- Tracy Chang
- VP, Head of Product Management and Innovation
Tracy is the Vice President, Head of Product Management and Innovation at Fidor. In this strategic role, Tracy is responsible for developing cutting-edge digital banking products and features for the millions of consumers who engage in their day-to-day banking activities via the fidorOS digital banking platform.
Tracy’s role in directing design and bringing innovative products to market has resulted in improved and hyper-personalised customer experiences. Keeping relevant banking services, superior customer experience and new technologies in-mind, Tracy brings award-winning products to life while maintaining a long-term strategic vision for partnerships with global institutions, as well as up and coming fintechs.
Her most recent achievements include numerous innovative, high-profile products in lifestyle banking, personal dashboard, chatbot with AI machine learning and instant payments. She also strategically turned regulatory standards such as open banking, PSD2 and GDPR into new features and products that drive direct ROI. Tracy is a thought leader and regular speaker at conferences.
As an entrepreneur with deep banking technology background, Tracy’s career has taken her from banking software implementation and client consulting to product conception and development solving challenging problems in a dynamic and highly competitive environment. Before leading Fidor’s product management, Tracy was responsible for integration services, which dedicates to implementing fidorOS for building digital banks, including Fidor Bank UK, o2 banking by Telefonica, Van Lanschot Bank Netherlands or Abu Dhabi Islamic Bank’s newest UAE brand Moneysmart. Prior to joining Fidor, Tracy worked in Taiwan for Standard Chartered Bank, ANZ and CTBC Bank.