Marianne Charaf is Partner at itopia AG with over 15 years of experience in data and digital transformation across banking, insurance, and the public sector. With a PhD in Business Informatics, she is a leading professional at the intersection of business and technology. Marianne brings deep expertise in core system transformations, CRM, customer experience, data & analytics and enterprise architecture, focusing on how AI and data-driven models can make digital transformations both meaningful and business-centered.
