Chief Product and Digital Officer
Barclays
Sean Murray is Chief Product & Digital Officer at Barclays US Consumer Bank and is responsible for driving new products, card platform modernization, and digital customer experiences. He also manages the business prioritization and planning process for the US consumer bank with operations and technology teams in an agile environment. The Product Office is focused on enhancing product innovation and delivering new products to market with efficiency, quality and speed.
To foster innovation within the US Consumer Bank and deliver next-generation digitized financial solutions, the Product Office launched the Innovation Lab (iLab) in 2022. The iLab enables Barclays to map customer journeys for partners, elevate customer experience and digital capabilities, as well as identify key priorities on our roadmap.
Sean has served as Chief Product Officer since the group was formed in April of 2020 and is a member of the Barclays Bank Delaware (BBDE) Executive Committee. He is also a mentor for Unreasonable Impact, a Colorado-based, international company that supports a Fellowship for growth-stage entrepreneurs, channels exclusive deal-flow to investors, and partners with institutions to discover profit in solving global problems.
Prior to Barclays, Sean was the Citi Fintech Chief Product Officer from 2015 to 2019. He held various roles at JP Morgan Chase within their consumer division, including Card Services, Retail Banking, and Mobile, E-Commerce and Payments groups from 1999 to 2014.
Sean has a B.S. from Fordham University in Finance and Banking, and an MBA in Marketing and eCommerce from Rutgers University. He serves on the board of two non-profits: The Challenge Program and The Greater Philadelphia YMCA. He also coaches for the Freedom Girls Lacrosse club.
Digital wallets are rapidly becoming the primary interface for consumer spending, digital identity, loyalty and emerging real-time and tokenized payment rails. As the financial industry moves into 2026, the acceleration of wallet adoption is no longer a trend at the margins—it’s reshaping the economics, customer relationships, and competitive dynamics of retail and commercial banking. This panel brings together leaders from banking, payments, fintech, and big tech to unpack what’s driving the surge and how banks must respond.
The panel will delve into the drivers behind wallet dominance, the shift from card rails to platform- and real-time-centric payments, how wallets are rewriting the bank-customer relationship, and the strategic implications for banks and the priority to establish wallet-first customer strategies. Bankers will leave with a clear understanding of the forces accelerating digital wallet adoption, the threats and opportunities it creates for banks, and a pragmatic framework for building wallet-ready capabilities and partnerships that strengthen customer engagement rather than weaken it.