Luis Costa is a digital transformation expert with over 12 years of experience across Africa and Europe, working at the intersection of technology, business and regulation across banking, financial services, consulting, SaaS and the public sector.

He specialises in AI-driven transformation, intelligent automation, regulatory technology and digital operating model redesign, helping organisations leverage technology to improve operational efficiency, strengthen compliance, enhance decision-making and create new opportunities for growth.

As a DALCOTTI Associate Partner and PhD in Banking Regulatory Transformation, Luis brings a distinctive combination of technology expertise, business understanding and regulatory insight. At DALCOTTI, he supports clients in harnessing AI and emerging technologies to modernise operations, transform digital capabilities and develop practical, scalable solutions across financial services, government, education and healthcare.