia Pacific.

Conny_D_noBorderConny Dorrestijn, CEO, Shiraz Partners

Listed on the Women in Fintech, Conny Dorrestijn has worked for over 25 years in marketing and business innovation in the international financial technology industry. Conny is one of the selection panel members of the FinTech50 and the Fintech Summit for TechTour 2016 . She is a non-executive advisory board member to AdviceRobo, Roundcube, Holland FinTech and an informal adviser to Synerscope and QiY. In 2015 she partnered with Roger Peverelli and Reggy de Feniks in the launch of the Digital Insurance Agenda, Barcelona (, which attracted over 450 insurers at its inaugural event in April 2016. She is also a regular speaker at Money2020 Europe and the American banking association BAI.

As Financial Services Associate Partner at the European Centre for the Experience and Transformation Economies she contributed to the recently published book 'Economy of Experiences': 'a boardroom agenda for survival and change'. Her passion for generation Y and Z is translated in her voluntary work as Financial Literacy Advisory Committee Member for the Global Give Back Circle in Kenya, where she is also active as a mentor for Kenyan pupils and students.

Representing the Middle East and Africa (MEA):

Vikram_Krishna_bwVikram Krishna, Head - Group Marketing and Customer Experience, Emirates NBD

As the Head of Group Marketing and Customer Experience at Emirates NBD, Vikram Krishna has the mandate to further grow the bank’s dominant market position.

Drawing on his two decades of banking experience with global leaders such as Citi and HSBC, Krishna has played a crucial role in successfully launching the Emirates NBD brand post the merger of Emirates Bank and National Bank of Dubai in 2007.

Krishna drove the bank’s Retail Assets division to greater heights when he joined the bank in 2007 to head the division, and later handpicked to lead the marketing and customer experience function three years later.

Having successfully created a leading brand in the wider Middle East region, Krishna has won several industry accolades along the way, including but not limited to, “The Marketer of the Year” at the prestigious Effie MENA Awards 2013, and “The Marketing Department of the Year” at Stevies® in 2011.

Krishna was also listed in Communicate magazine’s Top 50 Power List for 2011 and 2012, further establishing his position as a thought leader in the UAE’s marketing and customer experience industry.

Paul_Circle_bwPaul Steenkamp, Founder, I am Jack Frost

Paul helps create an entrepreneurial mindset in organizations looking to deliver continuous innovations that customers love and are willing to pay for. Paul lead the innovation programme at First National Bank when FNB was crowned the BAI Most Innovative Bank of the Year in 2012. More recently, he has helped Standard Bank build their innovation capability. Paul has 20 years of organizational design and development experience, holds a MBA (Innovation Management) from Henely Business School, and Honours in Organizational Psychology.

He is founder of I am Jack Frost (

Representing Asia-Pacific (APAC):  

Sandeep_Deobhakta_noBorderSandeep Deobhakta, Division Head - Head of Retail Banking, VP Bank

Sandeep is the Head of Retail Banking at VP Bank. VP Bank has ambitious plans to be one of the top 3 retail banks in Vietnam through rapid growth and transformation. Sandeep joined VP Bank in May 2015. Prior to his current role, Sandeep has lived and worked in many other countries in Asia, the Middle East, Africa and the US.

His prior roles include consumer banking, wealth management and transformation roles at various international financial institutions starting with Citibank, Standard Bank, Barclays and AIA Group. He was also the Head of Retail at Shinsei Bank in Japan. Shinsei Bank was one of the earliest, digitally enabled banks in Japan and was launched in 2001 and has consistently been rated in the top 3 banks in Japan for customer service.

Sandeep is a keen observer and commentator on financial services and believes that financial services must work harder to improve the customer experience and the service and contribution to the customer and the community. He believes that digital is a huge enabler for building simpler, better and faster products & services and the use of tools like HCD [Human Centered Design] to achieve this. For more information on his blogs, view Three Words to Help Maximize Your Digital Banking ROI or Insurers Investing in Technology Innovation Improves Asia.

Sandeep is a Sloan Fellow and has an MBA from MIT [Massachusetts Institute of Technology], Sloan School of Management.

Adrian Li_BW_CircleAdrian Li, Executive Director & Deputy Chief Executive, The Bank of East Asia

Adrian Li is Executive Director & Deputy Chief Executive of The Bank of East Asia (BEA) and is responsible for the group’s business in its home market of Hong Kong. BEA is Hong Kong’s largest independent local bank, and operates one of the most extensive networks among foreign banks in mainland China, where it has had an operational presence since 1920.

Mr. Li joined BEA in 2000 as head of corporate banking. He was promoted to deputy chief executive in 2009, and was appointed executive director in 2014. During his tenure, he has driven an evolution of the bank’s business model, prioritizing the use of technology to improve service, convenience and efficiency and thereby enhance the customer experience. He is pursuing a fundamental overhaul of the role of the branch, and has led the internal development of key innovations, including the bank’s award-winning i-Teller and digital branch. He believes that innovation enables us to turn the challenges of today into the opportunities of tomorrow.

Mr. Li holds a Master of Management degree from Kellogg School of Management, Northwestern University in the US, and Master of Arts and Bachelor of Arts degrees in Law from the University of Cambridge in Britain. He is a member of The Law Society of England and Wales, and The Law Society of Hong Kong.

Steve_Monaghan_circle_bwSteve Monaghan, Chief Investment & Innovation Officer, Gen.Life Limited

Steve Monaghan is Chairman, Chief Investment and Innovation Officer for Gen.Life, a Limited Partner and investment committee member in True Global Ventures, Vice Chairman of Borderless Healthcare Mobile China, Co-Chairman of HK HealthTech Association, a Board Member of Proximiti and a private investor in Artificial Intelligence, Life Sciences, Healthtech and Fintech.

Originally a commercial pilot, Steve has held senior corporate and banking roles in product, marketing, operations, innovation and general management. He has worked for leading corporations and financial institutions including Dell, Compaq, Citigroup, OCBC, Shinsei, DBS Bank and AIA. Throughout his career, Steve has specialized in introducing new business models, businesses and products in all major markets in Asia and has filed 6 patents in FinTech.

Steve was on the startup team for Dell Computer, introducing Dell’s consumer business to Asia. Later he developed and executed the branded manufacturing and retail model catapulting Compaq to number one in the Indian consumer market. In banking Steve developed and patented the first mobile payments platform for Citigroup, developed a Consumer Finance Division for OCBC and lead the retail bank turnaround of Shinsei Bank in Japan growing revenues USD$500M, deposits 25% and improving net income by USD$100M during a 9 month transformation. As Chief Innovation Officer for DBS Bank, Steve drove the innovation agenda focused on Intelligence, Big Data and Social culminating in the $220+M investment of DBS in IBM Watson, DBS A*Star R&D Lab and Digital Banking.

At AIA Steve and the Edge team built Asia and Oceania's leading corporate Accelerator, became the first Insurance company to join R3 blockchain consortium, pioneered Digital Health in Asia and initiated the company's journey into Artificial Intelligence. Steve created Gen.Life, a Silicon Valley based startup in which AIA became the lead investor, to create an R&D capability for Insurers around the world in Artifical Intelligence and Blockchain. He remains an Advisor to AIA for Innovation.

Steve is a frequent presenter, author and lecturer around the world on subjects including innovation, banking, insurance, working capital, M&A, artificial intelligence and investing. He currently serves on the advisory boards of Intel and Veritas Genetics. Steve holds an EMBA with ‘first in class academic standing’ from the Helsinki School of Economics and has attended senior leadership courses at IMD and Wharton.

Hemangi_Pathrabe_circle_bwHemangi Pathrabe, India Lead for Client Business Engagement, Active.AI

Hemangi Pathrabe has a strong background in innovative product design and management, business development and strategy across the payments industry. She has been a major contributor for award-winning and socially impactful projects like YES MONEY, which is a perfect blend of technology, the distribution network and payments.

As a part of a FinTech initiatives program, she guides and mentors startups on critical regulatory guidelines/frameworks/solutions, thus fast-tracking their journey towards launch. Hemangi recently joined Active.AI to solution Artificial Intelligence (A.I.) in financial services. Hemangi was recently featured in FinTech Asia’s Top 100 2016 as an industry executive for her work at YES Bank. She represented the bank at leading industry forums and has worked closely with ecosystem players like NPCI, iSpirit, Product nation / India Stack team, large startup enablers like tHub, Nasscom, and other VC firms.

Program Advisors:

Calman_Circle_BWMatt Calman, Managing Director, IOP, Microsoft Corporation

Matt Calman helps lead the Innovation Outreach Program (IOP), a member-led community of innovation and R&D executive leaders from the world's largest enterprises. Together they explore the impact of technical disruptions and seek collaborative solutions to shared problems.

He has spent over 25 years at Bank of America and led two innovation platforms there: the Gateway Innovation Lab and the Center for Future Banking at the MIT Media Lab. Together with customers and clients they developed forerunners of next-gen digital banking experiences. Calman is a named inventor on 80 issued U.S. patents in mobile payments, identity and privacy, image and video processing, location-based services, fraud prevention, and payment processing.

Miranda_Hill_Circle_bwMiranda Hill, Director of Commerce Strategy and Digital Innovation, ThoughtWorks

Miranda Hill is a Director of Commerce Strategy and Digital Innovation at Thoughtworks where she provides insights into evolving trends that are disrupting industries ranging from retail, financial services, airlines, among others. Previously, she managed the Wells Fargo Digital Innovation Lab where she built a core competency around customer-centric test and learn capabilities. She was listed as an Innovator to Watch by Bank Innovation in 2014 based on the discipline she developed around a methodical rollout of innovation through the lens of an innovation agenda.