Chetan Tolia, Head of Digital Business Transformation at UBS Investment Bank, talks to Martin Scheck, ICMA Chief Executive about  unlearning the past and relearning to reinvent the business model and create a radical future, and how COVID-19 has forced us all to do this on a wider scale. The momentum building in tokenisation and the role of regulators, major developments in market infrastructure and the challenges of managing change and innovation in a large institution all feature in the discussion.