Shyam Mohan is Director of Strategy & Value Consulting for EMEA and APAC at Backbase. He leads a practice that helps tier-1 banks decide what to buy, why, and what return to expect, spanning AI strategy, digital transformation, and the commercial models that fund them. His remit sits between the C-suite and the platform, giving his team a cross-bank, cross-region vantage point on where AI deployments actually deliver value, and where they quietly stall. He writes and speaks on the economics of trust, the coming agentic layer in banking, and why the next decade of banking differentiation will not be won on intelligence.