Gartner Expert

Derek T Frost

VP Analyst

Derek Frost is a VP, Analyst who helps executives in commercial and retail banking. His key coverage areas are commercial banking growth (with a focus on small business banking as well as credit access for underserved community businesses), climate change and ESG, customer financial inclusion and empowerment, digital transformation, and digital client experience. Derek has helped banking leaders develop customer strategies that strengthen client relationships and financial well-being. He has also worked with them on multiexperience channel approaches that balance people-led and digital engagement. In addition, he assists bank CIOs and Product Leaders at technology and service providers in understanding key business priorities of commercial and consumer banking lines of business.

Previous experience

Derek has an extensive background in helping financial services executives achieve their mission-critical priorities. His industry career started at the Advisory Board Company, where he delivered research to banking and insurance clients through workshops and presentations. He then moved to the Corporate Executive Board, providing advice on commercial and retail banking in one-to-one, small group, and large conference settings across a global client base.

From 2018 to 2022, he led Gartner's Executive Circles for leaders of retail banking operations and small business banking at the leading banks in North America, sharing research insights and facilitating peer discussions around industry challenges. He currently supports a diverse, global group of executives, including business unit leaders, CIOs, and technology and service providers.

Professional background

Corporate Executive Board

Senior Director and Executive Advisor

Advisory Board Company


University of Connecticut


Areas of coverage

Financial Services Digital Business Strategy and Innovation

Financial Services Technology Modernization and Transformation

Industry Markets and Technologies

Industry Product Planning and Strategy

Financial Services Business Leadership and Strategy


Ph.D., University of Connecticut

M.S., Southern Connecticut State University

B.A., University of North Carolina-Chapel Hill

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Top Issues That I Help Clients Address

1Business Banking/SME digital channels and digital account opening

2CIO alignment with lbusiness strategy

3ESG, managing loan portfolio climate risk, sustainability in commercial banking

4Alternative underwriting criteria, lending to underserved businesses, financial inclusion and financial empowerment

5RM productivity, revenue growth