Dr. Michael Murg is chair of the Institute of Banking and Insurance Industry at FH Joanneum University of Applied Sciences, Austria. He has more than ten years’ experience as a financial advisor for private wealth management and corporate finance and spent several years in the financial industry. Dr. Murg’s scientific career began at the Department of Finance, University of Graz, Austria, where he was a quantitative research scientist and lecturer for finance. He is a licensed exchange trader for spot and derivative markets (XETRA) and was co-founder and the head of Portfolio and Risk Management for a FinTech company before returning to academia. Dr. Murg’s current research focuses on the digitization of business models in finance, banking and insurance industries, innovation management in insurance companies and banks, digitization of business processes, and data analytics.