Michael Widowitz is an expert in the application of artificial intelligence, advanced analytics, and big data in financial institutions. He is a core member of the Financial Institutions practice at Boston Consulting Group and a member of BCG GAMMA, the firm’s advanced analytics and data science unit. In his recent client engagements, Michael has developed, tested, and executed a series of use cases in the industry, proving the value of combining human and machine intelligence with business judgment and detailed process understanding.

Michael is passionate about driving advanced analytics in modern banking and believes it is most effective when modern technology becomes deeply ingrained into business processes—from automated risk monitoring and credit decision-making to treasury cash flow optimization and personalized offer selection. He joined BCG in 2002.


  • Analytics and AI in financial services
  • Personalization in banking
  • Pricing differentiation
  • Automated risk monitoring
  • Credit risk decision making
  • Propensity modeling


  • Economics degree, University of Economics and Business Administration, Vienna
Tiefgreifende Expertise, umfassende Erfahrung