NOVEMBER - 20225CONTENTS19More Calculated, More RelaxedIsabela IBRAIM,Director Digital Banking,OTP Bank Romania22Leveraging Technology for HolisticPayment ServicesDavid McHenry, Managing Director, Head of Global Treasury and Payments Advisory ­ EMEA, Silicon Valley Bank24Enhance Your Platform & Delight Customers with an Embedded Finance ModelChad A. Schmookler,Senior Director,International Operations,InComm27For the Incumbent Banks Phygital Must Be the New NormalSergio Magalhaes,IT Director,Millennium bcp30Revamping Banking Sector Trends through FinTechLaura Merling, Chief Transformation and Operations Officer, Arvest BankCXO INSIGHTS CXO INSIGHTS FEATURED COMPANIESHyfin18Brett Karlin, Vice PresidentTilled26Caleb Avery, CEO and FounderSOLUTIONS PROVIDERS - 2022 TOP 10PAYMENTAND CARD 23Doreen Lukandwa,VP of Global EnterprisesTOP 10BANKINGCIO'S2022HONORED BYBANKING CIO OUTLOOKPG - 32
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