Salil Ravindran heads the digital banking research and advisory practice at MEDICI. He has been in the banking and financial technology industry for over 21 years. Salil spent his early years at ICICI Bank and later spent over 18 years at Oracle in their financial services business unit. At Oracle, Salil handled various roles across domain expertise, delivery, solutions, and strategy for their financial services product portfolio and most recently led their digital banking center of excellence. Salil has had global exposure to banking products and practices across the world. He is a vocal advocate of Open Banking and has stayed close to various regulations around it worldwide.