For the past 35 years, Retail Banker International (RBI) has been the only global editorially independent retail banking briefing service.

RBI is an essential resource for C- level executives in retail banking and consumer finance, providing subscribers with vital coverage across key subject areas: product innovation, distribution channels, leadership strategy, regulation and marketing.

RBI’s recently re-launched website, daily email news service and monthly print and pdf editions deliver comprehensive coverage of the global retail banking sector through news analysis, expert comment, interviews, case studies, international conference reports and key data.

RBI’s global subscriber base incorporates leading banks, consultancies, regulators and technology providers such as MUFG, DBS, RBC, RBS, BNP, Deloitte, Fiserv and FICO.

Editorial Board

Michael Allen

CEO Allen International

Michael Allen is the founder and CEO of strategic design company, Allen International. Allen International has been in business for 20 years, working with five of the world’s top ten banks across five continents; it produces proprietary products including Kit of Parts, ABC-D retail communications, Brand DNA, Retail Academy and Multi-Sensory Branding. Michael’s specialties include strategy, branding, communications, retail design, layout planning, 3D modeling, profile drawings, implementation and design standards manuals.

Suvo Sarkar

Senior Executive Vice President, Head Of Retail Banking And Wealth Management At Emirates NBD

Having worked as a consumer banking professional for 25 years, Suvo Sarkar is currently responsible for the retail banking and consumer finance businesses for Emirates NBD, where he has been working since 2010. He has previously worked for the National Bank of Dubai as Head of Retail Banking and spent over 18 years with Citibank, ANZ Grindlays and Standard Chartered. He also has a degree in engineering and is an MBA gold medalist from the Indian Institute of Management. He is currently an advisor to Abu Dhabi University.

Pierre Habis

Senior Executive Vice President at Union Bank

Pierre Habis serves as the senior executive vice president and community banking group head at US based Union Bank. Having worked in the role for the last six years he is responsible for a large proportion of retail banking at Union Bank. He previous worked as managing director for retail at Countrywide Bank, a role he moved into after working in senior roles at Wells Fargo for 14 years. Habis received an MBA from Chapman University and his bachelors degree from University of Southern California.

Winston Kassim

Consultant, Special Projects, Office of The CEO Royal Bank of Canada

Winston Kassim has more than 35 years of banking experience, the last 10 with executive responsibility for Strategy and Strategic Performance Management at RBC’s Personal & Commercial Banking division. His previous management roles have ranged from Operations to Commercial, Private and Retail Banking. After retiring in December 2015, he began consulting with RBC on special strategic projects with the Office of the CEO. Winston has an MBA, is an accredited board director, and is a Member of the Order of Canada.

David Arnott

CEO Temenos

David Arnott has been CEO of Temenos since July 2012, previously serving as Chief Financial Officer for the company. Prior to joining the Group, David worked as Chief Financial Officer of Société Européenne de Communication in Luxembourg and has held a number of senior finance positions within the Anglo American group. David qualified as a chartered accountant with Deloitte. In the fourteen years since David joined Temenos, the Group has grown from 300 employees to more than 4,000, over 2,000 customers and to nearly $500m in annual revenues - establishing it as a global leader in banking software.

Sanjoy Sen

Managing Director of Retail Banking Asia Pacific ANZ

As Director, Retail Banking Asia Pacific for ANZ, he is responsible for leading and building ANZ's Retail Business across 21 countries in Asia and the Pacific. He joined ANZ from Citigroup, where he held senior leadership roles spanning business management, sales, marketing, and credit and risk. He has experience in M&A execution and integration, specific to retail banking. He was most recently Managing Director & Consumer Bank Head for the Middle East, Pakistan & North Africa for Citi. Prior to that, he was the Chief Operating Officer and Retail Banking Head for Citibank in China.

Simon Cadbury

Director of Strategy and Innovation, Intelligent Environments

Cadbury is a product marketer and strategist with 18 years’ experience working for a range of major international brands. Cadbury’s role is to work with Intelligent Environments’ investors to set and deliver the company’s mid- and long-term strategy, as well as overall responsibility for product development and management for Interact, the company’s core product offering. Cadbury joined in 2013 from Lloyds Banking Group where he was responsible for payment technology, and also sat on the credit card division’s leadership team. Prior to this he worked on the launches of a number of firsts in new technology: the Blackberry (BT Cellnet), BT Openzone (BT Retail), 3G Live! (Vodafone Australia) and Sky HD (BSKYB).

David Parker

CEO, Polymath Consulting

Parker is founder and CEO of Polymath Consulting, which has now delivered over 50 projects for clients in prepaid cards and emerging payments. The company’s current work includes projects in the Middle East, US, Asia, Africa and Europe. Parker has an in-depth knowledge of payments and payment cards and is known for his work with prepaid cards, mobile money/mobile wallets and M-pos. Parker has previously worked for companies such as the Gaming Bourse, the Pepper Corporation and Saatchi & Saatchi (Saudi Arabia).