George Charalambous was appointed Head of Mobile Banking with effect from 1st January 2014 overseeing all aspects of Mobile Banking services and digital pipeline across HSBC’s UK retail businesses, HSBC, first direct and M&S Bank. George’s career at HSBC spans over 18 years during which he has completed a diverse number of roles across the Branch Network, Contact Centres and Head Office functions including Credit Risk, Change Delivery and Customer Value Management. He has been responsible for a number of key step change programmes for the organisation including the rollout of Positive Data Sharing, Contactless Debit cards and the Paym mobile payments service. More recently, he is leading the evaluation of the innovative Zapp mobile payments solution, and a number of other Mobile Payment/Digital wallet solutions for the UK bank. George lives in Holmfirth and is married with 2 children.