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Nick Cowell leads Deloitte's US retail banking practice, and he is also part of the digital bank leadership team. He has extensive financial services industry experience, delivering complex strategic projects for large multinationals, regional banking institutions, and digital bank startups. He has worked with retail and business banking clients across the globe, helping them define their strategy as they navigate toward a digital future. He specializes in growth strategy, value proposition and business model design, product design, and digital bank launches.