Thomas Winandy is Head of Mobile Banking at Commerzbank. Commerzbank has 8 million private banking customers in Germany and offers about 1000 branches. In his role, he is responsible for developing the Mobile Banking App strategy, within Commerzbank’s Multichannel approach. He is leading a team of 30 specialists in Frankfurt and Berlin, developing the mobile banking app. The app reached the highest app store ratings and 44 % growth of active app users last year. Thomas Winandy was employed with Targobank (former Citibank) and Barclaycard Barclays Bank before he joined Commerzbank and brings 14 years of experience as a self-employed digital consultant. Besides his work, he is a keynote speaker and shares his digital banking vision with other retail banks and fintechs at global conferences.