It will interest you to know that customers are usually open to being nudged, guided and assisted in making better decisions; yet most banks have not shown the ability to harness the power of broad customer relationship information to deliver real value to their customers beyond traditional product silos.
I'll spend a bit of time talking about some of the structural concerns that I think are very important to our future prosperity. In light of the global challenges that have become very clear to us all, I'll particularly focus on the necessity of a well-trained and flexible workforce.