Marcel’s profile might not be the most common in banking. He has a degree in music as well as in business administration, and was a professional musician for 7 years before he joined SNS Bank in 2008. Within SNS Bank he was processmanager, head of the Client Integrity team and head of Productmanagement before becoming Innovation Manager, allowing him to combine his creative and analytical skills. Marcel is projectlead for the SNS Startup Synergy program which hooks up Startups with SNS Departments and he’s also involved with other innovation projects for SNS Bank. “Being able to collaborate with third parties is a Strategic Capability”