Michael Degnan is the Head of Enterprise Innovation, PNC’s internally-focused Innovation team and concept incubator. A Group-level team, Enterprise Innovation identifies and shapes promising business, customer and technology innovations and works with lines of business and CIO partners to bring them into the Bank. Michael is a member of PNC’s Technology and Innovation leadership team.

Michael has driven innovation as a senior digital banking executive at major American banks, and as a co-founder of a groundbreaking financial technology (“Fintech”) startup that has achieved million-user scale. Prior to PNC, Michael was Head of Digital Banking for Santander Bank, where he was responsible for the overall success of the Bank’s US Digital business, including digital sales and business goals, digital channels and customer experience, risk management and overall legal & regulatory compliance. Michael is also Co-Founder of Moven, a venture-funded leading Fintech company that provides mobile banking and AI-driven financial wellness services to consumers and major banks around the world.

Michael began his career as a software engineer. He holds an MBA in Finance, Marketing, and Management from Columbia Business School, and a BA from Columbia University, where he studied Economics and Computer Science and was a varsity athlete in football and track & field.