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Clifford Mutibvu CDFP (AIBZ) is an experienced banking professional with a robust background in digital banking and card services. Currently serving as Head of Digital Banking and Head of Card & E-Banking at Nedbank Zimbabwe Limited since December 2016, Clifford previously held various roles at CBZ Bank Limited from March 2001 to November 2016, including Merchant Services Consultant and Analyst. Clifford holds a Master of Business Administration (M.B.A.) in Corporate Entrepreneurship & Business Performance from the University of Gloucestershire, a Bachelor's Degree in Economics from the University of South Africa/Universiteit van Suid-Afrika, and an Executive Certificate in Credit Management from the University of Zimbabwe.