Xavier has more than 20 years of experience in Financial Services, having held management positions in Strategy Consulting, Digital Banking, Digital Insurance, InsurTech and now Fintech. After his MBA at IESE Business School in Barcelona, Xavier worked as a Management Consultant at AT Kearney and Accenture, running Financial Servicesprojects in Spain, UK, US and LATAM. These were the times of the dot-com boom and Xavier jumped into the start-up of the standalone online bank of BBVA. He was responsible for Strategy and Business Intelligence, in the early days of data analytics. After the bubble burst, he shifted to Insurance and launched the subsidiary of a Danish InsurTech company. He successfully introduced the concept of replacement in the claims management process in Spain, and managed the company for 10 years. In addition, he worked as the Digital Director of a direct health insurer, in charge of customer acquisition, customer experience and eHealth business development. Xavier moved to Singapore 2 years ago. He is leading the development of Strands in APAC, contributing to the necessary cooperation between Fintech and leading Banks in the Region.