Michal Panowicz rejoined Boston Consulting Group in 2018 as director of the Technology Advantage practice in London. He works with top global clients in scoping, incubating, running, launching, and commercializing major digital transformations. Michal is a leader in digital financial services and digital transformation. His current interests lean toward digital sales, personalization, and building digital challenger banks.

Michal has successfully built and commercialized disruptive innovations across more than 12 key areas of digital transformation: machine learning and big data, mobile and online banking, digital payments, alternative consumer credit models, agile culture and collaboration methods, video banking, real time CRM and analytics, digital governance and organization structure, modern IT governance and portfolio management, digital insurance, and personal financial management.

Michal began his professional career for BCG in Warsaw as a senior consultant for the financial services team until 2004. Before returning to BCG, he worked for eBay’s corporate strategy group in San Jose, CA, as well as Microsoft’s worldwide licensing and pricing, and corporate strategy teams in Redmond, WA.


  • MBA, Harvard Business School, specializing in technology and innovation management
  • MA, finance and banking, Warsaw School of Economics.


  • Personality of the Year on the European Digital Banking Power 50 list, Retail Banker International and The Digital Banking Club, 2015, London
  • Celent Model Bank 2015: Digital Insurance, Celent/Oliver Wyman Group, New York (multiple years)
  • Finovate Europe: Digital Branch, Finovate, London (multiple years)
  • Efma Innovation Awards: Most Disruptive Innovation, Most Promising Idea, Every Day Banking, Efma and Accenture, Barcelona (multiple years)
  • BAI Innovation Award 2014: Channel Innovation, Bank Administration Institute, Chicago
  • Global Finance: Best Digital Bank, Global Finance Magazine, New York, 2013