Today's guest is Chris Tapley, Vice President and Head of Financial Services Consulting for North America at EPAM Systems. EPAM is a global digital engineering company that provides software development and consulting services across industries, including financial services, healthcare, and media. With deep experience guiding AI adoption in regulated industries, Chris joins Emerj Editorial Director Matthew DeMello on the show today to unpack the foundational challenges facing financial institutions as they move from experimentation to production. He explores the technical and organizational barriers that often stall AI projects, from legacy systems and cloud limitations to gaps in data strategy and executive alignment. Chris shares lessons from EPAM's recent market research on AI maturity in financial services — including how long it typically takes to establish enterprise-ready AI governance and why business leaders must prioritize infrastructure, collaboration, and oversight well before model deployment. Want to share your AI adoption story with executive peers? Click emerj.com/expert2 for more information and to be a potential future guest on the 'AI in Business' podcast! This episode is sponsored by EPAM. Learn how brands work with Emerj and other Emerj Media options at emerj.com/ad1.