Niraj Singhal is Vice President and Head of International Banking Practice at NTT DATA Services. In his IT career spanning over two decades, Niraj has advised leading financial institutions on digital strategy and is a regular speaker at various Industry forums, including, SIBOS, EBA Day, and CEB Technology Conference. He also works with leading Industry Analysts to advise on strategic imperatives for banks as they grapple with pressures of cost, compliance and customer retention. Niraj has extensive global experience in consulting across financial institutions, predominantly in the areas of digital banking, payments modernization, risk and compliance, process re-invention and banking industrialization. He previously held leadership positions within the TATA group, wherein he worked as a strategy consultant, with experience across diverse group companies.