Suraya Randawa, Head of Omnichannel Experience for Curinos, helps banks, credit unions and fintech firms around the globe assess digital journeys and adopt the most successful digital banking strategies across their platforms. Suraya is the business owner of the Digital Banking Analyzer, the comprehensive user experience content and data platform that tracks and benchmarks thousands of competitor features and functionalities across multiple financial product account opening and servicing journeys, and leads Curinos’ digital insights and advisory function. Previously, Suraya has headed financial services customer experience research in leading market research firms, working with global banks, investment firms, insurers and regulators, gaining insight into consumer behavior across the world, including creating a global mobile payments and open banking consumer segmentation covering over 20 countries.

Philip is a Principal Analyst in the Financial Services team at Omdia, focusing on banking and payment trends as well as business strategy for the fintech sector.

Philip leads Omdia’s research that advises clients on the issues driving technological change in financial services. Philip is a regular columnist for Fintech Futures where he looks at the “state of play” of different subsectors in the fintech industry and is a frequent judge for both the PayTech and BankingTech Awards. Philip was recognized as a “Who’s Who in Fintech” by Onalytica, the world’s largest B2B influencer marketplace, in their Influential Voices & Brands Fintech report.

Prior to joining Omdia in 2020, Philip spent seven years at Euromonitor, a strategic FMCG market research firm, where he was the lead researcher for consumer behavioral trends in technology, commerce and payments.

Tiffani Montez is Principal Analyst leading the Banking vertical at Insider Intelligence. She oversees the content across Banking, which provides actionable insights on advancements in how value is stored, managed, transferred, and spent, for an audience of top banks and neobanks. She is a frequent media contributor and speaker at banking events, including Money 20/20, Finovate, and Mobile Payments Conference. Previously, she was a Senior Advisor at Aite-Novarica Group, an advisory services firm and has held executive-level roles at Wells Fargo and Terafina. Her unique blend of experience as a practitioner, analyst, and vendor solution provider gives her the foundation to be able to provide thought leadership to clients through all lenses of the financial services ecosystem.