Innovation, Payments & Digital
The ABBL believes in the ever-growing importance of technology and its innovative use in making financial institutions in Luxembourg more customer-centric, technologically advanced and highly competitive by adopting new business models and technologies.
Head of Innovation, Payments & Digital - Member of the Management Board
Ananda Kautz joined the ABBL in 2020. She is in charge of helping ABBL members achieve their digital transformation and, in the area of payments, to contribute to making Luxembourg a centre of excellence in payments.
Ananda started her career in Luxembourg in 2006 at PwC. She then joined ING Luxembourg where she developed her expertise in payments and digital tools.
Ananda holds a business degree from ESSEC (France) and Concordia University (Canada) and a Master's degree from Paris Dauphine University (France). Ananda has completed professional training in data-driven digital marketing and Agile project management.
Adviser - Payments & Digital
Bettina joined the ABBL in 2023 as a consultant in the Innovation, Payments & Digital team. She moved to Luxembourg in 1994, and has been responsible for all major back office units since 1998. Her projects have included the implementation of a digital banking system and numerous regulatory changes. She also has extensive experience of SEPA, TARGET and SWIFT, among others.
Bettina holds a BA in Modern Languages and European Studies from the University of Southampton, which she complemented with an apprenticeship in German banking.
Adviser - Innovation & Digital
Andrey joined the ABBL in 2016 as a FinTech advisor. Since February 2021, he has been an adviser on digital strategy, FinTech and innovation. Furthermore, Andrey represents the ABBL in several working groups of the European Banking Federation: Blockchain, Artificial Intelligence and Cloud.
Andrey holds a PhD in Economics, Organisation and Business Management (Ukraine) and a Master's degree in Development, Innovation and Change from the University of Bologna (Italy).
Adviser - Payments & Digital
Galina joined the ABBL in 2021 as an Adviser in the Innovation, Payments & Digital team. During the first five years of her professional career, which started in 2007 at Deloitte Luxembourg, Galina worked as an external auditor. Later, she joined the internal audit department of ING Luxembourg. In 2018, she joined the product management department, where she gained experience in customer needs. She also worked as a project manager in the Wholesale Banking team, including physical and virtual cash management, e-signature, platforms and payment channels.
Galina holds a master degree from SKEMA Business School and the University of Lille. She is also a chartered accountant in Luxembourg (réviseur d'entreprises) and a certified internal auditor.
Head of Information Technology
Carlo Fonseca is responsible for the IT department of the House of Finance. Carlo ensures the smooth running of IT support, including server maintenance, installation and updating of new machines and programmes and assistance to House of Finance employees. He is also the technical leader on IT projects.
David De Oliveira joined the ABBL in 2021 as an IT specialist. He is in charge of IT support for the House of Finance. David is responsible for server maintenance, installing and updating new machines and programs, and providing support to House of Finance employees.
Cédric Fonseca joined the ABBL in 2021 as an IT specialist. He is in charge of IT support for the House of Finance. Cédric is responsible for server maintenance, installing and updating new machines and programs, and providing support to House of Finance employees.