Ralph Hamers is the former CEO of ING and UBS and a corporate advisor, tech investor, and board chair. At ING, he completed the bank's post-crisis restructuring and transformed ING into a leading digital primary bank in Europe. During this period, ING achieved accelerated primary customer growth, one of the lowest cost-to-income ratios in European banking, and was recognized with Global Finance's Best Bank of the World award. As CEO of UBS, Ralph launched the One UBS strategy and played a central role in the rescue of Credit Suisse.
""This is far more than a banking story. Ralph shows what bold, customer-centric leadership looks like in an industry under immense pressure. His candor about the wins, setbacks, and recalibrations makes this book invaluable for any executive leading large-scale change."" -Jamie Dimon, Chairman and CEO of JPMorganChase. ""The shift Ralph describes-moving from products to customer experience-reshaped ING from the inside out. If you want to understand how ING became the leading digital primary bank, read this. It is one of the clearest articulations of customer-centric strategy I've come across."" -Ajay Banga, former CEO of Mastercard. ""You don't need to be in financial services to learn from this book. Ralph's framework for clarity, alignment, simplification, and agile execution applies to any complex organization facing disruption. Today, disruptions from geopolitics, technology, and trade plus the AI revolution require every CEO to guide their organization through unprecedented uncertainty, make hard calls, and keep stakeholders aligned through continuous change. His experience in transforming ING is a must-read for leaders in how to deal with disruption."" -Axel Weber, Chairman of Raisin SE, former President of Deutsche Bundesbank, and former Chairman of UBS Group AG.