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Andrzej Pyka is a seasoned executive specializing in digital transformation and financial services, currently serving as the Chief Transformation Officer at Santander Bank Polska since March 2017, focusing on digitization, agile transformation, open banking, and customer experience. Prior to this role, Andrzej held significant positions at Atos, including Head of Financial Services Market in CEE and Head of Consulting and Systems Integration in Poland, overseeing the delivery of consulting and systems integration services in the financial sector. Andrzej's career also includes a tenure as Business Transformation Director at PZU, where responsibilities included leading a major IT system transformation project, and extensive experience at Accenture in various executive capacities focused on systems implementation and consulting in the financial services industry. Educational qualifications include an Advanced Management Programme from IESE Business School and advanced degrees in Electronics and telecommunications from Wrocław University of Science and Technology and the University of Nottingham.