Universal banks win with diverse customer bases, owning the moments that change lives and balance sheets. We explore how to turn this advantage into a scalable, data driven capability with CRM, Mobile and AI agents—creating a new, bank wide growth engine.

Karoly helps incumbent banks compete with neobanks like Revolut by breaking down barriers to change. He simplifies IT architecture and operating models, and accelerates digital and AI transformation. His expertise lies in integrating channels - digital, human, and artificial intelligence - to create seamless omnichannel customer experiences. He builds movements for change within complex organisations, turning ambition into action.