Bernhard Þór Bernhardsson is Head of Products, Pricing and E-commerce in the Retail Bank of Arion bank. Bernhard’s earlier position in the bank was Regional Manager for the West of Iceland. His prime focus has been on digitizing the services and products of the bank including automating credit decisions. Earlier roles include CEO of SPM Savings Bank, Independent consultant, Senior Lecturer in strategy and finance at Bifrost University and Dean of Business Faculty at the same school. He holds an MBA degree from the University of Edinburgh.