Hans-Gert Penzel is a professor at Regensburg University, Germany, with a focus on digital innovations in financial services. Besides he is a member of several supervisory and advisory boards in the financial services domain. He is the co-founder of “ibi research” at Regensburg University and was its managing director from 2010 to March 2019. From 2003 to 2010, he was a Director General and CIO at the European Central Bank. In the preceding thirteen years he headed various C-functions in Vereinsbank and HypoVereinsbank, Germany. He started his career with Hewlett-Packard and McKinsey & Company.