Mary Ann Francis is an Associate Partner in IBM's Financial services Practice, focused on Digital Banking, Payments and Core. As a legacy banker, and a well-respected and award-winning leader within the Banking and Payments landscape, globally, Mary Ann brings decades of experience in strategy, thought-leadership and execution across the numerous emerging and legacy industry efforts in Payments, Treasury, Core and blockchain to address the needs across modernization, transformation and the requirement to be future-ready in an ever-evolving set of ecosystems. 



Mary Ann Francis
Associate Partner, Core Banking and Payments
IBM Global Business Services