L K Ranganathan (Ranga) is a consulting partner with the Banking, Financial Services, and Insurance (BFSI) unit at TCS. A career banker turned consultant, he has delivered many strategic consulting engagements for large global clients. He currently heads the APAC and ANZ region of BFSI consulting and strategically contributes to clients’ transformation programs. Ranga has hands-on experience in cards and payments, fraud management, credit and collections, digitalization, and open banking and has worked with multiple banking giants around the globe. He manages a large team of banking and capital markets subject matter experts with specialization in BIAN, TOGAF, and cloud.