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Forging your own challenger bank

Publish date: 11 June 2021
At Efma we wanted to further examine how a number of traditional banks have responded to new competitors by creating their own challenger bank. We did this with this series of interviews exclusively reserved for Efma members.
EVO Banco
Eduardo Ozaita is the CEO of EVO Banco, the Spanish neobank. He discusses how his company is expanding what people can expect from their financial partner.

Marie Degrand-Guillaud, Director General of NiCKEL, discusses the origins of the French neobank and its grand European ambitions in the coming years.

Begoña Martinez, Head of Pibank (Banco Pichincha group), discusses how her challenger bank is “digital in service and personal on advisory.”

The Colombian neobank is blazing its own digital path as the first neobank in the country. Andres Vasquez Echeverri, CEO of Nequi by Bancolombia, spoke with us about his bank’s successes so far.

Thitiporn Sirisrisakunchai, Head of Innovative Business Management, and Supaneewan Chutrakul, First Senior Vice President - Retail Business Division at Kasikornbank, explain why their joint venture with the social media company LINE has been such an incredible success.

Ma French Bank
Alice Holzman, CEO at Ma French Bank, describes how the neobank complements its parent bank and offers 100% autonomy for its digitally-focused customers.

Irwan Tisnabudi, Head of Digital Banking at P.T. Bank BTPN, talks about digitally-savvy customers in Indonesia and how it’s an environment ripe for disruption.

Michal Kissos Hertzog, CEO of Pepper, Bank Leumi’s digital bank, discusses how the Israeli innovator keeps exceeding their goals year after year, all while putting data to use for their customers.

Leonardo Koesmanto, Managing Director, Head of Digital Banking, PT Bank DBS Indonesia, chronicles his bank’s efforts to democratize access to digital banking and wealth management tools.

Olusegun Adeniyi, Chief Digital Officer for Wema Bank, spoke with Efma about his bank’s grand ambitions in Africa.

TNEX has just launched in Vietnam! Bryan Carroll, their Chief Executive Officer, took some time out of his busy schedule to tell Efma about his bank’s ambitious aims as the country’s first digital-only bank.

Discovery Bank
Akash Dowra, Head of Technical Marketing and Client Insight at Discovery Bank, outlines how the insurance’s company’s focus on wellness has been a leading light in their neobank’s development.

Paolo Eugenio J. Baltao, EON Banking Group Head, explains how their challenger bank is serving as a “breakout” ground for new digital offerings in the Philippines.

au Jibun Bank
Chisato Nakamura, Manager of the Innovation Division, au Jibun Bank, talks about how the bank is using AI to continue its history of innovating for Japanese customers.

Nikoloz Kurdiani, Deputy CEO at Space, explains how their core rules of simplicity and transparency are driving the bank to create an enjoyable digital experience in Georgia.

Ricardo Campos, CEO of ActivoBank, describes how the bank trailblazed a path in Portugal as the country’s first digital bank.

Benjamí Puigdevall, CEO of imagin, chronicles his bank’s successful journey as the first mobile-only bank in Spain.

Tiago Nunes Nicolaidis, Digital Transformation Leader at Sicredi, discusses how they have used continual customer input to fine tune their digital offering.

Deniz Güven, CEO of Mox Bank Limited, explains how they are building a trust business with the future operating model in Hong Kong.

Jayesh Patel, Head of Liv., illustrates how they developed a challenger bank from a startup environment, creating a new offering that empowers millennials.

Next Bank
Jeferson Ricardo Garcia Honorato, Executive Superintendent at Next, defines how the Brazilian giant created an entirely digital experience that serves as a hub for both financial and non-financial services.

Hello bank!
Sophie Heller, Chief Operating Officer, Retail Banking & Services at BNP Paribas, discusses how the Group is targeting the next generation of customer throughout Europe.

Claudia Vassena, Head of buddybank, details how the bank has worked in close coordination with parent institution UniCredit to capitalize on digital habits of consumers in Italy.