is a Swiss banking executive and academic based in Zurich, specializing in central bank digital currencies (CBDCs), decentralized finance (DeFi), and digital assets. As a former COO of regulated banks in Switzerland and Liechtenstein, he was directly involved in building and operating financial institutions, from designing operating models and IT architectures to navigating regulatory frameworks and licensing processes. Alongside his industry work, he serves as an adjunct professor at the School of Management Fribourg (HEG-FR) and is affiliated with Henley Business School, where he researches DeFi, CBDCs, and the evolving architecture of modern banking. His research and public commentary critically examine the integration of digital assets into regulated finance, structural shifts in global payment and monetary systems, and the design and implications of CBDCs, including the digital euro.