Thomas F. Dapp has been working in the Chief Digital Office of KfW Bankengruppe in Frankfurt am Main since January 2017. He is responsible for the new created Think Tank. Before then he was senior economist and Speaker at Deutsche Bank Research (Deutsche Bank AG) in Frankfurt am Main for more than 8 years.In a broad sense his research focuses on topics such as innovation, digital structural change and the digital economy in general. As a fellow and associate he worked on several research projects in Berlin and Washington D.C. which investigated “the power of innovation in digital ecosystems”. His most recent publications are in the areas of digital structural change in the finance sector, big data, API-economy, data privacy, crowdfunding/crowdinvesting, fintech, artificial intelligence and blockchain.