John Howard D. Medina is the Chief Operating Officer of the Philippine Bank of Communications. He has over thirty years of experience driving innovation, change and transformation for financial services across several countries.

John is one of the pioneers in the process and technology transformation practice for financial services and helped change the Asia-Pacific operations of one of the largest multinational banks. He subsequently established a consulting firm in the United States, helping create new digital business initiatives for US financial institutions and fintech firms.