Harris Mygdalis, as the Chief Information & Digital Officer of CrediaBank, is responsible for designing and implementing the Information Technology and Security as well as Data and Digital Banking Strategy. He started his career at Eurobank Group in 1994, serving several key positions in the IT Unit, amongst which, the position of the CIO of Postbank (Eurobank’s subsidiary in Bulgaria). He continued his professional journey at the Commercial Bank of Qatar, as the Head of Enterprise Analytics and IT Operations, and then as the DCIO and Transformation Program various Streams’ Leader, for the Commercial Bank of Dubai. Through these positions, he led the transformation of the respective organizations, by establishing innovative technologies, services, and products. In 2018, he rejoined Eurobank Group, initially as the Head of Group IT Applications Management and International Activities, and in 2022, he assumed Group Chief Digital Officer role up to May 2025, when he joined CrediaBank. He holds an MBA from the University of Leicester and a BCs in Accounting & Management Information Systems from the University of Hertfordshire.
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 and what that means for the industry's future shape. Panellists will explore how AI and agentic banking, embedded finance, hyper-personalisation, new payment models and data-driven engagement are reshaping acquisition, distribution, loyalty and trust—and, in turn, redefining how retail banking creates value.
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?
