Valérie Gitenay, after studying telecoms engineering, began her career in banking in the telecoms sector and then in payments and e-commerce. She later joined Ernst & Young and then Capgemini Invent as a consultant. During her career, she has managed numerous transformation programmes in the banking sector, such as the evolution of networks, digital transformation and merger and rationalisation operations. She is also specialised in the evolution of the retail banking model in the era of data and open-banking.