Ronit Ghose is Global Sector Head for Banks in Citi Research. He is the lead author of Citi's GPS FinTech report series - the 2016 edition has had c250,000 downloads making it the most read report ever published by Citi and we believe the most read FinTech report ever published. Since joining Citi in 1997, Ronit has covered banks in the Benelux, Canada, Cyprus, France, Greece, Hong Kong, Saudi Arabia, Scandinavia, Spain, Switzerland, UAE and the UK. Ronit is an Advisory Board Member at the Centre for Finance, Technology and Entrepreneurship.? He previously worked at the British Bankers’ Association and as a research assistant in Parliament. He has an undergraduate degree from the University of Oxford, a postgraduate diploma from University of London and is a CFA charterholder.