Zil is a Director at Celent, global research and advisory firm specialising in Financial Services. Zil leads the firm’s Retail Banking and Payments practice and is based in London. His research focuses on the impact of technology-driven change in banking, particularly on consumer payments, digital identity, and the open financial services ecosystem. Zil has a global perspective with an emphasis on market developments in Europe and North America.

Zil is a regular speaker, chairman, and panel moderator at the leading payments industry events, such as Finovate, Money 2020, FTT Embedded Finance and Super-Apps, and many others. He has also been widely quoted in the press, such as The Economist, The Financial Times, The Banker, The Times, The Daily Telegraph, The New York Times, American Banker, PaymentSource, and other publications.

Prior to joining Celent, Zil was a management consultant, most recently at Oliver Wyman. He has over 25 years of advisory experience with a strong focus on cards and payments innovation and has worked with major financial institutions and technology players around the world on a range of strategic issues.

Zil has an MBA from Carnegie Mellon University and MSc in Applied Mathematics from Kaunas University of Technology. He is fluent in English, Russian, and Lithuanian.