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IBS Intelligence is renowned for its independence and industry knowledge. This expertise is enhanced by Cedar’s global leadership team of seasoned management consultants, each with over 15 years of consulting experience.

This expertise is enhanced by Cedar’s global leadership team of seasoned management consultants, each with over 15 years of consulting experience Many have worked across banking technology sectors, in multiple global markets.Successfully project managing over 25 core banking projects for banks is one such example.

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Sanjiv Anand, Chairman, Cedar Management Consulting International

Sanjiv has over 30 years of management consulting experience across the globe. He started his career in the US, where for over 7 years he developed strategy for various US markets. Subsequently he set up operations in Asia, and the Middle East.

Sanjiv has assisted the boards and CEOs of leading banks develop and execute business strategy including complete transformations and mergers of multiple banks. Clients include American Express, Deutsche Bank, Standard Chartered Bank, ENBD, NBAD to name a few.

Sanjiv has an MBA from NYU Stern School of Business, and an AMP from Harvard Business School.

V Ramkumar, Senior Partner, Cedar Management Consulting International

Ram has over 20 years’ experience in assisting global financial services clients with Business Strategy formulation and transformation engagements including organisational, process and technology transformation.

He has helped several clients in formulating their business aligned IT strategy, and also with their application selection and implementation. Specifically, he has helped leading banks in selection and implementation of their core banking and other critical solutions, and overseen implementations by most leading vendors. He has also been principally responsible for over 5 large banking integration exercises and also directed multi-country roll-outs of large technology applications, coordinating across business, technical and organisational factors. Ram has executed over 20 large core banking transformations overall.

Ram is a regular speaker at industry events and his articles are periodically published. He completed his Masters at Birla Institute of Technology & Science, India, and executive education at INSEAD and Harvard Business School.


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Norman Gilchrist, Senior Advisor, ex-CEO of American Express Bank

Norman has over 30 years of experience in banking and financial services and has worked on assignments in the areas of customer service strategy, consumer channel and product strategy, customer relationship management, operations and technology integration, selection and implementation of banking systems, and business process re-engineering. He was responsible for successful integration ofAmerican Express Bank’s (AEB) technology and operations into Standard Chartered Bank.

While at AEB, he was also responsible for the review of compliance risk management program and successful integration of the B2B compliance organisation over 20 countries. He was also responsible for the delivery of products and services to the AEB lines of business: financial institutions group, private banking, financial advisory services and global financial markets. He has previously held a number of executive management positions at Standard Chartered, Lloyds, The Bank of Scotland and Financial Institutions Group.

Norman completed his BSc at the University of Edinburgh, UK.

Scott Thompson, Senior Editor, IBS Intelligence

Scott has been working in journalism for more than 16 years, during which time he has held senior editorial positions at leading global FinTech titles and contributed to a number of business and technology-related publications.

Scott’s areas of expertise include FinTech, core banking systems, Bitcoin and the blockchain, the European, US and Australian retail banking sectors, challenger banks, social media, online and mobile banking and mobile and contactless payments. Whilst Senior Editor at FStech, he developed and built up a highly successful payments conference and also chaired judging panels for the FStech Awards and Payments Awards, as well as various roundtables and webinars.

Scott holds a degree in English Literature, and also a postgraduate diploma in magazine journalism from Highbury College in the UK.


Alexander Hamilton, Senior Reporter, IBS Intelligence

Alex joined IBS in August 2015 following stints writing for national and international websites in the fields of consumer and business technology. His portfolio features a wide range of industry reporting, including work in technology, music, sports and gaming. Alex has discovered and broken numerous viral stories in the past, on topics like security, government policy and the cloud.


Tel: +44 (0) 207 520 2630

Mobile: +44 (0) 7555 518 679

Follow on Twitter: @AlexIBSIntel

Amit Jain, Business Director

Amit has over 10 years of management consulting experience in the areas of market assessment, entry / growth strategy formulation and implementation, Balanced Scorecard, commercial & financial due diligence across service, manufacturing and financial sectors & multiple geographies.

Amit has worked across sectors, financial services, manufacturing, services and real estate. He has also assisted leading global private equity firms in conducting commercial & financial due diligence, in identifying/validating their investment opportunities & also in raising funds.

Amit holds an MBA from S.P. Jain. He has recently completed executive education programs at London Business School & Harvard Business School. He is also a Six Sigma certified Green Belt.


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Angus Chapman, Advertising Sales Manager, IBS Intelligence

Angus has over 10 years’ sales experience in publishing business. He possesses a strong affinity for both, the financial institutions and enterprise technology sectors, developed over the years of him working in the publishing business. Angus graduated with English honours from University of Kent and is proficient in conversational French.


Tel: +44 (0) 207 520 2631

Mobile: +44 (0) 7958 691 538

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Edward Thomas, Regional Account Manager – UK & EU, IBS Intelligence

Edward has more than 10 years of experience in the research and advisory industry with Forrester. He has been guiding senior-level clients within Business Technology, Marketing and Sales to embrace digital disruption, develop go-to-market strategies, build world class customer experiences and ultimately increase revenue. Ed has extensive experience assisting technology vendors to leverage research and analyst relationships to increase market exposure and drive growth.

During his time at Forrester, Ed has been an advisor to end-user clients in the FTSE 100 within financial services, pharmaceutical, travel and FMCG; as well as technology vendors, agencies and professional services organisations across a variety of industries. Most recently, Ed has been leading a team of Account Managers in the UK, Ire & Nordics, responsible for Forrester’s Technology Vendors, Telecoms and Professional Services Accounts

Ed has a BA(Hons) in Business Studies from University West of England, Bristol, and is based in London, UK.  He is a keen golfer and rugby fan.

Mike Scarangella, Regional Account Manager – Americas, IBS Intelligence

Mike has more than 15 years of experience in the research and advisory industry with Gartner, Inc. He has been assisting clients in making the right technology decisions to save time, mitigate risk, and increase return on investment. In addition, Mike has extensive experience assisting technology vendors leverage research and analyst relationships to increase market exposure and drive revenue.

Mike has a Bachelor of Science Degree in Political Science from Florida State University, and is based in Fort Myers, Florida. He is an avid golfer, and is involved with many local organisations focused on providing scholarships for deserving youths across the Southwest Florida region.