Michael Harte

MIT Research Fellow & Former Group CIO of CBA


Throughout his career, Michael has been a protagonist of the disruption occurring across products and business models in the financial services sector. He has led operational change, digital transformation, and commercial growth at Commonwealth Bank of Australia, at Barclays, and more recently at Santander UK as COO. Previously, he held various technology / CIO leadership roles at PNC, Citi, and Fonterra.

A forward-thinker and experienced technologist focusing on AI, core, edge, and cloud computing, Michael has developed a robust network within the ecosystem of innovation across Europe and worldwide. He serves as a mentor, coach, and advisor around digital innovation and information technology themes.

Michael received an MSc in Systems Management from New York University and is a Research Fellow with MIT Centre Information Systems Research (CISR), researching the economics of marketplaces and flywheel effects, digital asset valuation, and digitization methods, and re-platforming.

Originally from New Zealand, Michael is based in London. A passionate art lover and committed environmentalist, he greatly enjoys nature and the pristine Sardinian landscapes.

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