Sergio Magalhães has more than 20 years of experience leading development teams and IT Departments in MillenniumBCP, a multinational bank, based in Portugal which is leader in innovation and customer experience. Since 2015 he is the Head of the Branch of The Future Department that is responsible for Branch Transformation projects, connecting the physical and the digital worlds, delivering the best customer experience. He oversaw the development of a new customer-oriented branch concept and with innovation features available in all 500+ branches of Millennium bcp in Portugal. In 2018 he assumes the role of Director in the Digital transformation Office of Millennium BCP. Today is responsible for the Application development of all the channels in Millennium BCP.