Michael set up Form3 after spending more than 25 years in various management positions with Deutsche Bank, Royal Bank of Scotland and Barclays. Most recently, he was Global Head of Cash Management and a Member of the Corporate Banking Executive at Barclays, where he had responsibility for the product management and distribution of the bank’s payment, corporate deposit and customer access products.

For many years Michael has been passionate about driving digital change and innovation in global banks and has sponsored many key initiatives in this area, including white-labelling, biometric security, mobile payments (Pingit) and portal and mobile banking technology. More recently he has been actively involved in industry-level discussions about central bank digital currencies and the application of distributed ledger technology in financial services. Michael holds a degree in Organizational Psychology and a Master of Business Administration from INSEAD.