Andreas Unger is the managing partner of BearingPoint Management and Technology Consulting, which with around 500 people is the largest management consulting firm in Austria. He has spent over 20 years in the banking and insurance industry advising clients on various aspects of financial regulation. Andreas is also an internationally experienced banking expert in digital transformation and the successful implementation of innovation labs within the banking industry. One of the major innovations is a centralized regulatory management factory for all Austrian major banks where he has been significantly involved in the design of the overall solution. He graduated with a Master's degree in business administration from the Wirtschaftsuniversität Wien. He is a Fellow of Salzburg Global Seminar