Stephen Greer is an analyst in Celent's Banking group and is based in Madrid, Spain. His research focuses on retail banking trends, with an emphasis on digital channel technology. He joined Celent from Springboard Research, where he wrote and consulted on Internet and Communication Technology (ICT) market dynamics in the Middle East and Africa. In Stephen's time at Springboard, he wrote key reports and led projects for major global corporations, influencing strategy across the MEA region. Prior to that, he worked at a small investment firm supporting client relations and data analysis. Mr. Greer got his degree from the University of California Los Angeles. He is fluent in English and Spanish.