Kostas has 16 years of experience in retail banking with focus in consumer finance and cards in companies operating successfully on several South Eastern European markets. He started his career in Citibank and has held executive positions in EFG Eurobank in Romania, Bulgaria and Greece. He is highly experienced in managing deposits, investment products and transactional banking. He had a leading role in establishing and managing the Affluent Banking Division in two banks.
Kostas holds a Master’s Degree in Marketing and Business Administration from Middlesex University and a Bachelor’s degree in Applied Chemistry from Kingston University. He is also a member of the UK Royal Society of Chemistry. Kostas is passionate about jogging, hiking and tennis. He also has a strong interest in digital innovations.
Discussion Framework: As banking grows more embedded, personalised and platform-driven, competition is shifting from products and channels to ownership of the customer relationship itself. This session examines how incumbent banks, neobanks, payment networks and digital ecosystems are vying to become the customer's primary financial interface.
Central Question: In the next decade, who will own the customer relationship: the institution that holds the account, or the platform that controls the experience?
