Mr. Arivuvel Ramu working for TONIK Bank as Chief Technology Officer and Heading the Group IT. He brings over 17+ years of information technology enterprise architecture and innovative product development experience in both banking and telco having been held various positions in SI’s/Fintech involved in Digital banking, microfinance and digital transformation programmes. Prior to joining TONIK, He was an IT Director (Digital Transformation and Enterprise Architecture) for Capgemini Pte Ltd, Singapore and manage the Large Digital Transformation programme for the Leading Telco in Malaysia. He used to work with Banking CXO’s around ASIA over Digital Enterprise IT Modernization Strategy, Digital Transformation and DevOps implementation as part of the Next Generation Technology Roll-out which include Selfie banking, Video calling ,Contextual (text/chatbot), Conversational (Voice) banking, Bio Metric authentications and Microservices based API Economy. He knows the central banking compliance, security , risk management framework and requirements from the digital banking perspective. He architected almost dozen of award winning digital banking across ASIA, Middle east, Canada as part of his past experience. He used build digital experience banking platform for Retail/Personal banking, business banking , agent banking and Lifestyle banking as part of his product management and architecture in the past. He holds a bachelor’s degree in mathematics and Master in Computer Application and an holding professional organization certifications such as TOGAF, ITIL, Six Sigma, Scrum, Cloud etc.