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Ronit Ghose is the lead author of Citi’s GPS Bank of the Future and FinTech report series—the first edition has had c300,000 downloads, making it the most read report ever published by Citi and one of the most read fintech reports ever. Since joining Citi in 1997, Ronit has covered banks in the Americas, Asia and EMEA. He is Global Sector Head for Banks and Co-Head of the Fintech Theme Group in Citi Research. He is also an Advisory Board Member at the Centre for Finance, Technology, and Entrepreneurship. Ronit has an undergraduate degree from the University of Oxford, a postgraduate diploma from the University of London and is a CFA Charterholder.