Tech Reimagined

"Leadership isn't just about technology – it's about people, trust and values." Natalie Probets and Wes Fagan continue their insightful conversation with May Lam, CIO at Australian Payments Plus – this time, diving into her leadership journey. We discuss the leadership mindset needed for today's digital landscape and how AI and rapid tech change impact decision-making. Tune in and learn why authenticity and trust drive successful teams!

May Lam, CIO at Australian Payments Plus, joins us in the new episode to unpack how AI and quantum computing are transforming payments, why trust and security are non-negotiable in digital finance and the risks and rewards of innovation in the payments landscape. Tune in now for valuable insights. 

In part two of our conversation with Keith B. Carter, we discuss how AI can support decision-making, creativity and innovation while keeping human intuition at the core. What are the risks of over-relying on automation and how can businesses stay competitive by investing in AI tailored to their needs? Tune in and find out! Interested in more Endava podcasts? Explore here.

AI is reshaping decision-making, but how can businesses and individuals navigate this transformation with confidence and purpose? How do we move from just knowing about AI to deciding and acting on it? This week, Keith B. Carter, author of “Know, Decide, Act”, joins us to share a pragmatic approach to using AI effectively in work and life. Keith breaks down how AI can enhance decision-making while keeping human intuition and expertise at the center. Tune in now! Interested in more Endava podcasts? Explore here.  

The shift to digital banking has revolutionised how people manage their finances. Join us as Hisham Salama, Head of Bank Digital, Payments, and Transformation at USAA, explains this transformation through the lens of a financial organisation dedicated to serving the armed forces and their families. Discover how USAA harnesses technology to drive its digital evolution and enhance member engagement across its platforms and services. Tune in now! For more Endava podcasts, check out our website.

We hosted Hisham Salama, Head of Bank Digital, Payments, and Transformation at USAA, an organisation established over a century ago and dedicated to serving the military community. Together, we explore the unique nature of USAA, Hisham's journey to his current role, and the hobbies, perspectives and passions that shape his approach to innovation. Tune in to discover how USAA is driving digital transformation, merging military values, tradition and technology to serve military members and their families across the US.  For more podcasts from Endava, visit our website. 

This episode features insights from our client, @Lhasa Limited, as we dive into the future of ethical research, covering the global drive to reduce, refine and replace animal testing for human safety assessments.  Join us in part two of the conversation with Nik Marchetti, Head of Solutions, as we discuss the current landscape and how technology is paving the way for safer and more humane alternatives. Don't miss this insightful conversation – tune in now.  For more podcasts from Endava, visit our website. 

In this episode, we delve into the field of chemical safety as our guest, Nik Marchetti, Head of Solutions at Lhasa Limited, discusses the safety assessment that takes place before products like pharmaceuticals, cosmetics and food are made available to the public. Tune in to explore how the fusion of science, human insights and technology enhances this process. For more podcasts from Endava, visit our website. 

Not everything is an AI problem. In this episode, we delve into how adopting a strategic approach to AI can not only optimise your resources but also empower you to harness this technology effectively for the best results. Get inspired by insights from Purva Gupta, CEO and Co-Founder of LiIy AI, as in the second part of our conversation she illustrates how AI is transforming the retail industry and aligning with the delivery of human-centred solutions. Tune in now!  Looking for more industry-specific insights? Explore more Endava podcasts here.

Retailers strive to see through the customer's lens, but understanding and speaking their language can be a challenge. That's where AI steps in. In this episode, we explore with Purva Gupta, Co-Founder and CEO of Lily AI, how AI bridges the gap between retailers and customers. We dive into how AI helps align products with how customers search for them, accounting for the many variations defined by individual preferences and criteria. Tune into S05E03 for more insights!  Looking for more industry-specific insights? Explore more Endava podcasts here. 

In this episode, we delve into how individuals and businesses navigate the complex landscape of digital transformation. According to our IDC report, 88% of organisations revealed that up to 50% of their digital transformation projects in the past year achieved their goals, leaving nearly half falling short. Together with Vanessa Albarran, Delivery Lead for Checkout and Payments at Selfridges, we explore the underlying reasons for this gap. Tune in for a thought-provoking discussion that could reshape your approach to digital innovation!  Looking for more industry-specific insights? Explore more Endava podcasts here. 

When shopping, few people think about the complex processes behind smooth payments. Yet, this area is both dynamic and essential, especially for payment systems at some of the world's largest department stores. In this episode, Vanessa Albarran, Delivery Lead for Checkout and Payments at Selfridges reveals how payments affect customer satisfaction in retail and discusses how AI and digital transformation drive change and modernisation across the industry. Tune in now!  Looking for more industry-specific insights? Explore more Endava podcasts here. 

As we wrap up Season 4, join our CTO, Matt Cloke, as he takes us through his remarkable career journey, sharing pivotal moments that shaped his path to leadership. He discusses his sources of inspiration and his approach to nurturing a team of visionary leaders. Building on insights from our Emerging Tech Unpacked report, we delve into the world of AI and Matt's vision for the next big innovation beyond AI. This episode offers a rich blend of business, technology and personal insights, providing inspiration for business leaders everywhere. Tune in now. 

Governments and private organisations globally have committed to achieving net-zero emissions by 2050 to address climate change. In this episode, we explore actionable steps with Matthew Neil, our Global Energy, Resources and Incubation Lead, discussing how businesses, communities and individuals can contribute. Tune in to gain valuable insights and delve deeper into our e-book: "Redefining Power and Policy." 

Join us as we delve into the delicate balance between innovation and user privacy, featuring valuable insights from Erin Tavallai, Google's Head of Ad Privacy in APAC. We discuss how organisations approach privacy and how innovations in technology can enhance user privacy. Erin also shares highlights from her career journey and the pivotal steps that led to her current role. Tune in to learn more. 

In this episode, we delve beyond the boundaries of the game field, exploring the modern landscape of sports alongside our guest Carlo De Marchis. Join us as we discuss the culture of winning, Hawk-Eye technology, the influence of social media on the sports sphere and much more. Tune in for captivating insights!  

Join us on an insightful data-driven journey through the travel ecosystem! Our guest, Natalie Seatter, Chief Data and Product Officer at OAG, uncovers how data impacts different entities in the travel space, including airports, hedge funds, finance companies, governments and more.

How can authenticity and creativity bolster resilience in times of crisis? How does the synergy between human expertise and AI technology open the door to success? In this episode, our expert advisors, Nick Telford Reed and Anthony Whitehorn, dig deep into the human aspect of agility. 

Join us on a captivating journey through space and time with Rosalind Winton, the Head of Exhibitions at the British Museum, which marked its 270th anniversary in 2023.   How did the museum reinvent itself after COVID-19 and what's the role of technology in its ongoing evolution? Explore the exciting topics from reimagining Tutankhamun with a Cairo graffiti artist to the Samsung discovery centre for younger audiences and Rosalind's favourite technology bringing new dimensions to the underwater world of Seahenge.   Dive into the episode and learn more!  

In our final episode of 2023, we engage in a conversation with Endava CEO John Cotterell, exploring his views, insights and perspectives as a business leader and individual. Together, we reflect on the past year, discuss opportunities on the horizon of 2024 and shed light on why people are pivotal to Endava's core purpose. In this special episode, he not only uncovers his favourite app and the technological gadget he can't travel without but also provides us with a sneak peek into his holidays including his favourite Christmas movie. Delve into the episode and relish this insightful conversation!

Ever wondered what makes the experience of watching sports so enjoyable and engaging? How technology shapes the landscape of major sports events and associations, such as FIFA, UEFA, or the Olympic Games? Join us as we explore this exciting topic with Carlo De Marchis!  Carlo is an expert and advisor who has influenced the sports and technology media field for over 35 years. Passionate about marketing and technological innovations, he enjoys enhancing the way people consume sports.  In this captivating conversation, Carlo delves into the technological aspect of major sports events, highlighting the best moments from his remarkable career. Tune in to the episode for more insights! 

How does digital communication impact our ability to read personal cues? What does the future of networking look like in an era where participation in online roundtables is strongly encouraged? We explore answers and gain valuable insights with Natalie Seatter, CPO at OAG.  Natalie is passionate about people, culture and driving broader business transformation by breaking down silos and bringing teams together to successfully build, launch and monetise innovative data products that power the travel ecosystem.  Listen to the full episode and learn more about the advantages and challenges of digital communication.

Is volatility the time to take more risk and not less? Is it time to embed agility into your organisation? In swiftly changing markets, it's not just a survival strategy, it's a competitive advantage. In the first episode of Season 04, we discuss how we can better cope with market uncertainties with Paul Willoughby and David Clamp.

The biggest challenge associated with the sustainability of space exploration from a insuring POV, according to David Wade, is debris in low Earth orbit, where thousands of satellites and 30,000 pieces of debris are floating around.   This poses a significant risk to satellites and increases the likelihood of conjunctions, where satellites come close to each other and debris, leading to collisions.   Listen to the full episode and learn more about what private actors could do to support a cleaner race towards the stars.

In a world of constant technologized connectivity, it can be challenging to disconnect from work and take a break.   However, Helena Nimmo, Endava's CIO, believes there are different ways to manage this challenge. For organisations it is now more than crucial to understand what works for each individual and user group while moving towards hybrid work 2.0.     Tune in to listen to the full conversation here:  

Join Bradley Howard and David Wade in this fascinating podcast episode, where they discuss the intricacies of pricing insurance for new space technology, including upcoming manned flights to the moon and Mars.   They delve into the challenges involved in assessing the risks of brand new technology, and the importance of finding a balance between supporting innovative space initiatives and limiting exposure to risk.   Tune in to discover how insurers rate the risks involved in covering new space exploration missions. 

Many people are still skeptical about VR's potential and are unsure of how to integrate it into their digital strategies.   Thomas Bedenk,  our VR expert, recommends that people try out VR themselves to understand its promise and limitations. VR's immersive nature allows for experiences that cannot be replicated through traditional media. As the technology advances, the possibility of a virtual world, known as the Metaverse, becomes more plausible.  Tune in to find out more and join the conversation at Endava on LinkedIn.  

Though the universe of space insuring might be a small one, its impact on the future of space exploration is truly important.   If you're curious to understand a bit more about the processes behind how satellites operate from a commercial point of view tune in and enjoy this in-depth conversation with a seasoned space underwriter: David Wade.  

Are you pondering on what the age of cookie-less advertising will mean for marketers and internet users?   We're glad to be able to discuss this and other marketing related subjects with our guest this week, Kelly Baynes.    Tune in to learn more about the importance of quality, trust, and putting the needs of the audience at the center of marketing messages in a cookie-less world. 

The recent exponential advancements in technology have greatly influenced many of the professions that are responsible for an organization's smooth functioning. None though has been more impacted than the CIO's.   In this week's episode Bradley Howard and Helena Nimmo, Endava's seasoned CIO discuss some of the unique challenges faced by CIOs nowadays.   Tune in and learn more about the impact the hybrid working environment has had on workplaces, what the differences between manufacturing and services companies are, and how increasing cybersecurity threats should be approached from a CIOs perspective.

An entrepreneur's life is never dull and offers its specific benefits. Yet without proper support and a safe place to discuss challenges, it can quickly become a lonely and sometimes difficult space.    In today's episode, Kelly Baynes, founder of the Nurture Network and the Lemon Quarters shares the story behind a community that impacts the lives of 700 women in business.   Tune in to hear the full story.  

With under 10% of women occupying top leadership positions across the globe, women's underrepresentation is STILL a pressing issue.   In this #IWD episode Helena Nimmo, Endava's CIO, and Bradley Howard dive into some of the aspects that influence gender diversity in the workplace and offer valuable insights on how leadership groups can promote the advancement and equal opportunities for women in their organizations.   They also shed light on mentorship projects and highlight the benefits of mentorship for both mentors and mentees.   Tune in to learn more about what can be done to support and empower women in STEM.

In our 100th episode, Helen Pownall and Bradley Howard discuss the reasons behind the underrepresentation of women in tech, and they shed light on how organisations and individuals can improve gender diversity.   They touch upon the importance of creating an inclusive workplace culture that values diversity and provides equal opportunities for everyone.   Helen also shares some practical tips for companies to attract and retain more women in tech roles, such as providing mentorship and sponsorship programs.    Any more suggestions? Join the conversation @Endava on Linkedin.

In this last episode of the Digital Next aviation special series, Roshina Nandra, PhD   - Product Development Executive and Innovation Strategist and Justin Marcucci - Chief Digital Officer at Endava explore practical ways to modernize legacy systems without pressing pause on day-to-day operations. Discover how airlines can rise above difficulties, make the most of their underutilized data, and, ultimately, accelerate digital strategies.  

As ‘digital travellers' demand more control over their purchase journey and seamless transactions, this episode will explore the need for airlines to not only modernize its technology but make fundamental changes to transactional assumptions with digital models. Scott Harkey, EVP Financial Services and Payments, Endava, will also discuss how airline payments processes can accelerate digital strategies and bridge the gaps to achieving frictionless experiences; from subscription models to loyalty programs, cashless transactions and more.

In the first part of Digital Next Aviation Podcast our colleagues Roshina Nandra, PhD   - Product Development Executive and Brian Estep, Global Head of Mobility, Endava as they explore how aviation can learn from adjacent industries to realize the future of Mobility as a Service, including logistics, banking and capital markets, retail, insurance and more. Tune in and delve into how airlines can both learn best practices from sectors that are more digitally mature, but also how they can partner with them to sell their services and generate new revenue possibilities.

In this week's podcast episode, we'll explore the entrepreneurial spirit and the challenges of starting your own business. Kelly Baynes, owner and co-founder of The Lemon Quarters and Nurture Network, discusses her favourite projects and shares her advice on how to succeed in starting your own business.   I  think  as  people,  as  business  professionals,  we  often  let  perfection  be  the  enemy.  I  think  nothing's  really  more  important  than  getting  your  ideas  out  there  in  front  of  the  people  who  will  be  your  potential  customers,  people  who  don't  know  you,  basically,  people  who  aren't  family  and  genetically  predisposed  to  be  kind  to  you.  I  think  there's  a  tech  mantra,  is  it  fail,  fail  quickly,  fail  better.  It  comes  from a Samuel  Beckett  quote,  but  reality  really  is  that  best  teacher.  We  learn  so  much  more  from  our  mistakes,  or  the  things  that  we  don't  do  well,  or the  things  we  can  improve on  much  more  than  any  success  we  might  have.  Really,  how  can  you  improve  if  you  don't  start? Tune in to find out more and join the conversation @Endava on LinkedIn!

Thomas Bedenk, Endava's VP of Extended Reality, has joined us again on the Tech Reimagined Podcast for what turned out to be a very insightful conversation on the metaverse and its opportunities for businesses in the years to come. He believes the public's growing appetite for virtual reality experiences that feed into the metaverse is mostly driven by the growth of the gaming industry and the increasing use of games as a social and exchange medium. However, it's essential to distinguish the metaverse from the games industry and gaming as a whole. Virtual items in these games have a real economy, and virtual items can be as real as physical items to those who own and use them in the metaverse, which has the potential to transform business models and how companies interact with customers. How exactly? Find out in this episode and share your opinion @Endava on Linkedin.

Innovation is a strategic game with long-term results. To play it right, one must ask the right questions, and create the proper context and space to help people thrive.  Join Bradley and Eoin Woods this week as they discuss a subject very important to him and Endava – innovation in technology. Delve a bit into how we foster innovation within our teams and what it means for everyone involved.  Bradley Howard: Eoin,  today  I  really  want  to  talk  about  how  to  incubate  innovation.  So what are  the  essential  preconditions  for  novelty  of  cultures  within  organizations? Eoin Woods: Thanks  Bradley.  It's  a  complicated  question,  isn't  it?  Because  so  many  people  talk  about  innovation and  so  many  people  say  they've  delivered  innovation  and  yet  sometimes  it's  quite  hard  to  know  what  they  mean.  For  me,  innovation  is,  I  think  what  you  said  in  the  introduction  is  real  impactful  change  to  the  way  the  organizations  either  work  or  deliver  the  services  or  the  products  that  they  create.  I  think  the  most  essential  precondition  for  innovation  within  an  organization  is  an  acceptance  of  failure.  I  hear  quite  a  lot  of,  we  sometimes  even  get  this  with  our  clients  who  are,  hear  quite  a  lot  of  organizations  talking  about  the  need  for  innovation  and  how  they  want  to  innovate  and  then  when  they  start  talking  to  people  about  let's  start  doing  some  innovation  they  say, " How  long  will  it  take?  How  much  will  it  cost,  and  what  will  I  get?"  And I  always  look  at  them  slightly  confused.  Well  if  it's  innovation  you  won't  know  any  of  those  things in  the  beginning.  I'm  afraid  that's  just  development  or  business  development  or  whatever  it is.  I  think  taking  risks,  I  think  being  prepared  to  learn  from  failures  and  doing  failures  is  a  positive  thing,  which  is  much  easier  said  than  done  especially  when  it's  your  money  you're  spending.  I  really  do  feel  for  senior  managers  who  just  feel  that  they're  abandoning  money  to  a  black  hole  but  they  do  have  to  let  go  and  just  see  what  happens.  And  I  think  the  other  precondition  is  the  fact  that  innovation  is  actually  done  in  the  business.  The  biggest  anti  pattern  I  see  in  innovation  is  a  separate  innovation  center.  You  can  always  tell  innovation  centers  because  the  people  dress  differently  and they  have  totally  non- standard  IT  hardware.  If  the  organization  is  a  window  center,  they  will  inevitably  have  max.  If  the  main  organization  is  a  max  center,  they  will  inevitably  have  Linux  machines  and  they  go  off  and  innovate  in  a  bubble  and  then  when  they  try  and  come  back  and  apply  that  innovation,  the  organization  kind  of  rejects  the  organism  because  it  just  doesn't  fit  with  the  way  the  organization  works  and  its  real  needs.   Enjoyed this segment? Have a listen to the whole episode and join the conversation with us: @Endava on Linkedin. 

Join us and Endava's VP of Extended Reality, Thomas Bedenk, in this very first episode of 2023, where he highlights the recent advancements in virtual and extended reality, like AI-trained conversational models such as chatGPT.  While chatbots have been around for decades, only recently have they become more prevalent with advancements in AI and language models. He believes that these advancements have the potential to revolutionize the way virtual worlds, user-generated content and large productions are created.  Thomas also raises ethical concerns, such as the potential for confusion between human and AI interactions in virtual reality, issues of identity, and copyright. He emphasizes that organizations must consider how they want to approach and adapt to this rapidly advancing technology. Have a listen and let us know your opinion @Endava on Linkedin.

As we step into a new year, take another deep dive with us and revisit some of our guests' opinions on the technology trends and insights shaping our present and future in different industries.  Hear what Eoin Woods has to say about technology innovation in general, then discover what the future of insurance companies might look like in Dame Inga Beale's opinion. Immerse in the innovation that healthcare has known in the last few years in this lengthy segment with Dr. Gillian Halley. See what a former-hacker-now-security-expert has to say about the future of security with Greg Van Der Gaast. Helen Pownall discusses how the pandemic has shaped their plans, and finally Scott Harkey envisions a more accountable future for fintech organisations.  Tune in and let us know: What are the most important technology trends you look forward to in 2023? 

As we're getting closer and closer to the end of the year, look back with us at some of our favourite highlights of this season, so far. After all, ‘tis the season to rejoice and look back in fondness at the year that just passed. Feel inspired by following these crumbs of PIE which will lead to success in your career, as shared by Dame Inga Beale. Then learn about the importance and the power of data in healthcare and fintech – with Dr. Gillian Halley and Scott Harkey. Tune into your innovative spirit by learning from Stephane Malrait's s lessons on innovation initiatives in ING. Take a quick and realistic view of blockchain with our own Wynn Davies. And finally, for the year ahead, think of making the world around you, at work, a little better by focusing on exactly how much work you plan to achieve in a determined amount of time by learning more about what takes great teams through troubled times with Helen Pownall.  We hope you'll enjoy this mash-up, and we invite you to reflect on some of the lessons in your past months and share them with us. 

In this week's episode. Eoin Woods, Endava's CTO shares some of his extensive knowledge on software architecture as a discipline, how we practice it in our projects, and what makes software architects one of the key roles in large technology projects. Please tune in to learn more about this role and its many characteristics.

Teamwork makes the dream work, that's for sure. So what exactly makes teams tick? What are the ingredients of a successful team? What can organisations do to better support highly proficient and functional teams, through hard times and lots of legacy code? Here with us to discuss this exciting and crucial subject and share her vast experience is Helen Pownall, Engineering Programme Director at SportRadar.

Are you curious to find out what a CTO does? Grab your ear buds and listen to Eoin Woods, Endava's CTO share a snapshot of his professional life and how the B2B tech landscape has been evolving in that past decades.  "From  our  perspective  as  suppliers,  we're  desperately  trying  to  understand  as  much  as  we  can  about  the  client  side,  and  that  varies  hugely  by  client.  As you know,  some  clients  share  everything  with  us,  some are  very  careful  about  what  they  share  with  us.  And  so  we're  always  trying  to  fill  in  the  gaps  to  understand  what the client really needs  as  opposed  to  perhaps  what  we've  been  asked  for in  the  last  week.  So  it's  a  strange  dance  between  the  two,  but  it  really  is  why  we  see again and  again  at Endava why  clients  who  engage  with  us  in  a  genuine  partnership  get  so  much  more  out  of  us  than  treating  us  as  somebody  that  they  have  a  contract  with."

Can technology help speed up the way we help the communities around us?    This week on Tech Reimagined, Scott Harkey, our EVP of Financial Services and Payments talks about how companies in the finance space are impacting social equity and sustainability initiatives for the people in the communities in which they activate.   Tune in to learn more.

If you can imagine a data point, any really, in the activities surrounding a sport, SportRadar is there to collect and analyse it with the help of technology. Sounds exciting, isn't it? Tune into this week's episode of Tech Reimagined and learn about the many ways in which data can be leveraged to enhance both fans' experiences and athletes' performances with our guest - Helen Pownall, Engineering Programme Director at Sportradar.    Share your thoughts with us - what do you think of the marriage between sports and technology? 

What opportunities arise at the beginning of a recession and what should companies focus on? What will the new year bring in the relationship between payment players and their customers? This week on Tech Reimagined, Scott Harkey, our EVP of Financial Services and Payments talks about payments and how the industry is looking now that most of the world is experiencing a certain level of economic turmoil.

What will shape the future of banking in the years to come? What will be the key differentiator in the relationship people have with financial institutions? Scott Harkey, our EVP of  Financial  Services and  Payments shares his opinion on what the current state of tech in financial services is and what the future holds in store for banks, payments processors, clients and partners involved in creating this ecosystem. Don't worry, it's not all business; you'll also find out what Scott is into when he's not shaping the future of financial tech. And it's interesting, we promise.

Our data footprint is increasing by the minute.  But what happens with our personal information once we've shared it with different companies?     Is it safe to share it? And if so, is it truly kept securely? Tune in to hear security enthusiast and expert Greg Van der Gaast share his thoughts on the subject.  Greg: The  bigger  the  chain  gets,  whether  it's  one  company  with  just  a  sheer  scale  of  factors  and  people  and  locations  or  smaller  companies that  are  reliant  on  other  companies where you get  a  chain  of  dependencies,  the  bigger  it  gets,  the  more  difficult  it  is  to  actually  protect  data,  especially  when  people  are  constantly  pushing  to  drive  value  out  of  data.  Data  science  is  an  incredible  thing  and  we  use  it  to  drive  business.  We  try  to  find  ways  of  making  money  out  of  data.  And  every  day  we  use  Google,  we  do  searches.  We  watch  videos.  We  don't  have  to  pay  for  any  of  this  stuff,  and  yet  people  are  making  a  killing  off  of  it.  It's  like  we're  getting  free  stuff  and  yet  someone's  earning  money  off  giving  it  to  us.  It's  only  when  you  do  that,  the  expression  that  if  you're  not  paying  for  it,  you  are  the  product.  And  you  have  to  be  aware of  that.  You  are  the  product.  You're  selling  a  part  of  yourself  to  get  this  service,  to  get  this  convenience.  And  that's  just  the  equation.  There's  no  way  around  it.  And  that's  it.

Whilst the hype around AI is justifiable the reality around how it's being used in banking and capital markets looks a lot less exciting and more down to earth. Tune in and find out more in this insightful episode. Where can AI help banks and traders? How is AI being used nowadays and where is the industry heading? Will AI determine the unsafe usage of unstructured data? Listen to Bradley Howard and seasoned experts Stephane Malrait MD Global Head of Market Structure and Innovation for Financial Markets at ING and  Pierre  Kovacs,  Industry  Consultant  Banking  and  Capital  Markets take a closer look at how AI is shaping the banking industry. “…it's  still  under the  supervision  of  a  trader  on  the  desk.  So all the automations  that  we do there is  people  monitoring  it  in  real  time.  The  machine  is  never  alone  to  make  those  decision  and  to  manage.  There  is  always  supervision  on  top  of it. So I think we put a lot of  safeguards  to  make  sure  it  doesn't  go  crazy.  And  even  the  regulator,  as  I  say,  want  to  make  sure  that  all  the  algorithms  that  we  write  are  tested,  validated  review  approved  by the compliance officer,  the  risk  manager,  et  cetera.  So  there is a algo framework  model  that  is  used  by  every  bank  and  validated  by  regulators  to  be  able  to  put  those  barriers.  And  I  think  it's  needed.  And  it  fair  that  those  barrier  exists  to  make  sure  the  system  stay  resilient  and  safe  for  clients.” – Stephane Malrait