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Franjo Bartol is an experienced professional in the banking and digital products sector, currently serving as the Deputy Director of Card Business at Hrvatska poštanska banka, d.d. since July 2023. Previously, Franjo held the position of Head of Digital Products and Innovations at Nova hrvatska banka from March 2022 to July 2023. Franjo's extensive career at Sberbank d.d. Croatia spanned from January 2010 to March 2022, where key roles included leading an Agile team for digital transformation and directing the Digital Banking and Card Business Department. Franjo's earlier experience includes positions at Volksbank d.d. and roles in technical maintenance and IT system administration, complemented by degrees in Information Systems and Computer Networks from Polytechnic of Zagreb and the University of Split, respectively.