Ugo Cotroneo is Partner and Managing Director of the Milan office of The Boston Consulting Group where he is specialized in Financial Institutions especially in Retail Banking and Insurance. He is currently in charge of Practice Digital IGT (Italy, Greece, Turkey) and of Practice Strategy. He is part of the Global team Digital Banking Initiative of BCG and he is head of a permanent observatory of Fintech Innovation. In BCG he worked for major Italian and international banking and insurance groups. In particular he gained experience on issues of strategy, digital innovation, innovation and restructuring business portfolios, analysis of distribution channels, marketing strategies and sales processes of sales force effectiveness, organizational transformation and operational processes.