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Richard Kibble is a Partner in the Monitor Deloitte practice of Deloitte Consulting. He holds over 25 years’ experience in strategy and management consulting, with particular expertise in digital strategy, innovation and digital transformation in banking. Prior to joining Deloitte, Richard was the Group Strategy/Corporate Finance Director at the Royal Bank of Scotland. Before this, he led the Corporate Strategy practice at one of the “Big Four” accountancy firms. His clients have included most of the major banks and his advisory network covers a peer network of C-suite executives.