Karl Hitschmann is a qualified expert on systemic business and organizational development. More than 10 years ago he founded BUSINESS DESIGN, an agency specialized in developing new products, services, and innovative business models for the banking, insurance, and industry sector. Before, he was Managing Partner of an international consulting enterprise focused on strategy and leadership development as well as the CEO for the internet and IT-investment business of a bank group. In his role as former president of the Austrian association of internet service providers (ispa) he was an early promoter of the digitalization wave.