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Dec 01, 2018 - The Banker

When Santander Group decided to launch a fully diGital bank in the SpaniSh market, it took its existing online bank, Openbank, went back to the drawing board and put a non-banker in charge. CEO Ezequiel Szafir had digital disruption experience from the likes of Amazon Europe, where he managed Kindle.

His fear when making the leap was that Santander would limit the new bank's aspirations, particularly in areas where it was in direct competition. But Openbank is fully independent, with its o...