Oliwia Berdak

Senior Analyst serving eBusiness & Channel Strategy PROFESSIONALS

Oliwia is a Senior Analyst serving eBusiness & Channel Strategy Professionals within the European consumer financial services sector. Her research focuses on the digital transformation of banking, insurance, and wealth management, mapping out digital strategies, adoption trends, and best practices. She helps clients understand how technology is changing consumers' expectations of financial services and what obstacles and opportunities this offers to businesses.

Previous Work Experience

Prior to joining Forrester, Oliwia held a number of research positions in both business and academia, working with a variety of methodologies to deliver insight. As a postdoctoral research fellow at the University of Edinburgh, she collaborated on a large research project investigating Europe's changing citizenship regulation. She produced an overview of the regulatory environment and conducted interviews with key stakeholders in Bosnia and Herzegovina, Croatia, and Serbia. Oliwia also worked for six years as a freelance analyst for Euromonitor International, drawing on national laws, macroeconomic data, and statistics to analyze the latest economic, social, and political developments in Europe and explain their significance to businesses.

Oliwia is a Polish national with extensive international experience. She has lived in six countries and is fluent in four languages (Polish, English, German, and Bosnian/Croatian/Serbian), as well as having limited working proficiency in Dutch. She has a keen understanding of how different national contexts influence consumers and businesses.


Oliwia earned a Ph.D. and an M.A. (with distinction) in politics from University College London and a B.A. in European studies from the University of Maastricht. Her doctoral research focused on Southeast European politics and included extensive fieldwork in Croatia.

Oliwia Berdak's Research

  • For eBusiness & Channel Strategy Professionals

    Report: Disrupting Finance: P2P Lending

    Peer-to-peer (P2P) lending is the practice of lending money to unknown individuals or businesses without a bank or other traditional financial institution underwriting the loan. Platforms like F...

  • For eBusiness & Channel Strategy Professionals

    Report: Digital Disruption Hits Retail Financial Services

    Digital disruption has arrived in retail financial services. Banks, insurers, and wealth management firms are besieged by a wave of disruptors that aim to use digital tools to deliver superior c...

  • For eBusiness & Channel Strategy Professionals

    Report: Trends 2015: North American Digital Insurance

    Disrupt or be disrupted. That's the challenge facing American and Canadian insurers in 2015. Customer experience expectations, their willingness to consider a growing array of new options to buy...

  • For eBusiness & Channel Strategy Professionals

    Report: Follow Best Practices To Encourage Mobile Insurance Use

    The future of insurance is mobile, yet the path to that future is riddled with obstacles. One of the biggest is the low adoption rate of mobile services. This stems partly from the specificities...

  • For eBusiness & Channel Strategy Professionals

    Report: Disrupting Finance: Digital Investment Managers

    Digital investment managers — sometimes called robo-advisors — like Nutmeg in the UK and Betterment and Wealthfront in the US use the internet to offer to retail investors managed accounts at mu...

View all of Oliwia Berdak's Research

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