Triple-A for Financial Services · Vienna

Transformation that delivers.

25 years of technology and transformation leadership in banking, payments and fintech – from the C-suite to the engine room. I take ownership of your critical initiatives and stay until the results are real.

years in financial services
25+
M&A deal volume supported
> €2bn
IT staff led
465
annual IT budget managed
€70m

Services

Three focus areas. One standard.

01

Post-merger integration

Consolidating systems, platforms and organisations after acquisitions – from due diligence and integration roadmap to realised synergies. Without bringing the running business to a halt.

  • Due diligence & integration strategy
  • Platform & data migration
  • Organisation & shared services
  • Synergy realisation

02

Product innovation

Bringing digital B2C and B2B products to market – with fintech speed and banking discipline. Even while the platform underneath is being renewed.

  • Product strategy & roadmap
  • Mobile & payments
  • Platform modernisation & cloud
  • Regulation (DORA, ZAIT, AML)

03

Data & Generative AI

Effective AI needs a solid data foundation. I build data and BI platforms and apply GenAI where it makes a difference: software delivery, customer service and knowledge management. Pragmatic, secure and with measurable value instead of endless pilots.

  • Data & BI platforms (SAP HANA, Oracle BI, Power BI, Databricks)
  • Use-case prioritisation & business case
  • RAG & agents in customer service
  • GenAI in the software lifecycle
  • Governance & compliance

How I work

  • Interim management (CTO / CIO / programme lead)
  • Turnaround of critical programmes
  • Advisory & sparring for boards and investors

The triple-A principle

Quality and performance are no accident.

Accountability

I take personal responsibility for the outcome – not just for the slides.

Acceleration

Fast, well-founded decisions. Experience shortens the path to the goal.

Assurance

Compliant and operationally resilient – 99.99% availability is the benchmark.

Selected experience

Results that matter.

  • Turnaround

    Interim programme and turnaround management of a €140m mainframe migration in capital markets.

  • International

    Led distributed IT organisations across twelve countries on three continents – including offshore development and operations in Hyderabad, India.

  • PMI

    Merged several IT organisations and platforms after mergers – while delivering product innovation at the same time.

  • Innovation

    Launched the first tap-on-mobile product including Girocard on the German market.

  • Synergies

    Achieved merger synergy targets of a listed payments group within 12 months.

  • M&A

    Member of several deal teams, including the sale of a payments group for USD 1.3bn.

  • Cost

    17% cost reduction in year one while meeting all growth targets.

  • Big bang

    Release lead for the big-bang rollout of a new banking platform following the merger of two major Austrian banks.

  • GenAI

    Brought RAG-based policy navigation and AI agents in customer service into production.

  • Data & BI

    Modernised the data and BI landscape of an international payments group – from in-memory DWH to big data platform, enabling faster decisions based on reliable data.

Career

Accountability at every level.

  1. since 2026Management & Technology ConsultantschAAAr Advisory
  2. 2019 – 2026CTO / CTOOPayone GmbH (Worldline Group)
  3. 2017 – 2019CTO4finance Group
  4. 2010 – 2017CIO / CTOPaysafe Group, Skrill Group, paysafecard
  5. 2008 – 2010Managing Director IT & Head of TransformationÖsterreichische Volksbanken AG
  6. 2000 – 2008Senior ManagerAccenture
Portrait of Roland Schaar

About

Roland Schaar

I have built and led technology organisations within complex international group structures – with up to 465 people at locations across Europe, North America and India, onshore and offshore. Along the way I learned that transformations rarely fail because of technology, but because of ownership, pace and clarity.

Since May 2026 I have been offering this experience as an independent advisor and interim manager – to banks, payment providers, fintechs and their investors.

International teams

12 countries · 3 continents · incl. offshore in India

  • Austria
  • Germany
  • United Kingdom
  • Latvia
  • Estonia
  • Lithuania
  • Poland
  • Czech Republic
  • Bulgaria
  • USA
  • Canada
  • India

Initial call

The earlier the real issues are on the table, the more options remain.

Tell me briefly about your initiative. I will get back to you within two business days to arrange a no-obligation initial call.