Mukund Umalkar is Director of Digital Strategy and Innovation specialising inGenAI at ING, where he drives the bank’s digital transformation and fintech collaboration across wholesale banking, corporate lending, transaction services, risk, and operations. He leads the design and execution of innovation strategies, fintech/regtech partnerships, and emerging technology implementations, with a strong focus on customer experience and sustainability use cases Mukund brings over 20 years of cross-sector experience in technology, finance, and consulting. His previous roles include leading the Innovation Lab in London for Commonwealth Bank of Australia and senior strategy and technology advisory roles at Accenture and IBM. . Educated in computer science (BEng, University of Pune), Mukund holds an MBA from University of Chicago Booth School of Business and advanced credentials in AI and machine learning, including the Stanford MOOC taught by Andrew Ng, deeplearning.ai certification, and an AI Nanodegree from Udacity grcworldforums.com.