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Harald Kube

Senior PartnerFrankfurt

Helps leading financial institutions and technology firms shape their strategy, improve operational performance, and transform their technology.

Harald leads McKinsey’s Digital Practice in banking in Europe. He serves clients across industries that primarily rely on technology and helps them shape and successfully execute large-scale digital, operating model, and core technology transformations.

Examples of his recent client work include the following:

  • advising a global wealth and asset manager on its operating model transformation
  • leading a multi-year core banking replacement and technology modernization program for a wholesale bank
  • developing the digital asset and BaaS strategy for a financial services firm
  • advising a software company on its SaaS offering for financial services
  • developing a performance improvement program for a leading technology player
  • leading a post-merger integration program for a universal bank

Published work

APIs in banking: From tech essential to business priority,” McKinsey & Company, January 2023

The cloud as a strategic ecosystem for innovation and growth,” McKinsey & Company, June 2022

How to get a core banking transformation right: Eight mistakes to avoid,” McKinsey & Company, February 2022

Deutsche Börse unlocks the benefits of moving to the cloud,” McKinsey & Company, February 2020

Cutting through the noise: How banks can unlock the potential of APIs,” McKinsey & Company, July 2019

Looking behind the curtain: What really drives value from data,” McKinsey & Company, July 2018


Dortmund University of Technology

University of Vienna
MSc, BSc