Reinhard Höll is a partner at McKinsey & Co, Germany. He focuses on financial services supporting payments specialists, fintechs, banks and private equity players across strategy, digital and organizational issues. He is a leader of McKinsey Payments & FinTech practice and has published across a number of banking and payment topics, incl. German banking, value creation in payments and PSD 2. Reinhard is a CFA Charterholder and worked previously at Commerzbank, Lehman Brothers and Standard Bank.