Scale
The scale I have led
Most recently as Head of Digital Apps & Online Banking at Westpac Group, 2023–2026.
$120m+
Annual investment directed
Mobile & Online Banking, Digital Identity, Open Banking
~200
People in my organisation
About 600 mobilised across 28 squads
6m+
Consumer and business customers served
Mobile, tablet and online banking
20+
Years in financial services leadership
Westpac Group and ANZ
Outcomes
What I have delivered
Results from my roles at Westpac Group, delivered with the teams I led.
#1
Banking app in Australia, ranked by Forrester three years running
+19 pts
Digital onboarding completion
#1
Online NPS, with #2 for mobile
+33%
Likelihood of customers funding newly opened accounts
150
Production releases a year, from quarterly to fortnightly
13bn
Transaction records moved to cloud, roughly doubling performance
Top 10%
Employee engagement, consistently
100%
Effective controls through major change
Commercial performance
- Shifted sales and servicing to digital, growing engagement, increasing digital sales and reducing cost to serve.
- Directed more than $120m a year, with a performance framework that sharpened executive reporting and investment prioritisation.
- Reduced technology costs through vendor rationalisation, and raised the likelihood of customers funding new accounts by 33%.
Organisation and operations
- Led about 200 people and mobilised about 600 across 28 multidisciplinary squads, with engagement consistently in the top decile.
- Ran delivery across product, design, technology, operations and risk through shared agile release trains.
- Kept controls 100% effective through major change, and achieved Open Banking compliance with no adverse regulatory findings.
Digital and customers
- Built Westpac Mobile Banking into Australia’s #1 banking app, recognised by Forrester for three consecutive years and by Mozo in 2024 and 2025.
- Improved digital onboarding completion by 19 percentage points with modern identity, KYC, KYB and biometric verification.
- Strengthened customer protection through behavioural biometrics, SafeCall, SafeBlock, SaferPay and Westpac Verify.
Enterprise transformation
- Led two generations of platform transformation, from the Westpac Live rebuild to modernising Westpac’s digital banking platform.
- Migrated about 13 billion transaction records to cloud infrastructure, roughly doubling measured performance.
- Moved delivery from quarterly to fortnightly releases, about 150 a year, while maintaining stability and governance.
Approach
How I think
Start with the business outcome, then make the complex simple.
- Connect the bigger pictureCommercial, customer, technology and operational choices are weighed as one decision.
- SimplifyFewer platforms, fewer vendors and clearer priorities, as in Westpac’s multi-brand platform simplification.
- Measure what mattersInvestment is tied to conversion, adoption and use, so the portfolio funds what works.
How I lead
Build strong teams, then turn strategy into delivery.
- Develop leadersA leadership team with employee engagement consistently in the top decile.
- Create alignmentOne plan across product, design, technology, operations and risk, run through shared release trains.
- Execute with disciplineFortnightly releases with strong governance and controls rated 100% effective.
Career
Recent experience
-
ANZ2026 – present
General Manager, Trust, Identity and Onboarding
Accountable for how ANZ’s customers join, verify and stay safe in digital banking, bringing identity, onboarding, origination and fraud protection together to grow the business and protect customers.
-
Westpac Group2023 – 2026
Head of Digital Apps & Online Banking
Led a portfolio of more than $120m a year and about 200 people across Mobile & Online Banking, Digital Identity and Open Banking, serving more than 6 million customers. In 2025 my accountability expanded to include Enterprise Design, Digital Security, Transformation and Operations.
Delivered Open Banking under the Consumer Data Right, and owned the digital contribution to Westpac Unite, the Group’s multi-brand platform simplification program.
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Westpac Group2021 – 2023
Head of Mobile & Online Banking
Led the Westpac Mobile Transformation, a complete redesign and new native iOS and Android app, with more than $90m in annual investment. Lifted Westpac’s Forrester mobile banking score from 69 to 89 and cut release-related outage time by about 65%.
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Westpac Group2016 – 2021
Head of Digital Service
Digital sales and service for about 5 million customers across Westpac, St.George, Bank of Melbourne and BankSA. Turned around 1,000 manual processes into digital journeys and sustained about 99.8% platform availability.
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Westpac Group2015 – 2016
Head of Data & Digital
Led the $120m Data and Digital Transformation portfolio, coordinating investment, delivery and governance.
Recognition
Recent recognition at Westpac
- Forrester · #1 Australian mobile banking app, three years running
- RFI Global · #2 of the world’s top 20 banking apps, for the features customers value most
- Mozo · Australia’s Best Banking App, two years running
- Good Design Awards · Banking app, two years running
- Canstar · Innovation Excellence Awards for SafeBlock and Business Money Tools
- RFI Global · Digital App Experience awards for consumer and business
Contact
Get in touch
- linkedin.com/in/martin-king-
- CV
- Full executive CV available on request through LinkedIn.
- Location
- Sydney and Melbourne, Australia