Josh Bottomley, Global Head of Digital, HSBC, begins by asking the question: where will the Bank of the Future will come from, London, Shenzen, Silicon Valley, or somewhere completely different? This talk focuses on the bank of the future and what banks must get right to achieve success in the coming years.Josh Bottomley argues that there are four things that the Bank of the Future must do to succeed in providing an excellent customer experience. Firstly, they need to get customer orientation right. Secondly, they need to be good at risk management, the customer depends on their bank to protect them and their data. Thirdly, Banks must successfully utilise the power of data and technology to better improve the customer experience. Lastly, they must understand how technology changes the way that we work. Josh delves into the digital transformation of banks and whether it is possible for the traditional banks to digitally transform. The episode will delve into how HSBC is applying data and technology to better meet the needs of its customers. The talk looks into the importance of improving the customer experience and how HSBC can achieve this through successfully utilising the latest developments in technology, such as machine learning. An example being more efficiently responding to customer complaints through the use of machine learning. Finally, this talk focuses on the use of data and how difficult it is to navigate the obstacle course that data use and regulation presents.