SKN  | Lloyds Banking Group Appoints Jane Gilmour as CTO to Advance Its Accelerate 2030 Strategy

Key Takeaways:

• Lloyds Banking Group has appointed Jane Gilmour as Chief Technology Officer, with her arrival scheduled for January. She joins from HSBC, where she led technology for Group Functions, bringing more than 25 years of experience across financial services and other global industries.
• Gilmour will support Lloyds’ Accelerate 2030 strategy by modernising technology platforms, strengthening engineering capabilities, and improving operational resilience. She will report to Group Chief Operating Officer Ron van Kemenade.
• The appointment highlights the strategic importance of technology leadership in banking. Established institutions face mounting pressure to modernise legacy infrastructure while maintaining security, regulatory compliance, and reliable customer services.

Lloyds Strengthens Technology Leadership for Accelerate 2030

Lloyds Banking Group has appointed Jane Gilmour as Chief Technology Officer, placing an experienced technology executive at the centre of its long-term transformation strategy. Scheduled to join in January from HSBC, Gilmour will oversee technology initiatives supporting the Group’s Accelerate 2030 ambitions.

Her responsibilities will include modernising technology platforms, strengthening engineering foundations, and improving operational excellence across the Group’s technology estate. She will report to Ron van Kemenade, Group Chief Operating Officer, as Lloyds seeks to accelerate innovation without compromising the security and reliability required of a major banking institution.

The appointment reflects the increasing importance of technology infrastructure in determining how effectively established banks respond to changing customer expectations and competitive pressures.

Jane Gilmour Brings Extensive Financial Services Experience

Gilmour most recently served as Chief Technology Officer for Group Functions Technology at HSBC, where her responsibilities included enterprise technology strategy, transformation, infrastructure, and resilience. Her career also includes leadership positions at The Coca-Cola Company, Barclays, and GE Capital, alongside previous experience at JPMorgan and Accenture.

This background gives Lloyds access to experience managing complex technology environments across large organisations. Such expertise is particularly relevant as banks work to simplify legacy systems, improve platform performance, and introduce digital capabilities while maintaining continuity across critical services.

According to van Kemenade, Gilmour’s experience leading complex transformation programmes is expected to support practical improvements for customers and colleagues. Her appointment is intended to help Lloyds innovate more quickly while reinforcing the resilience and security underpinning its operations.

Digital Initiatives Provide a Foundation for Further Transformation

The appointment follows a series of digital developments across Lloyds Banking Group. In September 2026, the Group launched an in-app invoicing tool called Get Paid, designed to help small businesses address late payments by integrating banking and invoicing functions.

Lloyds has also participated in a fully digital UK-France letter-of-credit transaction with Société Générale and other partners, demonstrating progress in digitising traditionally paper-intensive trade finance processes.

These initiatives provide context for Gilmour’s incoming responsibilities. Further progress will depend on the Group’s ability to connect customer-facing innovation with secure, scalable infrastructure and reliable internal systems. The appointment itself does not establish specific delivery targets or guarantee that the transformation will proceed without operational challenges.

Modernisation Must Balance Innovation and Resilience

Lloyds’ decision to recruit an experienced executive from HSBC reflects the competitive demand for leaders capable of transforming large banking technology estates. Established financial institutions must increasingly deliver digital experiences comparable to those offered by fintech companies while meeting demanding standards for operational resilience and regulatory oversight.

Legacy infrastructure can make this transition complex. Modernisation requires more than introducing new applications; it can involve simplifying systems, improving data architecture, strengthening cybersecurity, and managing dependencies across critical banking services.

For Lloyds, the central test will be whether stronger technology foundations translate into more reliable services, more efficient operations, and improved customer outcomes as Accelerate 2030 progresses.

Closing Insights

Jane Gilmour’s appointment places technology modernisation and operational resilience firmly within Lloyds Banking Group’s leadership agenda. Her experience across HSBC and other major organisations could support the Group’s efforts to strengthen engineering capabilities and accelerate digital development.

For investors and financial-sector observers, the significance lies less in the appointment alone than in the execution that follows. Progress will ultimately depend on how effectively Lloyds converts leadership experience into measurable improvements in platform reliability, operating efficiency, security, and customer service.

For a confidential discussion regarding retail banking strategy, insurance distribution models, customer loyalty ecosystems, digital financial services, or cross-border financial innovation opportunities, contact our senior advisory team.