Dr. Marcin Kotarba has spent more than two decades focused on retail banking, primarily driving the development of digital channels and innovative forms of customer interaction. Operating at the intersection of strategy, business and technology, his experience spans the full technology management lifecycle, from ideation and product development to operations, continuous improvement and portfolio management. He is currently responsible for managing the Online and Mobile channels for several Deutsche Bank brands, serving 10 million users with daily access to financial services. His current focus includes the development of Conversational AI as a natural extension of the channel architecture, with significant potential to increase value for clients. His academic and scientific work focuses on the digitalisation of business models and the transformative impact of technology on organisations, industries and society. He is passionate about building high-performing teams grounded in agile planning, data-driven decision-making and rigorous business case evaluation.