Sonia brings deep expertise in digital banking, including designing and helping to launch greenfield businesses, supporting established banks in end-to-end digitization, and facilitating their collaboration with fintech start-ups. For nearly a decade, she has supported leading banks and other financial institutions across Africa, Asia, Europe, and Latin America.
In helping clients build new digital businesses, Sonia has worked across a number of issues, including digital strategy, IU/UX design, digital marketing and customer acquisition, zero-based process design, IT, and advanced analytics.
Examples of her recent client work include the following:
- designing and helping to build several global greenfield digital attacker banks, including all areas of the banks’ proposition and operating model, customer value proposition, products, go-to-market strategy, and front-end and back-end operations
- leading a retail transformation program for a Southeast Asian bank, with a focus on digital channels, customer life-cycle management (CLM), and back-office operations
- identifying the market opportunity and designing the business model for a disruptive at-scale consumer-lending and small-and-medium-enterprise-lending models in Asia−Pacific, leveraging digital and advanced analytics
In addition to serving clients, Sonia plays an active role in McKinsey’s knowledge creation on digital banking and CLM.
Published work
“Digital banking in Indonesia: Building loyalty and generating growth,” McKinsey & Company, February 2019
“Reaching Asia’s digital banking customers,” McKinsey & Company, April 2018
“Building a digital-banking business,” McKinsey & Company, April 2016
“Digital banking in Asia: What do consumers really want?,” McKinsey & Company, March 2015
“Digital Banking in ASEAN: Increasing Consumer Sophistication and Openness,” McKinsey & Company, March 2015
Education
Columbia Business School, Columbia University
MBA
University of Deusto
MA, finance