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Experience. Craftsmanship. 100% Banking.

We are a growing team of banking experts. All of us have substantial experience in working or consulting for some of the biggest franchises in retail banking. In brief, we've been there before and we speak the language. The Retail Bankers' team is focused on helping you build competitive advantage.

Based in Barcelona, with full European reach. 

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Ramiro Sanchez-Crespo

Executive Managing Director

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Ramiro has 20y experience in developing profitable retail banking relationships with customers through digital.

Ramiro and his team have redefined every aspect of retail banking networks: Channels, technologies, pricing and cost structures...

He believes in the power of technology to improve people's lives, and in order to achieve that he builds teams that drive change & growth.

In his 15 years at CaixaBank Ramiro directed its digital channels with remarkable success and accolades. His team was instrumental in the consecution of the following awards: 

  • Euromoney- Best retail bank for technology innovation, 2012 & 2013,

  • BAI-Finacle’s Global banking innovation Awards 2011 & 2013,

  • The Private Banker’s Most innovative business model 2012,

  • The global association of contact centers’ 2013 Gold award as Best Customer service & Silver award for Best self service technology.

As Managing Director of Spain, he has led the rapid introduction and 5x growth YoY of Cardtronics into the Spanish market.

Expert in corporate entrepreneurship.

Founder of several start ups in the technology spectrum.

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