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Stefan Lutz has over two decades of experience in marketing and media roles at Stadtsparkasse München, starting in 1997 as a Fachreferent Vertriebsmanagement and progressing to the position of Leiter Marketing und Media from 2001 to the present. In this role, Stefan is responsible for the customer service center, electronic banking consulting, and internet business. Prior to their tenure at Stadtsparkasse München, Stefan gained initial experience in electronic media and marketing from 1992 to 1996 in various companies. Additionally, Stefan served as a scientific staff member at Universität Augsburg while earning a Diplom Ökonom degree in economic sciences from the same institution, completing studies in 1992.