Everyone talks about digital transformation, AI, fintech, and innovation. But why do so many transformation projects fail?In this episode of Messy Growth, I sit down with Tom Hill, CEO of Zyntrix and former retail transformation leader at Sainsbury’s, Poundland, KFC, and SSP.After spending nearly two decades on both the operational and executive sides of retail, Tom shares why businesses don’t actually care about technology - they care about outcomes.We discuss:• Why great products still struggle to sell• Why resistance to change usually starts in the boardroom—not on the front line• The future of Open Banking and Pay by Bank• Why loyalty programs often fail• What retailers get wrong about customer experience• AI hype vs solving real business problems• Lessons from leading transformation inside large enterprisesWhether you’re a founder, product leader, sales executive, or operator, this conversation is packed with practical lessons on building products people actually adopt.About Tom HillTom Hill is the CEO of Zyntrix, a fintech company focused on Open Banking, digital identity, and loyalty. Before becoming CEO, he spent nearly two decades leading retail operations and digital transformation across major brands including Sainsbury’s, Poundland, KFC, and SSP.