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Customer growth guru. Leader and adviser for revenue growth though digital and cultural transformations. Globally renown expert on customer experience, customer profitability, econometrics, customer strategy, marketing technology, CRM and disruptive technology. 

Recent 3 yrs: FinTech innovation, strategy for major financial services companies and US agencies. 3 market changing, award winning solutions from concept to  dominance. Mobile first, agile, digital design. Rolling out  new, IoT solution leveraging  embedded ai, smart contract, ER (enhanced Reality) and block chain modular components to create ecosystem platform.