WEBVTT NOTE duration:"01:12:46" NOTE recognizability:0.856 NOTE language:en-us NOTE Confidence: 0.39013186 ab7e5e68-08ad-4297-8b5f-4a01464d2446 00:00:02.420 --> 00:00:05.060 Right? Right? NOTE Confidence: 0.859092512 f7ba5f8b-b6a7-4018-afba-7f9293bc2a54 00:00:07.680 --> 00:00:12.110 Hello everybody, greetings from Bangor NOTE Confidence: 0.859092512 999a772e-f68b-4a7d-babc-453f4e655cb5 00:00:12.110 --> 00:00:14.744 and also beginning with group with NOTE Confidence: 0.859092512 f5298bf7-0e8c-4704-b378-234b2274bb01 00:00:14.744 --> 00:00:17.459 big greetings from Andrew in Botswana. NOTE Confidence: 0.859092512 1e03269d-0613-4962-835c-d634dec96f45 00:00:17.460 --> 00:00:20.526 So it's the two bees today. NOTE Confidence: 0.859092512 ba5ea3c7-115e-49ca-9162-9d8110e7b9ca 00:00:20.530 --> 00:00:22.978 What's Lana and Bangor? NOTE Confidence: 0.859092512 03ae5259-1619-4767-affd-a03f07af239f 00:00:22.978 --> 00:00:25.620 Uh, it's great to have you joining us NOTE Confidence: 0.859092512 98747cc2-d086-47cc-a43b-4b85accd6e90 00:00:25.620 --> 00:00:27.370 and obviously great to have Andrew, NOTE Confidence: 0.859092512 46a356cf-bd88-4371-a3ce-498e36cc62ed 00:00:27.370 --> 00:00:28.518 because otherwise we'd have NOTE Confidence: 0.859092512 bea153c9-954e-48b7-843a-7d2a05dfeed7 00:00:28.518 --> 00:00:29.666 nothing to talk about, NOTE Confidence: 0.859092512 6506a571-839a-4e14-a846-ae889e2c49ef 00:00:29.670 --> 00:00:31.952 but it's great to have you all NOTE Confidence: 0.859092512 1dda62c2-f180-4159-9964-035d7128e244 00:00:31.952 --> 00:00:34.678 joining us so that we can hear NOTE Confidence: 0.859092512 87603422-91c4-4072-9d4f-0a070dbf614a 00:00:34.678 --> 00:00:38.070 Andrew's experience and broadly, NOTE Confidence: 0.859092512 81598f7b-77c5-4cc9-8a55-b983cd14a089 00:00:38.070 --> 00:00:39.358 it's around the topic. NOTE Confidence: 0.859092512 1ce63fbf-aa1e-49ed-84d7-da57dc871ad3 00:00:39.358 --> 00:00:41.976 You can see there a discussion NOTE Confidence: 0.859092512 227cd042-80d6-42e6-b60f-63932fd35360 00:00:41.976 --> 00:00:45.291 on attaining senior positions in NOTE Confidence: 0.859092512 ed68e2fe-9762-4f14-8930-74fa8ddd83a1 00:00:45.291 --> 00:00:48.060 the financial services sector. NOTE Confidence: 0.859092512 7c897351-2306-488c-bfc3-ead885acb2fc 00:00:48.060 --> 00:00:49.768 Uhm, what's on the next slide Schaunard? NOTE Confidence: 0.859092512 31b78c8a-5dc0-4d5d-91c0-6dd911b16c45 00:00:49.770 --> 00:00:51.394 Is it a little bit of history there? NOTE Confidence: 0.859092512 da625b12-0862-409a-8f4c-8c5250a45f59 00:00:51.400 --> 00:00:53.866 Yes, a little bit of history NOTE Confidence: 0.859092512 e3643e7e-d9f9-4d7c-9a4c-cc9c5d0f613a 00:00:53.866 --> 00:00:55.201 there about Andrew, NOTE Confidence: 0.859092512 a6556984-a341-48ba-8851-d0f068553920 00:00:55.201 --> 00:00:58.267 which you can read for yourselves. NOTE Confidence: 0.859092512 33cd12ee-31ee-45b0-ad0a-78222e650d8a 00:00:58.270 --> 00:01:00.834 But just to summarize, NOTE Confidence: 0.859092512 6882e91c-ff9a-4d4e-9610-276a85a55f6a 00:01:00.834 --> 00:01:04.975 he's got more than 25 years of NOTE Confidence: 0.859092512 c2ca04e8-0a0e-4f54-b992-d5bfc937309b 00:01:04.975 --> 00:01:06.688 international banking experience. NOTE Confidence: 0.859092512 6741e475-1a42-4cf9-bbde-bfeaa03b5345 00:01:06.690 --> 00:01:08.365 We'll be exploring a little NOTE Confidence: 0.859092512 0ad08aca-6c3e-4e11-8d52-3cab865537da 00:01:08.365 --> 00:01:10.052 of that with him today. NOTE Confidence: 0.859092512 32a7f025-87f6-4820-9373-232e1c33c3d4 00:01:10.052 --> 00:01:12.104 I've asked him to come prepared NOTE Confidence: 0.859092512 40f73a1b-a49e-4118-bfd2-1b8decd5239c 00:01:12.104 --> 00:01:14.654 to talk a little bit about what NOTE Confidence: 0.859092512 92c4e92f-63e6-4182-adb4-00f57a7983b0 00:01:14.654 --> 00:01:17.378 he was doing before he joined the NOTE Confidence: 0.859092512 ff9bb82c-a2d8-46d9-838e-7da8ed7e1e0f 00:01:17.378 --> 00:01:19.258 Chartered Banker MBA program. NOTE Confidence: 0.859092512 1074d24e-293b-4225-9fb3-8c91677d683c 00:01:19.260 --> 00:01:22.160 This webinar is arranged for NOTE Confidence: 0.859092512 839b477a-6a23-4a1d-8cb4-738174a78d25 00:01:22.160 --> 00:01:25.580 you by the Chartered Banker MBA, NOTE Confidence: 0.859092512 189549bb-c940-4272-bade-3ddb7e502b67 00:01:25.580 --> 00:01:29.174 which is delivered by Bangor University NOTE Confidence: 0.859092512 29817001-12c4-411b-a390-d45730256c70 00:01:29.174 --> 00:01:31.570 with our professional institution NOTE Confidence: 0.859092512 cb1a815f-68da-4142-829d-dac95c2d7b89 00:01:31.659 --> 00:01:34.367 partner Chartered Bank Institute. NOTE Confidence: 0.859092512 b01e671b-003d-40ec-840b-e71237ea8661 00:01:34.370 --> 00:01:39.706 And the idea is to hear about Andrews. NOTE Confidence: 0.859092512 617f0914-2b32-4fd1-8a13-e93df4004bf3 00:01:39.710 --> 00:01:41.866 Route to the top, so to speak, NOTE Confidence: 0.859092512 26862723-565e-44a9-b8ea-47e2a0f75378 00:01:41.870 --> 00:01:46.300 and also how the CB MBA has helped NOTE Confidence: 0.859092512 978ba6c6-ec86-492a-be5a-c28d298af42b 00:01:46.300 --> 00:01:51.080 him and then to explore with you. NOTE Confidence: 0.859092512 d6d611ba-c1b5-4246-87bb-881e61dcee1b 00:01:51.080 --> 00:01:52.820 You have the opportunity to NOTE Confidence: 0.859092512 bc9159fb-65cc-4b1c-a666-e6491ebe0a32 00:01:52.820 --> 00:01:53.864 ask some questions. NOTE Confidence: 0.859092512 175afe1f-08c4-46e4-9bc4-a6bf731b570f 00:01:53.870 --> 00:01:55.838 The best way to do those NOTE Confidence: 0.859092512 76b88442-6124-422c-8b66-ad88a20a6d7e 00:01:55.838 --> 00:01:57.550 rather than interrupt the flow. NOTE Confidence: 0.859092512 f2ab0281-2d75-4587-9ea8-5f82fb416f8e 00:01:57.550 --> 00:02:00.510 The best way to handle those questions will NOTE Confidence: 0.859092512 d6786612-433c-4ef1-9db2-0d0817ae5b5c 00:02:00.510 --> 00:02:03.745 be if you pop them into the chat area. NOTE Confidence: 0.859092512 4ec54099-bfd8-48d0-a8c2-deba710ed7e5 00:02:03.750 --> 00:02:05.630 That's where we've done them in the past. NOTE Confidence: 0.859092512 577a866e-3353-40e3-a046-31f785a7a5b4 00:02:05.630 --> 00:02:08.304 You put them into the chat area NOTE Confidence: 0.859092512 1707deaf-ad04-4e3d-b30b-fedf506df371 00:02:08.304 --> 00:02:09.960 and then I'll pick. NOTE Confidence: 0.859092512 b5f0b75a-cced-48ea-9238-fdf586afdeed 00:02:09.960 --> 00:02:13.383 The amount as appropriate at the right NOTE Confidence: 0.859092512 9f585422-0846-4152-9d6c-946c13fae7d2 00:02:13.383 --> 00:02:16.568 time for Andrew to have an answer. NOTE Confidence: 0.859092512 18efc106-7393-4995-8e4f-4a183906bc4d 00:02:16.570 --> 00:02:18.978 In his current role, NOTE Confidence: 0.859092512 916ec410-4d63-4304-b080-884a8ceb48c8 00:02:18.978 --> 00:02:21.988 Andrew has been responsible for NOTE Confidence: 0.859092512 a0b1d002-14c8-4de5-9263-dad8cc93407a 00:02:21.988 --> 00:02:25.705 shaping and leading the execution of NOTE Confidence: 0.859092512 6ba01e07-f718-4e1e-8bfd-a0b1401f31d3 00:02:25.705 --> 00:02:28.476 Latigos visionary transformation strategy. NOTE Confidence: 0.859092512 e015078f-635e-4a93-9253-311306568e48 00:02:28.476 --> 00:02:30.642 Underpinned by digitalization NOTE Confidence: 0.859092512 129d5a4a-1099-40fc-8afe-1d449bc76e6b 00:02:30.642 --> 00:02:34.286 of systems and processes across NOTE Confidence: 0.859092512 9894cb11-27a1-47c3-bf33-765246a927dd 00:02:34.286 --> 00:02:36.950 geographies and customer journeys. NOTE Confidence: 0.859092512 b265ac05-c940-42b3-a82c-4f4d2dbeb061 00:02:36.950 --> 00:02:38.885 Those few words that suggest NOTE Confidence: 0.859092512 07afc381-0ee7-4b5f-a50f-a78ae8e503f3 00:02:38.885 --> 00:02:41.851 to me that what he's got to say NOTE Confidence: 0.859092512 92652bbf-d877-47aa-bead-c8b89cda6f8c 00:02:41.851 --> 00:02:43.747 is relevant to all of us. NOTE Confidence: 0.859092512 10492fa0-a28d-4d05-977a-b1f00589f437 00:02:43.750 --> 00:02:46.006 We are at various stages around NOTE Confidence: 0.859092512 9ab3b14f-13b8-4ed2-8e70-2439677e8cd6 00:02:46.006 --> 00:02:48.029 the world of coming out of NOTE Confidence: 0.859092512 a849947f-2768-406e-ab11-5840a2fede2d 00:02:48.030 --> 00:02:50.190 the COVID-19 situation. NOTE Confidence: 0.859092512 0feed33a-03da-4dfd-875f-10ede6f17799 00:02:50.190 --> 00:02:53.070 Digitalization has grown around NOTE Confidence: 0.859092512 cebbf826-437d-4d0c-a703-8df8fceed9cb 00:02:53.070 --> 00:02:56.094 the world phenomenally much more, NOTE Confidence: 0.859092512 e149582e-00f4-4f4b-b052-e97b15f32f78 00:02:56.094 --> 00:02:58.734 and accelerated faster than my NOTE Confidence: 0.859092512 24ccb0d9-d173-4fc1-a9fb-e9f33624e502 00:02:58.734 --> 00:03:00.929 previously have been expected. NOTE Confidence: 0.859092512 9ac40539-f71b-403c-8240-545955d4be12 00:03:00.930 --> 00:03:02.550 So it's across all geographies. NOTE Confidence: 0.859092512 eeb2440e-5f46-4923-a5b8-74f3c98b4fbe 00:03:02.550 --> 00:03:04.980 But it is very much about NOTE Confidence: 0.859092512 894e388c-a846-415c-934c-bc1c0c118b2b 00:03:04.980 --> 00:03:06.195 the customer journey. NOTE Confidence: 0.859092512 bddebf07-688f-4d62-ad24-03bb1b900eec 00:03:06.200 --> 00:03:06.828 How? NOTE Confidence: 0.859092512 4ad3f82e-16f5-4ce7-8711-ccf075820bf9 00:03:06.828 --> 00:03:08.084 Organisations, providers, NOTE Confidence: 0.859092512 f0c959b7-0c09-4177-8ae9-6e73034ca800 00:03:08.084 --> 00:03:09.968 including educational institutions NOTE Confidence: 0.859092512 d5c0c379-a83d-44e9-a4af-b0f142334db0 00:03:09.968 --> 00:03:13.250 like the university here in Bangor, NOTE Confidence: 0.859092512 977311d8-d9b9-4748-a139-e653d893a500 00:03:13.250 --> 00:03:16.778 how we work and help our NOTE Confidence: 0.859092512 290f6b15-a842-4d22-bc77-71900cba1e52 00:03:16.778 --> 00:03:19.130 customers along that journey. NOTE Confidence: 0.859092512 b1764107-3849-42c3-a09e-6f5c1480edb4 00:03:19.130 --> 00:03:22.610 So enough of me. NOTE Confidence: 0.859092512 cb767d26-7650-4e6a-a891-2f329e442e3d 00:03:22.610 --> 00:03:24.140 Meeting things you can see on NOTE Confidence: 0.859092512 4301bd7b-ac17-422d-841f-e4615be5e601 00:03:24.140 --> 00:03:24.905 the slide there. NOTE Confidence: 0.859092512 e8648ef3-90fa-46db-b65a-e595942e41c3 00:03:24.910 --> 00:03:26.278 Let's get to Andrew. NOTE Confidence: 0.859092512 348a890b-df04-4243-9521-1d6f32513c0f 00:03:26.278 --> 00:03:27.646 The next slide says, NOTE Confidence: 0.859092512 b9198acd-b548-48ea-afd2-e48adb412b8f 00:03:27.650 --> 00:03:29.267 what's Shawna just have a quick look. NOTE Confidence: 0.69987343 3eeb8162-4378-4770-8984-0bbceccf62f8 00:03:32.070 --> 00:03:33.210 Yeah, it's just for you too. NOTE Confidence: 0.69987343 3edcc66c-7e21-4ff0-8514-d2055315d940 00:03:33.210 --> 00:03:34.950 Can you continue your discussion now? NOTE Confidence: 0.69987343 805dcdf5-e956-48f7-9752-9e968f8e795f 00:03:34.950 --> 00:03:38.550 Steven, I'll slides for a bit, right? NOTE Confidence: 0.69987343 fc4ac7a7-358e-4e77-8b2d-14fe7107f589 00:03:38.550 --> 00:03:40.650 OK, right, so it would be better NOTE Confidence: 0.69987343 9fdeefce-ad2a-4a5d-9b35-b95e483f4cfc 00:03:40.650 --> 00:03:42.887 to see a big picture of Andrew. NOTE Confidence: 0.69987343 fe2bdf16-b9c6-4ff5-8536-4f2e093e00dc 00:03:42.890 --> 00:03:45.319 Although the words there would be useful. NOTE Confidence: 0.69987343 660c91e0-93ff-4c53-86dd-e081b4630a37 00:03:45.320 --> 00:03:48.218 Welcome again, there we go there NOTE Confidence: 0.69987343 74b1f3cd-7e12-49ca-aff8-7d77087552e3 00:03:48.218 --> 00:03:50.880 we are welcome again Andrew. NOTE Confidence: 0.69987343 361e8de5-670e-4d9b-8d27-f76c1104b6e6 00:03:50.880 --> 00:03:52.616 I particularly like the NOTE Confidence: 0.69987343 1a941372-e647-49a9-a2e5-efd3a2765116 00:03:52.616 --> 00:03:55.220 image behind you in the top. NOTE Confidence: 0.69987343 f7ad6c76-4d57-4dfe-8fbd-4fa0f40fe434 00:03:55.220 --> 00:03:57.138 Well, it's my left right hand corner. NOTE Confidence: 0.69987343 8ef67c42-4c21-412f-a02f-b762b7074b63 00:03:57.140 --> 00:04:00.122 It's over your left hand shoulder is NOTE Confidence: 0.69987343 18a07f70-efe4-40f1-8ba5-be7179fe8425 00:04:00.122 --> 00:04:02.996 the connections on a circuit board. NOTE Confidence: 0.69987343 80f7bbb6-913f-400d-ac6e-d2d6e14a5120 00:04:02.996 --> 00:04:06.188 I imagine the digital dimension digital NOTE Confidence: 0.69987343 957b0fd7-d144-4d36-97f0-41f3409ad535 00:04:06.188 --> 00:04:09.813 power and it's in the shape of of Africa. NOTE Confidence: 0.69987343 accea9de-1e60-4903-a72a-46a861168c04 00:04:09.820 --> 00:04:12.394 So if we could just talk a little bit NOTE Confidence: 0.69987343 4a9a621e-d4a5-4930-95c6-8da07b51a8c3 00:04:12.394 --> 00:04:14.591 about before you started the CB MBA NOTE Confidence: 0.69987343 fd7a73ea-c0af-41dd-86ee-4a8802a65641 00:04:14.591 --> 00:04:17.115 at what you were doing and things and NOTE Confidence: 0.69987343 68b7e14c-b3d0-4175-b933-255000df8100 00:04:17.115 --> 00:04:19.432 and what was it that made you think NOTE Confidence: 0.69987343 8b9875d4-5ed2-450f-a540-791b8523b81c 00:04:19.432 --> 00:04:22.640 about taking the course, please? NOTE Confidence: 0.69987343 d2f8c02f-9fd4-44ba-bc7d-451f54156cc5 00:04:22.640 --> 00:04:25.223 OK, thank you very much Steven and NOTE Confidence: 0.69987343 520fc352-2c98-4a90-a828-2485eaf0a071 00:04:25.223 --> 00:04:27.946 and thank you for having me on the NOTE Confidence: 0.69987343 78cc41bf-510a-4dd5-af10-e541bd03e658 00:04:27.950 --> 00:04:30.998 program and I must say first of all, NOTE Confidence: 0.69987343 684db834-cddc-430a-a3ad-f061921d83b3 00:04:31.000 --> 00:04:34.850 thank you also to the CB MBA NOTE Confidence: 0.69987343 0c35877f-f816-4f9b-a053-4676b30ad132 00:04:34.850 --> 00:04:38.184 program for launching this series NOTE Confidence: 0.69987343 fc14edeb-7d02-4293-a818-89e68e50ec69 00:04:38.184 --> 00:04:40.984 and for bringing people to talk. NOTE Confidence: 0.69987343 28efcd5f-7193-4026-988d-56c4f7e731ed 00:04:40.984 --> 00:04:43.960 I think just from my own experience, NOTE Confidence: 0.69987343 d4f03d76-c79a-493b-8ac8-d2a273f8da14 00:04:43.960 --> 00:04:46.732 some of the most important and telling NOTE Confidence: 0.69987343 6072cba7-fb2e-4905-9072-b139a8e36c74 00:04:46.732 --> 00:04:49.482 experiences I had even was on the program NOTE Confidence: 0.69987343 72d82c57-ad45-498f-a204-1fef9a48fd53 00:04:49.482 --> 00:04:52.630 or some of the the presentations that we had. NOTE Confidence: 0.69987343 d8de37b8-d90f-439c-9f82-ddc8193d8123 00:04:52.630 --> 00:04:55.270 Which may even have come from NOTE Confidence: 0.69987343 15f347a4-cf67-4e69-a6f6-61ae910302ec 00:04:55.270 --> 00:04:57.030 the presenters and lectures, NOTE Confidence: 0.69987343 dc8b8c2f-d93f-44cc-8199-6544ee8cb947 00:04:57.030 --> 00:04:59.347 even outside of the normal classroom work. NOTE Confidence: 0.69987343 6bfb15a1-fed3-4e53-9ef0-09e0a75ef761 00:04:59.350 --> 00:05:02.806 So I think this this is great and it's NOTE Confidence: 0.69987343 45bdf854-ed10-4167-b7a2-d64a84ec0a18 00:05:02.806 --> 00:05:05.357 fantastic to be able to participate. NOTE Confidence: 0.69987343 89fed37a-178d-4077-bb2d-fbfd9250a17c 00:05:05.360 --> 00:05:07.568 I still have a. NOTE Confidence: 0.69987343 9ea977b7-4d10-4322-98ff-feeefe9e212c 00:05:07.570 --> 00:05:10.013 A very soft spot for Bangor and NOTE Confidence: 0.69987343 b8a5e693-528b-4460-b377-080606cdb82d 00:05:10.013 --> 00:05:12.690 and the and the CB MBA program. NOTE Confidence: 0.69987343 a047e200-3f50-436c-98b2-b2f32b960224 00:05:12.690 --> 00:05:15.589 I'm not shy to talk about it, it's very it. NOTE Confidence: 0.69987343 8618a015-676b-43bf-a35c-380e000943a2 00:05:15.589 --> 00:05:19.140 It made quite an impact for me and and it's NOTE Confidence: 0.69987343 bc6cdd80-25f9-47a9-a1cb-c782ebc18d48 00:05:19.140 --> 00:05:21.590 one of the the best programs I attended. NOTE Confidence: 0.69987343 25fb9404-f839-4e30-b66f-5b8c601ec1ce 00:05:21.590 --> 00:05:23.550 So very keen to be part and NOTE Confidence: 0.69987343 a22898c8-dbf1-4a33-855b-806408755eb0 00:05:23.550 --> 00:05:25.479 and to keep going with it. NOTE Confidence: 0.69987343 b5ac0d2c-8267-41d2-9948-3b7cc95bb161 00:05:25.480 --> 00:05:28.665 The So what was I doing before? NOTE Confidence: 0.69987343 682e6d2d-450d-4c78-9f65-cdcf52527641 00:05:28.670 --> 00:05:29.393 OK of course, NOTE Confidence: 0.69987343 2f603d15-e968-4dcd-86da-59af88816efb 00:05:29.393 --> 00:05:31.380 at some point I was a young man. NOTE Confidence: 0.734268232 55c990ac-b095-46f3-8521-9b64e38668b3 00:05:33.490 --> 00:05:37.180 Then I started in Korea in the FMCG space, NOTE Confidence: 0.734268232 9297983c-ce52-4183-9233-2ed14ebdd923 00:05:37.180 --> 00:05:39.340 the fast moving consumer goods business. NOTE Confidence: 0.734268232 735f0ec0-d8f0-4403-96c3-a2decf0eabf9 00:05:39.340 --> 00:05:43.450 I started my career with Unilever. NOTE Confidence: 0.734268232 f51d16c2-6fe7-47dd-8837-c97683a2a614 00:05:43.450 --> 00:05:45.858 I did a few years as a NOTE Confidence: 0.734268232 de7628cf-d493-4718-b4ce-017a467ac7d4 00:05:45.858 --> 00:05:46.890 management training there. NOTE Confidence: 0.734268232 4c6cb030-6fd9-4d9e-8713-bad243e4cbda 00:05:46.890 --> 00:05:48.918 Obviously, that's where sort of I NOTE Confidence: 0.734268232 fbfbfdeb-56e4-411f-b6c1-2eba482f5bcc 00:05:48.918 --> 00:05:52.004 would say I cut my teeth as a young NOTE Confidence: 0.734268232 19d5592a-9a56-4777-b995-5f6e4d4a417a 00:05:52.004 --> 00:05:56.000 executive and then I moved into banking NOTE Confidence: 0.734268232 1bcf2114-731f-41b9-9141-9d194b94f741 00:05:56.000 --> 00:05:59.438 and and I joined Standard Chartered. NOTE Confidence: 0.734268232 72484eee-54ba-48a8-9b10-483aee77d6aa 00:05:59.440 --> 00:06:02.900 It's quite a while ago I and I and I did, NOTE Confidence: 0.734268232 1bde0343-bc02-49dd-9a35-e6526324e2d7 00:06:02.900 --> 00:06:04.810 and interestingly I stayed at NOTE Confidence: 0.734268232 975a5ea6-6208-4994-b2bd-5af3ca136423 00:06:04.810 --> 00:06:06.716 Standard Chartered for 22 years, NOTE Confidence: 0.734268232 550c54fc-f0d0-46ce-ad58-761ef69db0af 00:06:06.716 --> 00:06:09.740 so it was a it was a it. NOTE Confidence: 0.734268232 a7dc8ea6-a61c-4501-ac1a-7ee002fbd39c 00:06:09.740 --> 00:06:15.660 It was most of my working life outside and. NOTE Confidence: 0.734268232 584dfe0b-493a-4229-a5ab-360d4f0ce2de 00:06:15.660 --> 00:06:18.210 In the 22 years I worked NOTE Confidence: 0.734268232 08b713b7-c7fb-4758-8526-ab972974c0b1 00:06:18.210 --> 00:06:19.910 across five different markets, NOTE Confidence: 0.734268232 fd1c8a74-efc6-43cc-80a7-73d201b9b5ac 00:06:19.910 --> 00:06:20.975 two different continents NOTE Confidence: 0.734268232 0211a205-9861-4084-96ac-1b2416f124de 00:06:20.975 --> 00:06:22.750 so that Africa and Asia. NOTE Confidence: 0.734268232 c56c3783-7178-413d-a8e4-632294c558bc 00:06:22.750 --> 00:06:24.584 So spend time in Hong Kong Singapore. NOTE Confidence: 0.734268232 71b65b6c-9805-482d-89a8-e22b39cacf3d 00:06:24.590 --> 00:06:26.260 Then I was in Africa, NOTE Confidence: 0.734268232 9f656f93-6b22-41d4-8dbe-8de862124742 00:06:26.260 --> 00:06:27.607 did 3/4 countries, NOTE Confidence: 0.734268232 d74adf51-47fe-4d64-a562-3bc3aa456293 00:06:27.607 --> 00:06:30.301 so multi country multiple countries and NOTE Confidence: 0.734268232 78310ad1-9199-48f0-9f9e-7d96d473cd7e 00:06:30.301 --> 00:06:33.596 I I did a host of things across the bank NOTE Confidence: 0.734268232 a742538e-e4af-4a11-958d-872a242dc9d4 00:06:33.596 --> 00:06:36.830 in the corporate bank in the retail bank. NOTE Confidence: 0.734268232 be62f3a3-1ee4-4ceb-a086-16cefc556fb7 00:06:36.830 --> 00:06:38.050 Did some work in transaction NOTE Confidence: 0.734268232 260cc44a-cbb0-4022-9ce8-716a51d61e9b 00:06:38.050 --> 00:06:39.026 banking and so on. NOTE Confidence: 0.734268232 74a77b12-5032-4086-8048-d6828e17c55a 00:06:39.030 --> 00:06:44.190 So over the 22 years I had about 7 jobs. NOTE Confidence: 0.734268232 40b6ecd4-b7d3-467c-9743-c47bb50de132 00:06:44.190 --> 00:06:45.585 I know that was a good thing or not. NOTE Confidence: 0.734268232 753d70a0-9572-48a1-a407-e27232d4c25c 00:06:45.590 --> 00:06:46.252 But yeah, NOTE Confidence: 0.734268232 0bae9254-d38a-439f-be62-4e2a1118b56c 00:06:46.252 --> 00:06:48.221 every sort of three years somebody NOTE Confidence: 0.734268232 861601e8-d1bb-4c02-a9f0-ffa989cd828b 00:06:48.221 --> 00:06:50.087 knocked on my door and said, NOTE Confidence: 0.734268232 e48296c7-495d-4c94-bc76-0dbe659e8817 00:06:50.090 --> 00:06:51.998 would you like to do this? NOTE Confidence: 0.734268232 c949011c-d023-45ee-9960-cb5b92567791 00:06:52.000 --> 00:06:54.772 And invariably I said yes every NOTE Confidence: 0.734268232 5eb5b28b-a4d7-43be-819a-c0f35af0c527 00:06:54.772 --> 00:06:57.794 three years and and that's how my my NOTE Confidence: 0.734268232 cd3e649a-0607-4fd0-9e1d-b3146433c94a 00:06:57.794 --> 00:06:59.980 life troubled suggest at the point NOTE Confidence: 0.734268232 6e46febc-b195-448d-821f-68bd5bddf479 00:06:59.980 --> 00:07:02.472 when I decided to join the program, NOTE Confidence: 0.734268232 1428ff3f-ebe8-4e8e-b1ec-d817303952d7 00:07:02.480 --> 00:07:05.063 I had just been made the Executive NOTE Confidence: 0.734268232 0ec8ee63-a72f-4a84-8b79-16cc5e042625 00:07:05.063 --> 00:07:06.975 Director for retail Banking in NOTE Confidence: 0.734268232 cb5cbcec-7b72-4992-8a04-9feb0790bf88 00:07:06.975 --> 00:07:10.292 Ghana for Standard Chartered Bank. NOTE Confidence: 0.734268232 76ab0ab0-6dc6-4e9c-bd53-54f4c1cbe4c1 00:07:10.292 --> 00:07:13.480 And so it was sort of my first NOTE Confidence: 0.734268232 4e03631c-dbb7-47c4-a1c2-7d6f5e4d47c2 00:07:13.480 --> 00:07:16.782 step into real senior management. NOTE Confidence: 0.734268232 d292ec09-7eb9-4dea-8948-58f887bbbc98 00:07:16.782 --> 00:07:17.520 And. NOTE Confidence: 0.734268232 1249c452-fe9a-4886-87a3-0f93e078d899 00:07:17.520 --> 00:07:20.144 It became clear that I wanted to be NOTE Confidence: 0.734268232 ff4a6b00-bb6f-448e-a25d-8d26a80db717 00:07:20.144 --> 00:07:24.826 able to offer more and and deliver more. NOTE Confidence: 0.734268232 6ed52643-f07c-4714-87e6-eaba46b6f2a4 00:07:24.830 --> 00:07:26.069 For Tricia's Lee, NOTE Confidence: 0.734268232 ff627999-a186-4758-81d2-99a93fd0f247 00:07:26.069 --> 00:07:29.720 I had the one of my team members who NOTE Confidence: 0.734268232 7aea4b2c-1629-41e0-a878-8870984914aa 00:07:29.720 --> 00:07:32.450 was associated with the CD MBA program NOTE Confidence: 0.734268232 d018bbb7-dd51-47b6-b80e-c60ce7ca7425 00:07:32.521 --> 00:07:34.789 who had done the program himself NOTE Confidence: 0.734268232 8e9a21c2-123c-4913-9c87-020c8ace4799 00:07:34.790 --> 00:07:37.550 and in conversations about well, NOTE Confidence: 0.734268232 93f47566-dc3c-4be5-9f38-68213195810c 00:07:37.550 --> 00:07:40.206 we good to now get the qualification and. NOTE Confidence: 0.734268232 2a5271ac-775b-497c-a662-88dc8190b296 00:07:40.210 --> 00:07:41.054 And here's the story. NOTE Confidence: 0.734268232 43127d55-5e9b-4d06-a2dd-d48ac44e799a 00:07:41.054 --> 00:07:43.330 If I if I can step back a little bit, NOTE Confidence: 0.734268232 681273de-a643-47e3-9927-eea0cb3cb8db 00:07:43.330 --> 00:07:48.734 I joined banking from manufacturing from the. NOTE Confidence: 0.734268232 6cedcd83-35a3-4a28-b913-e657662feca4 00:07:48.740 --> 00:07:50.680 So very much around sales, NOTE Confidence: 0.734268232 01ac862a-5f5e-488f-ae87-88e74d0810c5 00:07:50.680 --> 00:07:52.048 marketing and in manufacturing. NOTE Confidence: 0.734268232 9008eaf8-65eb-426f-b282-0b30e8ed41cb 00:07:52.048 --> 00:07:53.074 Nothing at all. NOTE Confidence: 0.734268232 414670a3-a798-42ed-9887-1337907d548c 00:07:53.080 --> 00:07:55.236 No training in the bank, in banking at all. NOTE Confidence: 0.734268232 50d82a00-5a0d-4ca7-9467-22824936081c 00:07:55.236 --> 00:07:57.180 And still the banks hired me. NOTE Confidence: 0.887681658333333 b8ea421e-acba-49ba-9e21-e3f5e012df6d 00:07:59.740 --> 00:08:02.158 So when I joined. I mean, NOTE Confidence: 0.887681658333333 790f2f00-1712-4dd9-a753-4fbf69f533b2 00:08:02.160 --> 00:08:05.058 over the years a lot of what I learned NOTE Confidence: 0.887681658333333 df11caef-404c-4420-a78a-80278c7b7224 00:08:05.058 --> 00:08:08.120 was very much a sort of on the job. NOTE Confidence: 0.887681658333333 dafcc587-e667-47f3-9846-363d79ca502d 00:08:08.120 --> 00:08:09.144 Right, I learned everything NOTE Confidence: 0.887681658333333 f3032a13-25b3-4f06-9458-05f5b9890ff5 00:08:09.144 --> 00:08:11.040 that I knew up to that point, NOTE Confidence: 0.887681658333333 4bbac9f8-a84e-4b17-ade4-d1034c09a0ff 00:08:11.040 --> 00:08:14.220 which is 20 tender about. NOTE Confidence: 0.887681658333333 9e6d9ad1-9d56-4d51-a6b5-1819aaba5ffe 00:08:14.220 --> 00:08:17.320 So I was already what, NOTE Confidence: 0.887681658333333 66020541-8f3a-4255-a904-7d0abe577ca1 00:08:17.320 --> 00:08:18.958 1314 years in the bank I had NOTE Confidence: 0.887681658333333 dc6dc79e-3f8e-4dc6-a1fb-2ab9c0cc53a5 00:08:18.958 --> 00:08:20.130 learned everything in progress. NOTE Confidence: 0.887681658333333 438f8a79-aceb-4300-9586-136ee006a33a 00:08:20.130 --> 00:08:20.960 Very well. Like I said, NOTE Confidence: 0.887681658333333 7a554bcf-4820-421a-a8f9-ff416ae2713f 00:08:20.960 --> 00:08:23.060 every three years or so, NOTE Confidence: 0.887681658333333 7f3a013e-c161-4cf1-8216-1c530806d096 00:08:23.060 --> 00:08:26.070 some new offer came along. NOTE Confidence: 0.887681658333333 354203b8-b394-4116-837f-da55723bee05 00:08:26.070 --> 00:08:28.926 What the program did for me, NOTE Confidence: 0.887681658333333 2e2df171-5ce8-483c-945c-b3d80de947a0 00:08:28.930 --> 00:08:32.605 why it was so helpful to me, NOTE Confidence: 0.887681658333333 287ad5fa-6fdf-4948-a59a-6954362185e7 00:08:32.605 --> 00:08:35.510 was it brought a lot of knowledge around. NOTE Confidence: 0.887681658333333 a3e7894d-93f6-46aa-ac47-5137da03a0e4 00:08:35.510 --> 00:08:37.351 I mean, it brought the theoretical basis NOTE Confidence: 0.887681658333333 d6c19a2e-9ef2-4d7c-8571-734763bf476b 00:08:37.351 --> 00:08:39.930 for a lot of the things that I had learned, NOTE Confidence: 0.887681658333333 fb748482-bd45-436d-9740-4104365c1b01 00:08:39.930 --> 00:08:42.174 which means that it became more NOTE Confidence: 0.887681658333333 d8c0fe35-2583-4ffa-a756-05a92aeec4c0 00:08:42.174 --> 00:08:44.458 grounded in the knowledge that I had. NOTE Confidence: 0.887681658333333 a3dabaa4-b92d-412d-84b5-198720716f63 00:08:44.460 --> 00:08:46.620 Uhm, it was interesting. NOTE Confidence: 0.887681658333333 6e3f7082-3fb3-4e7b-a25c-16f7694239d9 00:08:46.620 --> 00:08:49.320 Also from the perspective that. NOTE Confidence: 0.887681658333333 0ec5c5c3-5f38-435c-a46f-2211418fc99e 00:08:49.320 --> 00:08:52.533 It also added it in an angle to for NOTE Confidence: 0.887681658333333 697c95e3-cddb-436f-a162-a4c5e052b552 00:08:52.533 --> 00:08:55.947 me to be able to learn new concepts NOTE Confidence: 0.887681658333333 e1afcaec-0c9d-44dc-90b8-84c83dd16471 00:08:55.947 --> 00:08:58.581 that some of which I mean you. NOTE Confidence: 0.887681658333333 6ec42a4b-8b87-4741-b8bb-fe0b81524a7c 00:08:58.581 --> 00:09:00.183 Many people would have seen it NOTE Confidence: 0.887681658333333 8c8b11cc-14d8-49e3-84f5-afbfb4028e11 00:09:00.183 --> 00:09:01.985 when you go into a meeting and NOTE Confidence: 0.887681658333333 5a190b4e-1455-4e2b-886e-d77885bb385d 00:09:01.985 --> 00:09:04.024 those who are the experts talk and NOTE Confidence: 0.887681658333333 711f7579-3be0-48e6-8290-764908d0c893 00:09:04.024 --> 00:09:05.694 sometimes talk about your head NOTE Confidence: 0.887681658333333 96b3b49f-7d7b-41b0-b216-084325ddbf7d 00:09:05.700 --> 00:09:07.740 during the CB MBA program allowed NOTE Confidence: 0.887681658333333 cd3b3043-1d1b-4e20-8a44-d3328f83d811 00:09:07.740 --> 00:09:10.683 me to sort of step back and study NOTE Confidence: 0.887681658333333 5004c46a-ec51-48e6-a44c-a31d4a697da0 00:09:10.683 --> 00:09:13.310 concepts and see new things that I NOTE Confidence: 0.887681658333333 0858f84c-52f2-40c6-b1d2-b29bbe4248b4 00:09:13.310 --> 00:09:14.860 hadn't thought about in the past. NOTE Confidence: 0.887681658333333 4ca431e8-23bf-4511-a69e-574a8b17712a 00:09:14.860 --> 00:09:17.068 So that's how I came into the program. NOTE Confidence: 0.887681658333333 d2f70386-91a5-4e7f-ba95-8ddb60218e62 00:09:17.070 --> 00:09:20.010 This friend of mine mentioned that. NOTE Confidence: 0.887681658333333 264d9fd5-f53b-4a4d-9d8f-7f4bef0d783d 00:09:20.010 --> 00:09:22.096 There's a program I was looking for, NOTE Confidence: 0.887681658333333 42d46738-b1b2-4726-b5b8-b7b5f4313c53 00:09:22.100 --> 00:09:24.396 something that would be able to match my. NOTE Confidence: 0.891499571875 8cf01d43-0e16-4659-bfea-18cd903cb0a5 00:09:26.860 --> 00:09:28.990 My my my schedule, which sort NOTE Confidence: 0.891499571875 9109bd33-1530-4de2-b00e-d5c7f22fce3a 00:09:28.990 --> 00:09:31.330 of obviously had changed at that NOTE Confidence: 0.891499571875 5a9b67fa-57e4-4523-98e4-d7fabcc7b8be 00:09:31.330 --> 00:09:33.038 point and becomes significantly NOTE Confidence: 0.891499571875 920c8f7a-0b30-4e33-8098-fbdea002a942 00:09:33.040 --> 00:09:35.133 busier and but still be able to NOTE Confidence: 0.891499571875 9865afb3-234c-46fa-a5df-ca4662b21394 00:09:35.133 --> 00:09:36.715 participate and then the second NOTE Confidence: 0.891499571875 9e7ec29c-2caf-409f-8595-d580773cb3d3 00:09:36.715 --> 00:09:38.581 thing was I wanted something that NOTE Confidence: 0.891499571875 67d2e1fb-3eac-4106-8c11-348832f8d43f 00:09:38.581 --> 00:09:42.180 was quite practical and applicable. NOTE Confidence: 0.891499571875 99ea5964-cf2d-40d6-80b4-c48902d50dfc 00:09:42.180 --> 00:09:44.388 In in the job that I was getting NOTE Confidence: 0.891499571875 4355f786-ccd2-46a7-8dc0-dc357b32b12f 00:09:44.388 --> 00:09:46.837 into and the severe be offered that, NOTE Confidence: 0.891499571875 d3bf2a65-556e-4766-8571-6f5f0d2fcb68 00:09:46.840 --> 00:09:51.290 so he he introduced me to it and. NOTE Confidence: 0.891499571875 05154c64-0b48-41b2-8cd2-e30f0297cffb 00:09:51.290 --> 00:09:52.750 Bless him for doing that. NOTE Confidence: 0.903258574 01cceff5-bdbf-4cbc-a3f2-2e568d7399fa 00:09:58.350 --> 00:09:59.570 You can bless that person, NOTE Confidence: 0.903258574 e65c219b-76a9-46f4-a407-23bcfbe93866 00:09:59.570 --> 00:10:01.675 Underwood, so can we because, uh, NOTE Confidence: 0.903258574 a0c35bfd-8166-4ffd-bbc3-7371cc79c188 00:10:01.675 --> 00:10:03.670 uh, in your time on the program, NOTE Confidence: 0.903258574 6e9a3d5c-8278-4dd6-8eb8-664b3f64046d 00:10:03.670 --> 00:10:05.574 and since of course it's been great NOTE Confidence: 0.903258574 e86cce65-b3fc-4df7-add5-db2230c09933 00:10:05.574 --> 00:10:07.729 to to see how you've blossomed, NOTE Confidence: 0.903258574 462d9ed3-940b-4f11-8d8f-65e800cf97d2 00:10:07.730 --> 00:10:10.033 but you say you at some point NOTE Confidence: 0.903258574 450ac6b0-8719-4a3e-8085-ccf3bb6cedfe 00:10:10.033 --> 00:10:12.148 you were young at some point, NOTE Confidence: 0.903258574 e541b715-6bd1-4399-a39c-a0400c391eeb 00:10:12.150 --> 00:10:13.508 Andrew, I was also a young man, NOTE Confidence: 0.903258574 76d41a6f-76ef-45e8-9d87-cce14ba48798 00:10:13.510 --> 00:10:14.770 but that's a long time ago. NOTE Confidence: 0.903258574 591e6581-4887-4ac5-8dff-f96203b801cb 00:10:14.770 --> 00:10:17.242 We won't talk about that and there NOTE Confidence: 0.903258574 981b1469-b742-44e3-b0ea-71a975afb6d4 00:10:17.242 --> 00:10:19.272 could be an interesting conversation NOTE Confidence: 0.903258574 c1b71447-743b-4753-a816-3d9d85173107 00:10:19.272 --> 00:10:22.119 that we won't have today necessarily, NOTE Confidence: 0.903258574 69f9186d-332e-4c05-833d-be8b2b586180 00:10:22.120 --> 00:10:24.256 but a conversation about the tools NOTE Confidence: 0.903258574 47d3f4a5-cfd1-4913-b114-e05f8d4f8dc0 00:10:24.256 --> 00:10:28.300 many of them apply equally in. NOTE Confidence: 0.903258574 74431ccf-cc61-4d4f-acb6-90c0d79712ee 00:10:28.300 --> 00:10:29.220 Cost money, NOTE Confidence: 0.903258574 4fd36def-c931-4aa6-9577-281edbd7983e 00:10:29.220 --> 00:10:32.440 money manufacturing as they do in services. NOTE Confidence: 0.903258574 8c871421-707a-4ec1-b877-fd366ea0af54 00:10:32.440 --> 00:10:34.652 That's for another day. NOTE Confidence: 0.903258574 2a298c2f-3d0e-44f6-a6af-4e6c6d1b95db 00:10:34.652 --> 00:10:36.696 But just to emphasize, NOTE Confidence: 0.903258574 305261d3-ae67-40a2-8a66-5b3291b05a85 00:10:36.696 --> 00:10:38.100 as you say, NOTE Confidence: 0.903258574 68608f9b-52fd-47d9-9fc8-142ffc3a7286 00:10:38.100 --> 00:10:39.794 it was training by doing in the NOTE Confidence: 0.903258574 9c70638a-40c8-4426-8669-57c9cd1a266c 00:10:39.794 --> 00:10:41.740 past and you wanted some concepts. NOTE Confidence: 0.903258574 4ece3e8c-a122-4777-8606-fbb094c8d671 00:10:41.740 --> 00:10:43.396 'cause in the world that's changing, NOTE Confidence: 0.903258574 afd20517-2573-492e-bb36-ff1c75ff64c7 00:10:43.400 --> 00:10:45.570 you never know where it's gonna take NOTE Confidence: 0.903258574 413a59c0-fa6a-4291-87ae-d2b8d5fe2087 00:10:45.570 --> 00:10:48.672 you and and whether you'll need some new NOTE Confidence: 0.903258574 81c9de06-b860-4fd9-893f-050449628873 00:10:48.672 --> 00:10:50.772 concepts but something practical and NOTE Confidence: 0.903258574 88fdd75a-bbaf-4db4-9e7f-21a643278bba 00:10:50.846 --> 00:10:53.498 something that fitted into your schedule. NOTE Confidence: 0.903258574 6214b479-7be4-423a-b3a9-1af7c4174d25 00:10:53.500 --> 00:10:57.160 And I think that some a nice summary of all NOTE Confidence: 0.903258574 bcc360ea-85d6-4e95-8ec1-efea8fa21b25 00:10:57.250 --> 00:11:00.625 that we've tried to do in in the program. NOTE Confidence: 0.903258574 d29bb9d3-4219-4a38-8830-60c33b9ae491 00:11:00.625 --> 00:11:01.040 UM, NOTE Confidence: 0.903258574 ebb6fb78-1a7e-4ecd-9423-a839709b05e9 00:11:01.040 --> 00:11:02.700 fitting around peoples work, NOTE Confidence: 0.903258574 f6ff3939-8e3d-4f1a-a662-64135dbaefd9 00:11:02.700 --> 00:11:05.410 but giving them practical insights. NOTE Confidence: 0.903258574 8f3ae1aa-9652-43de-8039-88bf6686ebb2 00:11:05.410 --> 00:11:08.091 And although people have been able to NOTE Confidence: 0.903258574 1d745926-571a-4729-9f49-846bdee3c06e 00:11:08.091 --> 00:11:11.236 read your your bio on the previous slide, NOTE Confidence: 0.903258574 7ba47493-cd88-4b4b-8972-7dde1178724c 00:11:11.240 --> 00:11:13.240 we've heard why you came on the course. NOTE Confidence: 0.903258574 00b39688-3401-4a36-82b5-8c7273b66cdf 00:11:13.240 --> 00:11:16.040 And after the course. NOTE Confidence: 0.903258574 47a5c600-884b-480c-a87d-777b9ab22302 00:11:16.040 --> 00:11:19.070 Were you able to apply things NOTE Confidence: 0.903258574 250248f7-e9ba-4511-bd63-69985036e9df 00:11:19.070 --> 00:11:20.912 fairly quickly as you were in NOTE Confidence: 0.903258574 a20d90c8-7b31-4006-8570-c93899e61d92 00:11:20.912 --> 00:11:21.952 the course just after it? NOTE Confidence: 0.903258574 6db55606-0045-4a7f-8f44-a34492d6fe40 00:11:21.960 --> 00:11:23.526 Which were the most useful parts? NOTE Confidence: 0.899238978333333 49b40bb5-c464-4ecf-8da8-629057bf3d3e 00:11:27.060 --> 00:11:31.110 Yes, Steven, I think the the the all of NOTE Confidence: 0.899238978333333 1c0d84ab-1996-49a9-b8e9-4a7271378451 00:11:31.110 --> 00:11:35.040 them apply so they were I was able to. NOTE Confidence: 0.899238978333333 638422fb-424d-45b2-9eb4-669400dfcc85 00:11:35.040 --> 00:11:37.016 And what what, what excited me the most? NOTE Confidence: 0.899238978333333 4fb3c667-ad53-406d-8596-c26b6ab7f5b6 00:11:37.020 --> 00:11:38.298 And I probably hear me say NOTE Confidence: 0.899238978333333 dbfe26fc-5fd3-4ac3-b6c2-604572473e95 00:11:38.298 --> 00:11:39.480 there's a couple of times. NOTE Confidence: 0.899238978333333 41805c02-509d-48cd-a626-d7c7ed70c311 00:11:39.480 --> 00:11:41.196 Well, as we have this conversation, NOTE Confidence: 0.899238978333333 605b8123-70d8-4950-86a8-33678856ed97 00:11:41.200 --> 00:11:43.325 what excited me the most NOTE Confidence: 0.899238978333333 55576255-c6bf-49da-9c32-f33fc72f828a 00:11:43.325 --> 00:11:45.450 was the ability to take. NOTE Confidence: 0.899238978333333 b9b83749-6ad7-4f07-8ab2-091d53406b45 00:11:45.450 --> 00:11:48.999 What I was learning in the program. NOTE Confidence: 0.899238978333333 51c5e783-cdec-4b38-a184-f73189ccffe0 00:11:49.000 --> 00:11:51.940 Directly into my workplace, right? NOTE Confidence: 0.899238978333333 5ddb849b-a7e5-4f06-9a78-1c0c27d90e5e 00:11:51.940 --> 00:11:53.644 So I'll I'll share a couple NOTE Confidence: 0.899238978333333 da06cbd4-a978-4064-b544-69b643795fb1 00:11:53.644 --> 00:11:54.780 of examples with you. NOTE Confidence: 0.899238978333333 0e619add-2287-4461-b750-297e723b8120 00:11:54.780 --> 00:12:00.036 So I mean we we just started the financial NOTE Confidence: 0.899238978333333 938a1e4d-e77f-4287-a328-2a46c18b2dd2 00:12:00.036 --> 00:12:03.058 institutions risk management I had become. NOTE Confidence: 0.899238978333333 d364b696-16e4-420a-9ddc-66c6b37cb7a8 00:12:03.060 --> 00:12:05.166 An executive director running the business. NOTE Confidence: 0.899238978333333 d2404086-7cb0-46b1-8636-c71e7a16581a 00:12:05.170 --> 00:12:07.322 So I had a responsibility to sit on NOTE Confidence: 0.899238978333333 c3cda34d-1de4-4878-a1ce-7e416f781d8c 00:12:07.322 --> 00:12:09.450 the access and Liabilities Committee. NOTE Confidence: 0.899238978333333 cc5b0fa2-4a00-498f-9809-82598cd526ec 00:12:09.450 --> 00:12:11.820 What we call the alkaline banks. NOTE Confidence: 0.899238978333333 da2c5d13-c962-43ba-ad81-d5938e8f0e4a 00:12:11.820 --> 00:12:13.430 Right, what it meant was that there NOTE Confidence: 0.899238978333333 2d7318cf-7939-46bf-ab76-1044dd8ffffb 00:12:13.430 --> 00:12:14.884 were there were people who obviously NOTE Confidence: 0.899238978333333 572225be-b9b4-4a3d-8632-d07d9073fa7d 00:12:14.884 --> 00:12:16.557 had been doing this for a while. NOTE Confidence: 0.899238978333333 df661f8c-7227-4780-b2b9-097c4db68a29 00:12:16.560 --> 00:12:18.756 They had more knowledge and expertise, NOTE Confidence: 0.899238978333333 d4680ba5-ec73-4f33-a08f-972d2f34c4d8 00:12:18.760 --> 00:12:20.797 but once we land on the program, NOTE Confidence: 0.899238978333333 4be7dc1a-8768-493b-b219-ddce3679c261 00:12:20.800 --> 00:12:23.584 certain things that I had only NOTE Confidence: 0.899238978333333 bb890aaa-4f43-4f89-a460-ed27eea0cbdf 00:12:23.584 --> 00:12:26.186 very limited knowledge of became NOTE Confidence: 0.899238978333333 fd34af1b-1f1b-45fb-9561-49075ee96725 00:12:26.186 --> 00:12:28.856 much more apparent and more. NOTE Confidence: 0.899238978333333 0a8ea91f-99e7-4d21-a8b0-0b2e20828df4 00:12:28.860 --> 00:12:30.337 I was able to then grasp them. NOTE Confidence: 0.899238978333333 ff9d771a-cbca-4184-a4d1-82bd79963aa4 00:12:30.340 --> 00:12:32.240 More things like market risk NOTE Confidence: 0.899238978333333 d97c9aa9-8b80-4896-8bf4-9f50ec4e521d 00:12:32.240 --> 00:12:33.416 and so on and so forth. NOTE Confidence: 0.899238978333333 d7e746d4-002f-4ef7-921e-878771bf8ebc 00:12:33.420 --> 00:12:35.849 What it meant was that it improved NOTE Confidence: 0.899238978333333 e11e8794-4173-4f12-b4f2-4551daf55338 00:12:35.849 --> 00:12:38.454 my ability to contribute and also NOTE Confidence: 0.899238978333333 abbf8977-e246-4f55-b80e-979ff73376b4 00:12:38.454 --> 00:12:40.939 understand how the business worked. NOTE Confidence: 0.899238978333333 1feb0ad2-075b-4ea3-85ef-d9cf86308d60 00:12:40.940 --> 00:12:42.380 An interesting thing that NOTE Confidence: 0.899238978333333 4baeee5e-b5d0-4ad0-90fe-ae522e23ee38 00:12:42.380 --> 00:12:43.100 happened subsequently, NOTE Confidence: 0.899238978333333 2ae31ea5-5baf-4703-8be1-898e7ff2a2c4 00:12:43.100 --> 00:12:44.702 not immediately not doing the program NOTE Confidence: 0.899238978333333 911a5c27-5772-479f-8817-fa8a8c460069 00:12:44.702 --> 00:12:46.426 so that was during the program I NOTE Confidence: 0.899238978333333 d73cf85d-96a8-40dc-b2ea-71616d8c6c78 00:12:46.426 --> 00:12:48.185 was able to now speak with a lot NOTE Confidence: 0.899238978333333 067a128f-ba93-4091-a225-83830e65fd86 00:12:48.185 --> 00:12:49.695 more confidence in these meetings, NOTE Confidence: 0.899238978333333 3050c18c-9df2-4bbc-81c3-dfba45e28f68 00:12:49.700 --> 00:12:51.842 but after the product grown I became NOTE Confidence: 0.899238978333333 68fd9544-3f77-4960-9521-1d82ebc7ec70 00:12:51.842 --> 00:12:54.324 a CEO for a country for the first NOTE Confidence: 0.899238978333333 6d205efc-5b41-4cc4-b1c3-e9e25ab02347 00:12:54.324 --> 00:12:56.585 time down in Zambia I became the NOTE Confidence: 0.899238978333333 e6962cd0-567e-4af3-b0ce-82c0ff36781e 00:12:56.585 --> 00:12:59.014 the CEO for this business in Zambia, NOTE Confidence: 0.899238978333333 a57c201e-24b9-496e-b1ff-6fb2819dc68f 00:12:59.020 --> 00:13:01.519 which meant then that now I had NOTE Confidence: 0.899238978333333 d897ef38-0892-48ba-b1ba-93aa2910a680 00:13:01.519 --> 00:13:03.285 overall responsibility and I had to NOTE Confidence: 0.899238978333333 f0f83d8e-6557-4948-b3a8-dc99180adf8b 00:13:03.285 --> 00:13:05.722 have a lot more ability to be able NOTE Confidence: 0.899238978333333 299010d4-a5f4-4dd1-8628-830c7fd662d2 00:13:05.722 --> 00:13:08.110 to guide some of these discussions. NOTE Confidence: 0.899238978333333 fe4cac6d-01ca-427c-91e2-9376e0153ff0 00:13:08.110 --> 00:13:08.845 But what happened? NOTE Confidence: 0.899238978333333 b4310b52-c406-4965-b54a-cdc070a5c775 00:13:08.845 --> 00:13:11.088 Just before I became CEO or just at the NOTE Confidence: 0.899238978333333 8b6274bc-5e30-44f8-a3b4-db131746398e 00:13:11.088 --> 00:13:13.008 time when I became here was an interesting. NOTE Confidence: 0.899238978333333 c32d5929-9682-4456-8065-6b47cf5b4750 00:13:13.010 --> 00:13:13.560 Saying that, NOTE Confidence: 0.899238978333333 38a47bd8-3a74-4a00-b601-36074b17d918 00:13:13.560 --> 00:13:15.760 we went out to be trained so with NOTE Confidence: 0.899238978333333 09c592e1-0869-40d5-8550-f25aa13378ae 00:13:15.824 --> 00:13:17.870 fresh all the new CEO's gathered NOTE Confidence: 0.899238978333333 a3b0b80e-3293-4ea7-ba8f-3375524ffc39 00:13:17.870 --> 00:13:19.934 across the globe brought together in NOTE Confidence: 0.899238978333333 4e451e78-aaec-45dd-8ec3-e33ee6a334b9 00:13:19.934 --> 00:13:22.167 one place and they were teaching us. NOTE Confidence: 0.899238978333333 619de607-552c-40eb-8d56-a76e573dcb3f 00:13:22.170 --> 00:13:25.738 So one of the courses there was ALCO NOTE Confidence: 0.899238978333333 e4bdde58-715a-4041-a71e-2bac7f4b426c 00:13:25.738 --> 00:13:27.190 training. And that's part of it. NOTE Confidence: 0.899238978333333 944f5f22-a421-41fc-9074-dda31acd9a9d 00:13:27.190 --> 00:13:29.068 You have to write a test. NOTE Confidence: 0.899238978333333 d33e51d9-0f6d-43e7-9978-d358ec5d1aae 00:13:29.070 --> 00:13:31.926 So gladly with the knowledge that NOTE Confidence: 0.899238978333333 393edfeb-eece-48f7-9e55-8b6f52145339 00:13:31.926 --> 00:13:34.960 I had gained from the program NOTE Confidence: 0.899238978333333 e4f8d9dd-7d61-4eee-a1cf-09aa44acc83b 00:13:34.960 --> 00:13:37.354 I came up tops in the test. NOTE Confidence: 0.899238978333333 c3ae12d5-6e2c-4d1b-a41f-d3b6cce32844 00:13:37.360 --> 00:13:40.409 I got a star. On my shoulder. NOTE Confidence: 0.899238978333333 d005aa91-6601-4d10-98ab-5ec380ab5c8a 00:13:40.409 --> 00:13:43.199 By the time I had started my job as a CEO, NOTE Confidence: 0.899238978333333 8720da21-90f5-42b3-84a3-4afc23df2d0c 00:13:43.200 --> 00:13:45.212 that is a very, NOTE Confidence: 0.899238978333333 929e876a-cc99-4cd2-b7d9-962499f059c8 00:13:45.212 --> 00:13:48.230 very practical way which I remember NOTE Confidence: 0.899238978333333 3bf3beb4-eae3-4a24-9981-472dcfccd6dc 00:13:48.337 --> 00:13:51.397 what I gained from the program. NOTE Confidence: 0.899238978333333 7c7eacfb-4daf-451a-8e24-0faee308ab41 00:13:51.400 --> 00:13:53.048 Yeah, I mean uhm. NOTE Confidence: 0.899238978333333 58875d1a-4eaf-4206-9808-e429402196fe 00:13:53.048 --> 00:13:55.520 Even when you've finished the sibte, NOTE Confidence: 0.899238978333333 c0efc6fd-cc9a-4fb5-baac-abc8c6e02d57 00:13:55.520 --> 00:13:57.459 you still have tests to go through. NOTE Confidence: 0.899238978333333 1dea5916-ed56-4a59-b98b-5da6043619bd 00:13:57.460 --> 00:13:59.044 None more so than when you NOTE Confidence: 0.899238978333333 5e259097-98f7-4462-ac5a-07a2772486a4 00:13:59.044 --> 00:14:00.500 take up a new role. NOTE Confidence: 0.899238978333333 0abbff62-b7f8-48a9-9468-4d4f7261300f 00:14:00.500 --> 00:14:02.090 You have new people who perhaps NOTE Confidence: 0.899238978333333 c159ab1e-bb91-4f18-8799-a0e2ddddf48c 00:14:02.090 --> 00:14:03.760 are looking to you and watching NOTE Confidence: 0.899238978333333 0f0f1b61-74c7-4b3f-8d5b-6e0432878035 00:14:03.760 --> 00:14:05.699 you to see how's he gonna perform. NOTE Confidence: 0.899238978333333 28019991-850c-4d88-a8f1-90820ea44ff9 00:14:05.700 --> 00:14:07.160 Is he credible or not? NOTE Confidence: 0.899238978333333 58f5483f-277a-4d51-b4b7-d6fa759efdef 00:14:07.160 --> 00:14:08.900 And of course, it's it's. NOTE Confidence: 0.899238978333333 03c1db2c-aaf6-4c90-9b3a-7abb9d47c291 00:14:08.900 --> 00:14:10.790 It's easily. It's easily lost. NOTE Confidence: 0.899238978333333 96b2b1fe-f06f-44d6-aa78-4dbc6b89f730 00:14:10.790 --> 00:14:11.552 What's the saying? NOTE Confidence: 0.899238978333333 5effe05a-78f4-43c0-addb-1fb52e530ec3 00:14:11.552 --> 00:14:13.076 You don't have a second chance NOTE Confidence: 0.899238978333333 ed032fbd-e6a6-4e5c-8d1a-508f0ef65449 00:14:13.076 --> 00:14:14.557 to make a first impression, NOTE Confidence: 0.899238978333333 051905aa-9b79-45a5-8d72-c84371e4a089 00:14:14.560 --> 00:14:16.702 but it sounded like like you NOTE Confidence: 0.899238978333333 50d5ed35-e994-4089-9944-6b06ec95079f 00:14:16.702 --> 00:14:19.215 made a very good impression now NOTE Confidence: 0.899238978333333 8b445b47-13a5-4d5f-9e27-38842884ce54 00:14:19.215 --> 00:14:21.370 just looking down the list. NOTE Confidence: 0.77736375 04affe67-395b-4c18-9d63-b6914224c85c 00:14:21.370 --> 00:14:24.330 In a very and and I guess what what it does. NOTE Confidence: 0.77736375 ae14bd45-e4e0-4649-bcbd-b07c5030eed1 00:14:24.330 --> 00:14:28.026 Also Steven is for a new chief executive. NOTE Confidence: 0.77736375 c559bc3e-4bc6-4267-89e8-953eeaf955a6 00:14:28.030 --> 00:14:30.417 Your confidence level goes up and confidence NOTE Confidence: 0.77736375 3e471afd-55fd-403a-8b49-ac452c62f4e7 00:14:30.417 --> 00:14:33.628 in in that sort of role is everything so. NOTE Confidence: 0.77736375 262c154d-efb1-4243-816b-9b4d4a5b2ad6 00:14:33.628 --> 00:14:36.168 Now you feel like OK, NOTE Confidence: 0.77736375 88fb43cd-5b61-4991-be6c-44b94f4bb4c0 00:14:36.170 --> 00:14:37.490 I have West wild knowledge. NOTE Confidence: 0.77736375 452467af-665a-47f0-88ee-a9e14fe7039f 00:14:37.490 --> 00:14:39.160 I'm able to apply it. NOTE Confidence: 0.77736375 b37f63a5-376b-4e87-9930-d36a0935bcd3 00:14:39.160 --> 00:14:40.620 I can speak with confidence. NOTE Confidence: 0.77736375 d52461af-84e4-4576-8d01-e9fa3436a962 00:14:40.620 --> 00:14:42.734 I can guide my team and ultimately NOTE Confidence: 0.77736375 6bc357bb-ec31-4790-adab-b02246abfd56 00:14:42.734 --> 00:14:45.049 it's it did guide and and and NOTE Confidence: 0.77736375 29de1957-0f71-4624-ab85-81013cfeda96 00:14:45.049 --> 00:14:47.059 they did speak to the performance NOTE Confidence: 0.77736375 f67087e9-5ef9-4d8d-84bc-6c4bff7ecd9a 00:14:47.126 --> 00:14:48.896 of the business that I run. NOTE Confidence: 0.77736375 afe93eae-26fb-487e-ba12-dd5d59d4f709 00:14:48.900 --> 00:14:51.132 I, I'll give you another example if if if, NOTE Confidence: 0.77736375 fdb6ee4e-3c10-4e0b-bf2e-8248ed6a4e2b 00:14:51.140 --> 00:14:53.198 if you, which was quite interesting, NOTE Confidence: 0.77736375 f626bdca-d62c-4caa-bb4f-ced267a1fcdb 00:14:53.200 --> 00:14:55.282 because that was a combination of NOTE Confidence: 0.77736375 1adb73f4-27c1-4fe1-ba38-102cd9f17010 00:14:55.282 --> 00:14:57.539 what I had learned and I I did. NOTE Confidence: 0.77736375 511bc64b-df2d-46d4-b710-db025332f8c0 00:14:57.540 --> 00:14:59.850 I did make reference to the fact NOTE Confidence: 0.77736375 97f7b45b-83a8-4947-b34a-9f9e781cf3e1 00:14:59.850 --> 00:15:02.283 that when we were running when I NOTE Confidence: 0.77736375 74c6df51-5d91-4423-8171-5cfcedb133f4 00:15:02.283 --> 00:15:04.455 came for the revision sessions. NOTE Confidence: 0.77736375 bb84516b-5b22-4b00-b32e-a2ec44ee658b 00:15:04.455 --> 00:15:09.260 And the very first one that I had at Bunco. NOTE Confidence: 0.77736375 432ddbed-7b0f-49c7-9e98-385b2da484b1 00:15:09.260 --> 00:15:11.178 Though those I mean we wish it NOTE Confidence: 0.77736375 1a2a2958-3436-43df-9ca1-b77badcd2bd1 00:15:11.178 --> 00:15:12.830 was two only a few years. NOTE Confidence: 0.77736375 3446e2db-17e0-49d0-a357-19290b8907cb 00:15:12.830 --> 00:15:15.278 This is 2012 there about so it's only a NOTE Confidence: 0.77736375 1890495c-face-4871-ab56-af30da5ae823 00:15:15.278 --> 00:15:17.698 few years after the financial crisis. NOTE Confidence: 0.77736375 8808d6cd-beea-4732-adc2-c94f69b18c5c 00:15:17.700 --> 00:15:19.728 So there was a presentation that NOTE Confidence: 0.77736375 1e0c1867-1038-4f7b-bf5e-bba52c0dc915 00:15:19.728 --> 00:15:22.360 was made on the financial crisis. NOTE Confidence: 0.77736375 377abd05-2bd2-4a2e-9b34-837c709c21d5 00:15:22.360 --> 00:15:24.550 We had a great discussion around NOTE Confidence: 0.77736375 875cb6b0-cb5b-4d6d-80dd-05b0a78dc6ff 00:15:24.550 --> 00:15:26.445 the lessons from the financial NOTE Confidence: 0.77736375 f737418b-44c1-4197-b585-622a817d86e4 00:15:26.445 --> 00:15:28.629 crisis or the things to do. NOTE Confidence: 0.77736375 03f251d1-e7aa-4faf-bcec-580ad005956e 00:15:28.630 --> 00:15:31.286 The fact that it's important to you know, NOTE Confidence: 0.77736375 6052e192-b73f-4411-83ae-8944748c7699 00:15:31.290 --> 00:15:33.880 not panic in the in the face of a crisis, NOTE Confidence: 0.77736375 74a2f220-c2fd-4714-a79b-093f4ccd779a 00:15:33.880 --> 00:15:36.664 it's how important it is to find a NOTE Confidence: 0.77736375 31d59aea-fcfd-4e10-b09e-1d84159cea14 00:15:36.664 --> 00:15:39.570 way to continue to let the business. NOTE Confidence: 0.77736375 fe6a58a6-c65d-4f69-a76b-2a3f7814108a 00:15:39.570 --> 00:15:42.852 Remain alive and understand what was NOTE Confidence: 0.77736375 b908ca38-ef2a-4e57-8e14-10a420a603f7 00:15:42.852 --> 00:15:45.010 caught with oftentimes just the focus NOTE Confidence: 0.77736375 8a09696a-5842-4b3b-93f9-3cbbc10d40b4 00:15:45.010 --> 00:15:46.600 on the customer the customer needs NOTE Confidence: 0.77736375 14bfe8a3-caf3-4dc6-80ac-2f7f1164b7dd 00:15:46.654 --> 00:15:48.352 'cause the customers will be going NOTE Confidence: 0.77736375 e9f72358-0485-4634-9bd5-853fa3039a1c 00:15:48.352 --> 00:15:50.864 through all these challenges, and so on. NOTE Confidence: 0.77736375 e79822ef-2a4a-4f2e-b5eb-ee2ffbdcdbd5 00:15:50.864 --> 00:15:52.696 And and just generally. NOTE Confidence: 0.77736375 18269545-33c5-4431-ad60-c574fad394e5 00:15:52.700 --> 00:15:55.180 Been able to hold on and be a bit more NOTE Confidence: 0.77736375 2f0a8e14-d689-425f-81e9-6e083cef792d 00:15:55.248 --> 00:15:57.338 optimistic through the crisis period NOTE Confidence: 0.77736375 8719d4c6-dcb0-454a-9b20-cca658c642b3 00:15:57.338 --> 00:16:00.095 and thinking about the fact that there NOTE Confidence: 0.77736375 b8859cab-18c7-438d-9874-06ea1fd96bbc 00:16:00.095 --> 00:16:04.040 will always be an end to that cycle and. NOTE Confidence: 0.77736375 55b1cedc-85df-4d56-97e1-6841c69e5789 00:16:04.040 --> 00:16:06.494 It was something that I took NOTE Confidence: 0.77736375 8e68e2f0-dae8-4b59-9783-e382c0b57450 00:16:06.494 --> 00:16:09.279 away as a huge and and uh, NOTE Confidence: 0.77736375 d5997639-b931-4bbc-9a66-acd9f93560e6 00:16:09.280 --> 00:16:11.044 sort of lesson and and and and NOTE Confidence: 0.77736375 cab82201-a5ca-46f1-91e5-cd071e0fcb8f 00:16:11.044 --> 00:16:13.098 some of the things that I learned NOTE Confidence: 0.77736375 b89ef21f-07c1-4cc8-bbc5-35c96675f059 00:16:13.098 --> 00:16:14.633 in the philosophy of it. NOTE Confidence: 0.77736375 0d976abe-302f-4ba4-8dd2-546fffa02838 00:16:14.640 --> 00:16:16.397 I have applied a number of times, NOTE Confidence: 0.77736375 23ec53af-dc10-47c5-bc4d-03c03c3d3c19 00:16:16.400 --> 00:16:19.460 but none more so than showing NOTE Confidence: 0.77736375 4942b8d6-a2ba-4d7a-9979-e3ac5adbba53 00:16:19.460 --> 00:16:21.500 the the COVID pandemic. NOTE Confidence: 0.77736375 966adcb5-45c7-4ea5-a845-05fc133b938f 00:16:21.500 --> 00:16:24.335 So here's my story I was made. NOTE Confidence: 0.77736375 905ae5f2-3746-4dae-a1ec-fb0fa2998197 00:16:24.340 --> 00:16:26.884 I became chief executive group chief NOTE Confidence: 0.77736375 cf4f038e-9fa7-45d8-aff5-879f2897afff 00:16:26.884 --> 00:16:30.070 executive of myself and let's see how it is. NOTE Confidence: 0.77736375 e617cb3b-f792-45c8-88fa-19f47c3ac83f 00:16:30.070 --> 00:16:31.970 The business across 11 markets NOTE Confidence: 0.77736375 ddfda688-6bbe-4e1a-bf03-669637e4ad13 00:16:31.970 --> 00:16:33.490 in Sub Saharan Africa. NOTE Confidence: 0.77736375 f70433de-4a49-4938-b835-6b440322e8ed 00:16:33.490 --> 00:16:36.310 So they decent sized business. NOTE Confidence: 0.77736375 b4951717-17f4-46ea-8533-a53e994fe79f 00:16:36.310 --> 00:16:38.614 It was a business also which had a few NOTE Confidence: 0.77736375 00395092-c144-4c04-99a5-a7913883d9cf 00:16:38.614 --> 00:16:40.290 challenges at the time that I joined. NOTE Confidence: 0.77736375 5f08d094-3b0e-4291-8a27-0daae6224d4a 00:16:40.290 --> 00:16:43.269 But more importantly. NOTE Confidence: 0.77736375 2be718b7-e200-42aa-826d-0afec46c92a1 00:16:43.270 --> 00:16:47.750 It was the business that had very NOTE Confidence: 0.77736375 4e2a4843-e2fa-4a2f-9cbe-5604e21a3a44 00:16:47.750 --> 00:16:50.438 strong opportunities in the future. NOTE Confidence: 0.77736375 26601580-c183-49e5-a2f6-017eb4cfe926 00:16:50.438 --> 00:16:54.650 But I joined in January and by March. NOTE Confidence: 0.77736375 51f8c43f-f83d-4616-b688-91303bccd371 00:16:54.650 --> 00:16:57.400 The countries are blocked down NOTE Confidence: 0.77736375 be066607-6486-49af-9f3a-0e78c306284f 00:16:57.400 --> 00:17:00.360 all across Africa. And it was. NOTE Confidence: 0.77736375 dc3f84fe-f34a-44d8-a3d0-3362c235ecb9 00:17:00.360 --> 00:17:02.780 It was a very, and it was. NOTE Confidence: 0.77736375 401cb037-4f39-45ce-b1a0-85c0f9a78188 00:17:02.780 --> 00:17:04.429 It was, it was tough. NOTE Confidence: 0.888652271578947 6f635610-5df8-449f-84e4-196161b9e9f3 00:17:06.820 --> 00:17:09.536 But what helped me out during that NOTE Confidence: 0.888652271578947 ad759687-c109-412a-86dc-c4f173b50c59 00:17:09.536 --> 00:17:12.630 period was I remembered the lessons NOTE Confidence: 0.888652271578947 a9f66c27-3283-481f-ba88-96a3e364f2da 00:17:12.630 --> 00:17:15.705 right down from that particular NOTE Confidence: 0.888652271578947 eb3b03ac-a629-41fa-b3d8-05e32576b706 00:17:15.705 --> 00:17:17.415 presentation and some of the things NOTE Confidence: 0.888652271578947 93104639-31e8-4998-af20-ac5e78017804 00:17:17.415 --> 00:17:18.988 that I have talked about in terms NOTE Confidence: 0.888652271578947 f78d7b53-ca4a-401c-a331-a5578a4f7a0d 00:17:18.988 --> 00:17:20.472 of keeping an eye on the crisis, NOTE Confidence: 0.888652271578947 3cfabea8-dc33-45b4-a151-bb1dfb2aab33 00:17:20.480 --> 00:17:21.250 maintaining optimism, NOTE Confidence: 0.888652271578947 2e85a845-e092-4e2c-b3ce-0b2e251416da 00:17:21.250 --> 00:17:23.175 making sure that you don't. NOTE Confidence: 0.888652271578947 3384e48b-cc8b-43f2-acc2-67885a076080 00:17:23.180 --> 00:17:25.532 You keep your eyes on the customer and NOTE Confidence: 0.888652271578947 dd4189a7-82d3-4bcb-95cb-51e0fb00021e 00:17:25.532 --> 00:17:27.417 making sure that you can of course NOTE Confidence: 0.888652271578947 44bab4d6-672c-4014-b7a3-b20bbd5651d5 00:17:27.417 --> 00:17:29.452 also keep an eye on the regulator NOTE Confidence: 0.888652271578947 e2569f23-8d8c-49ec-a1ef-258ce7bcd312 00:17:29.452 --> 00:17:31.302 because their actions and their NOTE Confidence: 0.888652271578947 9a62b997-7abf-4a6b-9329-28ce2960e390 00:17:31.302 --> 00:17:34.328 activities and so on make a difference. NOTE Confidence: 0.888652271578947 41944e1e-c2ed-4896-9845-d3abaa431699 00:17:34.328 --> 00:17:36.236 We made a call. NOTE Confidence: 0.888652271578947 7d5d391d-bb7d-47cb-b3d3-2b2ec950ed8a 00:17:36.240 --> 00:17:38.298 At that time and about the program, NOTE Confidence: 0.888652271578947 2cf39490-65da-42b6-9a2f-15d876e68590 00:17:38.300 --> 00:17:40.358 and I mean about the the pandemic NOTE Confidence: 0.888652271578947 bcc0ff33-6dc7-43a9-bebd-1226784c8477 00:17:40.358 --> 00:17:42.556 and the fact that we felt and NOTE Confidence: 0.888652271578947 8a2694c5-8177-4667-a6c5-7acc8abefd46 00:17:42.556 --> 00:17:45.648 was it a lot of I mean the the NOTE Confidence: 0.888652271578947 c1b769f3-4a37-45bf-8cc6-28e9ce02d628 00:17:45.648 --> 00:17:47.433 view was pulled back kept. NOTE Confidence: 0.888652271578947 6fc4e9c4-44e3-48fb-ad91-ebffc2e51424 00:17:47.440 --> 00:17:49.155 Hope you know sort of stay put, NOTE Confidence: 0.888652271578947 1bb3b4f2-30a6-4685-802c-a44b682fd3df 00:17:49.160 --> 00:17:50.630 watch what was going to happen. NOTE Confidence: 0.923060674285714 4ef66ac7-d65b-4c08-90c3-905464c07911 00:17:53.060 --> 00:17:55.531 We made a call with my team that NOTE Confidence: 0.923060674285714 9665649f-cb88-4a76-9932-a00433e1cb1e 00:17:55.531 --> 00:17:57.817 we will continue to look for NOTE Confidence: 0.923060674285714 9035e5a9-d818-40be-bd98-10e455dcee02 00:17:57.817 --> 00:18:00.749 ways to get the business to run. NOTE Confidence: 0.923060674285714 92bc7fc3-3472-4ae6-b967-4fa01b7e08f5 00:18:00.750 --> 00:18:03.054 And it LED us into conversations NOTE Confidence: 0.923060674285714 70124e11-34bf-4664-be2a-c23d06baf543 00:18:03.054 --> 00:18:04.206 with our customers. NOTE Confidence: 0.923060674285714 cffaed8a-420e-4b0f-a225-fb3519122e60 00:18:04.210 --> 00:18:05.897 They said what we need from you NOTE Confidence: 0.923060674285714 7b138d70-a61f-4d79-9f3c-f3419558d97a 00:18:05.897 --> 00:18:07.887 is for you to remain open to us, NOTE Confidence: 0.923060674285714 6fca35c7-4d49-4d09-a344-434ebe6fbd77 00:18:07.890 --> 00:18:10.266 so that when we are in a crisis moment, NOTE Confidence: 0.923060674285714 e6038f58-0a39-4579-8a94-341ba19a5e4f 00:18:10.270 --> 00:18:12.382 we can reach you. NOTE Confidence: 0.923060674285714 5e2ee090-5658-4ec1-bf64-4a243e4a665c 00:18:12.382 --> 00:18:15.858 That finding meant that we have to build. NOTE Confidence: 0.923060674285714 9d21bf21-53a2-4624-8461-ab9e681a2c79 00:18:15.860 --> 00:18:16.346 Immediately, NOTE Confidence: 0.923060674285714 72cf0192-a295-4e2d-a84b-863de6d9e0eb 00:18:16.346 --> 00:18:18.776 digital channels that we didn't NOTE Confidence: 0.923060674285714 bc26702f-0826-4f11-91bd-845b220226bf 00:18:18.776 --> 00:18:21.572 have at the time and within four NOTE Confidence: 0.923060674285714 b34fb11c-7d07-4e4a-99cf-ba064918e21b 00:18:21.572 --> 00:18:23.560 weeks or so we we launched WhatsApp NOTE Confidence: 0.923060674285714 f47262fd-109a-4b31-be29-a2d445020c16 00:18:23.624 --> 00:18:25.500 channels and so on and so forth NOTE Confidence: 0.923060674285714 dd6ef60b-6d2a-47c0-b6df-a8120459b750 00:18:25.500 --> 00:18:27.330 because we found out from the NOTE Confidence: 0.923060674285714 73d1fca8-8728-4c60-b56f-9adcf520792f 00:18:27.330 --> 00:18:29.268 customers that they could they they NOTE Confidence: 0.923060674285714 83a54350-7bee-4767-a669-bac56f708889 00:18:29.268 --> 00:18:31.085 preferred WhatsApp as a channel to NOTE Confidence: 0.923060674285714 336d58a5-6d9d-4c5b-83ce-96f95bd3e242 00:18:31.085 --> 00:18:33.485 reach us and we started to deliver NOTE Confidence: 0.923060674285714 4f37f96c-ede6-4108-83d9-3c05397df4c0 00:18:33.485 --> 00:18:35.290 our products through that Channel. NOTE Confidence: 0.828144844666667 c92f8f80-9e94-4527-9149-e3ee39eb2c4e 00:18:37.450 --> 00:18:39.818 In the period during the lockdowns and in NOTE Confidence: 0.828144844666667 bed7d9c0-9a2e-4777-8704-fb00f4e98050 00:18:39.818 --> 00:18:42.489 the very difficult periods of the pandemic, NOTE Confidence: 0.828144844666667 f155533e-93a9-4138-931d-4d3bbd1f9df8 00:18:42.490 --> 00:18:45.590 our business volumes dropped significantly. NOTE Confidence: 0.828144844666667 c373862d-94ac-4551-a51c-9fcdc1839b3a 00:18:45.590 --> 00:18:47.620 I mean that, as with most businesses NOTE Confidence: 0.828144844666667 00606d3a-8a97-4b84-9fb6-b7c678548794 00:18:47.620 --> 00:18:49.660 across the world, I mean, we were probably NOTE Confidence: 0.828144844666667 6ce91969-6be7-4ba2-b8ea-f364e990de41 00:18:49.660 --> 00:18:51.708 running at about 20% of our run rate. NOTE Confidence: 0.828144844666667 0b562a1d-2bd6-4f32-990b-8f2a7e26d4a9 00:18:51.708 --> 00:18:54.204 But the good thing was, was still running. NOTE Confidence: 0.828144844666667 d824ebd3-fb3f-4961-95fb-7d87e9fd06bb 00:18:54.204 --> 00:18:56.412 We're still running and the business NOTE Confidence: 0.828144844666667 cee5bcd6-e99d-411d-8c04-78073bf2a6db 00:18:56.412 --> 00:18:59.251 was building itself up and we used the NOTE Confidence: 0.828144844666667 720ef052-ef8b-4b98-b6f4-3a023466634b 00:18:59.251 --> 00:19:01.598 opportunity to build a bit of capability. NOTE Confidence: 0.828144844666667 0180d482-fd23-4cd2-9168-f499848cce99 00:19:01.600 --> 00:19:05.898 The good thing was once that passed. NOTE Confidence: 0.828144844666667 bc2d5d22-4a1c-4bd4-bb3c-4c02e14fbfde 00:19:05.900 --> 00:19:08.882 We saw a significant rebound and an NOTE Confidence: 0.828144844666667 d6794c30-005b-4991-8ea7-4801b1dd46a9 00:19:08.882 --> 00:19:13.830 uplift in the second half of 2020, so. NOTE Confidence: 0.828144844666667 774c1e56-f9cb-4021-98cc-6fe0c62f617c 00:19:13.830 --> 00:19:16.290 I would say look a lot of the lessons have NOTE Confidence: 0.828144844666667 d7b433f3-6b82-49f1-b576-973b8de28dfa 00:19:16.351 --> 00:19:18.981 stayed with me from my days and from the the, NOTE Confidence: 0.828144844666667 03b84544-d715-4a25-95de-bd70919f5991 00:19:18.990 --> 00:19:20.448 the the learnings and Bango and NOTE Confidence: 0.828144844666667 f9aa1a5a-1657-4808-bc51-1e0a6a5b93b7 00:19:20.448 --> 00:19:22.308 and on the city and the program. NOTE Confidence: 0.828144844666667 539ecae9-ee3e-4305-9929-fcb814fa51a8 00:19:22.310 --> 00:19:24.194 But significantly because it NOTE Confidence: 0.828144844666667 9ef24ad9-aa98-43e1-8eee-b12eecf5480d 00:19:24.194 --> 00:19:25.607 was very practical. NOTE Confidence: 0.828144844666667 4ae74080-929e-4c13-9c6d-3ca16acdc985 00:19:25.610 --> 00:19:27.314 It was applicable and I was NOTE Confidence: 0.828144844666667 4a610553-8f8f-44e7-8f93-85ad02ceebc7 00:19:27.314 --> 00:19:29.160 able to use them as I work. NOTE Confidence: 0.828144844666667 98345ab1-924f-488a-9207-1ddae9b0e626 00:19:29.160 --> 00:19:32.184 Then like you see living up to today I NOTE Confidence: 0.828144844666667 c59b8fda-56e1-404d-88cf-3149d0e3a330 00:19:32.184 --> 00:19:34.890 still remember and use some of that. NOTE Confidence: 0.828144844666667 3444cbd4-421b-4f41-a6cb-36cd9968af80 00:19:34.890 --> 00:19:36.414 Yeah, that's fantastic. NOTE Confidence: 0.828144844666667 6f5aef4e-8fcc-4251-9b28-5e8644412704 00:19:36.414 --> 00:19:39.368 Fantastic Andrew. UM, the uh. NOTE Confidence: 0.828144844666667 bb4f3c23-5373-4e57-a1bd-acb261cc8605 00:19:39.368 --> 00:19:45.860 The issue of responding to crises, of course. NOTE Confidence: 0.828144844666667 b6697354-3bb5-45f3-a154-ebd6ae5e7409 00:19:45.860 --> 00:19:47.158 When in. NOTE Confidence: 0.828144844666667 2325ae81-c1d0-4be6-83b8-3b314e0a58aa 00:19:47.158 --> 00:19:51.052 March, 2020 the University decided for NOTE Confidence: 0.828144844666667 23079b1a-5e4d-4eb3-9be6-325d13b3493c 00:19:51.052 --> 00:19:54.390 its conventional on campus programs. NOTE Confidence: 0.828144844666667 f8132aad-5f7c-4aa0-90f3-4fdac3e004d0 00:19:54.390 --> 00:19:56.280 We would not meet face to face. NOTE Confidence: 0.828144844666667 416f6a08-792f-4042-b736-8416d45eec16 00:19:56.280 --> 00:19:57.540 I said to my wife, NOTE Confidence: 0.828144844666667 e207439c-04dc-408c-88bf-0c18eb760333 00:19:57.540 --> 00:19:59.310 I think it'll be 2 weeks. NOTE Confidence: 0.828144844666667 707b2b90-b611-450f-ae1f-4cdde570b059 00:19:59.310 --> 00:20:00.074 OK, well, NOTE Confidence: 0.828144844666667 9d2a97cf-8f78-4a01-8adf-05873d66df2e 00:20:00.074 --> 00:20:01.220 two years later, NOTE Confidence: 0.828144844666667 b7dc420c-c35d-4d66-8cf0-02a62b0992f1 00:20:01.220 --> 00:20:03.138 you know it just goes to show NOTE Confidence: 0.828144844666667 8743ef76-c204-45db-8110-249ee20e05e4 00:20:03.138 --> 00:20:04.596 how difficult because in the NOTE Confidence: 0.828144844666667 a481bfa3-1cb0-4a53-b5c8-15c63a3c64d3 00:20:04.596 --> 00:20:06.504 situation you describe if you sit NOTE Confidence: 0.828144844666667 be015607-6cf2-441c-99ae-2f6e094c02d6 00:20:06.504 --> 00:20:08.640 there frozen like a rabbit in the NOTE Confidence: 0.828144844666667 34d7b79a-5e70-4ef3-b6e9-1c16c4db8987 00:20:08.640 --> 00:20:10.560 headlines waiting for it to finish, NOTE Confidence: 0.828144844666667 204f5366-7b26-4f7c-8c1e-ceb8ee1c170c 00:20:10.560 --> 00:20:12.304 you'd be out of business because you could NOTE Confidence: 0.828144844666667 f5584b87-4840-4194-8b32-f538be9c9cd6 00:20:12.304 --> 00:20:14.197 not have predicted how long it would take. NOTE Confidence: 0.828144844666667 f14cab64-19ab-474e-ac24-b1fd6d04b60e 00:20:14.200 --> 00:20:17.488 But interesting that you say that building. NOTE Confidence: 0.828144844666667 ade9b6a7-d6dd-4062-86d4-7448ed9203d0 00:20:17.488 --> 00:20:19.132 Immediately, digital channels NOTE Confidence: 0.828144844666667 29452164-ebf5-4d27-a048-19234b4b7548 00:20:19.132 --> 00:20:22.420 that you didn't have have before, NOTE Confidence: 0.828144844666667 50197a53-ee38-48da-8952-e544a6f4c67b 00:20:22.420 --> 00:20:23.656 uh, including WhatsApp etc. NOTE Confidence: 0.828144844666667 d8840366-fd87-4360-b39b-8a5b1c1eaa64 00:20:23.656 --> 00:20:25.855 And let me just pick up on NOTE Confidence: 0.828144844666667 3568f4b1-e80e-4eb9-89f0-a0ee7784b15e 00:20:25.855 --> 00:20:27.853 that and ask you because, uh, NOTE Confidence: 0.828144844666667 77a83e85-68cb-4e3e-a7d9-3a1518fa119b 00:20:27.853 --> 00:20:31.351 another aspect in your bio talks NOTE Confidence: 0.828144844666667 3fa81fdb-29d8-4858-90e8-287cce5878f1 00:20:31.351 --> 00:20:33.754 about precept, human capital, NOTE Confidence: 0.828144844666667 314fc344-1026-4156-89f9-4f297978a60f 00:20:33.754 --> 00:20:38.073 a consulting firm which you had founded. NOTE Confidence: 0.828144844666667 87538c08-e1ed-486d-91e9-d5055a3c066c 00:20:38.080 --> 00:20:39.920 How important is it? NOTE Confidence: 0.828144844666667 ff8f9fe7-e333-4bc6-9baf-854cc0f4a886 00:20:39.920 --> 00:20:42.220 Is it the regulator and, NOTE Confidence: 0.828144844666667 3c41f098-2bff-4090-afb1-e9324388ca8f 00:20:42.220 --> 00:20:42.590 UM, NOTE Confidence: 0.828144844666667 c64a7e5a-34a7-44d7-ab96-25985dfea997 00:20:42.590 --> 00:20:44.440 the forces of compliance that NOTE Confidence: 0.828144844666667 88aabefd-98ec-4196-a6fa-e8e66a268137 00:20:44.440 --> 00:20:45.920 get you to change? NOTE Confidence: 0.828144844666667 d6584e80-763b-462a-abcf-c5f4882e6cdd 00:20:45.920 --> 00:20:48.594 Or is it listening to customers and NOTE Confidence: 0.828144844666667 c0a07dd4-44dd-472a-a52b-e30e413fc8c1 00:20:48.594 --> 00:20:51.251 then having the right people in your NOTE Confidence: 0.828144844666667 4fa98c7b-acfd-432d-b7a5-2d4d31b04eaa 00:20:51.251 --> 00:20:53.860 team who are able to change that? NOTE Confidence: 0.828144844666667 fa032722-6916-411e-8670-762eccf575f7 00:20:53.860 --> 00:20:56.295 You can motivate your thoughts NOTE Confidence: 0.828144844666667 4a969439-631e-47b8-80fa-741cca4607c3 00:20:56.295 --> 00:20:57.756 on that please. NOTE Confidence: 0.828144844666667 18c69c5b-2d89-4857-8eec-c7ceea404dfc 00:20:57.760 --> 00:21:01.644 Steven, maybe if you can repeat that, NOTE Confidence: 0.828144844666667 b33d429b-e46f-4877-98e3-ae83290d8fc5 00:21:01.644 --> 00:21:03.604 you're you're talking about precept NOTE Confidence: 0.828144844666667 55a499e6-fa48-41cb-bce4-91036c5f6155 00:21:03.604 --> 00:21:05.980 and what I how I came to it. NOTE Confidence: 0.828144844666667 209445eb-9b0a-4027-a241-666a34389688 00:21:05.980 --> 00:21:06.181 No. NOTE Confidence: 0.828144844666667 277b343b-c252-411d-99c2-3b83642ae32d 00:21:06.181 --> 00:21:07.990 Well it well, yes we could hear about that. NOTE Confidence: 0.828144844666667 78bd6fbf-910d-459d-880e-eaf9a71e55fb 00:21:07.990 --> 00:21:08.980 That would certainly be interesting, NOTE Confidence: 0.828144844666667 6a94b279-2b80-4af5-97a8-436b334381cb 00:21:08.980 --> 00:21:11.244 but I think the question is with regard NOTE Confidence: 0.828144844666667 d54df2d6-0487-42d0-8bd5-6a56cba7c0f5 00:21:11.244 --> 00:21:13.820 to a crisis and responding quickly, NOTE Confidence: 0.828144844666667 9fb2b8ad-91be-4f28-81f7-c61d8cb3a73a 00:21:13.820 --> 00:21:15.000 which is, as you say, NOTE Confidence: 0.828144844666667 b90c7e65-95b4-4818-b5ef-44c16cc20852 00:21:15.000 --> 00:21:16.191 building immediately digital NOTE Confidence: 0.828144844666667 fc621f09-5724-4589-a81c-63edfa7a5e68 00:21:16.191 --> 00:21:18.176 channels you didn't have before. NOTE Confidence: 0.828144844666667 236b1dc0-17ea-45c7-b257-68c8e159bbf1 00:21:18.180 --> 00:21:20.520 Is it the regulator that tells you to do NOTE Confidence: 0.828144844666667 fff52a31-9aca-4707-b41d-2990ee5b0cde 00:21:20.520 --> 00:21:23.075 it as so every every competitor does it? NOTE Confidence: 0.828144844666667 2b32ff97-8e67-4bc8-9c8d-e6c7b95a36ed 00:21:23.080 --> 00:21:26.518 Or is it the role of leadership and then NOTE Confidence: 0.828144844666667 310ffb18-068e-4104-af8b-51d22587c218 00:21:26.518 --> 00:21:29.458 motivating teams but listening to customers? NOTE Confidence: 0.828144844666667 fdf54f67-b867-4c76-ba7f-10f19f01a233 00:21:29.460 --> 00:21:32.700 Which is the most important in that in NOTE Confidence: 0.828144844666667 c5cfb2f9-68e7-4a02-a398-6e63e0fba560 00:21:32.700 --> 00:21:35.197 responding and surviving as you say? NOTE Confidence: 0.828144844666667 a6fdd982-0416-49dc-a02f-6d978bb14489 00:21:35.200 --> 00:21:40.152 Look, I think for me it's it's NOTE Confidence: 0.828144844666667 1f7260a1-0e9e-4743-bf66-70ce676cee8b 00:21:40.152 --> 00:21:41.504 quite straightforward, NOTE Confidence: 0.828144844666667 e18132e8-047a-4df9-9b39-40b44cb29858 00:21:41.504 --> 00:21:42.856 it's leadership. NOTE Confidence: 0.828144844666667 e02a1d5a-eecf-498f-99c1-b1a5b8fce532 00:21:42.860 --> 00:21:45.535 Its leadership that makes the NOTE Confidence: 0.828144844666667 0dcd7124-a408-43fd-adfc-d102076f47ef 00:21:45.535 --> 00:21:47.941 difference in a crisis because NOTE Confidence: 0.828144844666667 59513d07-79c3-4b62-8007-6cee064ad52c 00:21:47.941 --> 00:21:50.029 you you have to make the call and NOTE Confidence: 0.828144844666667 25daa2d0-2dda-4106-9169-2fbccb4a7624 00:21:50.029 --> 00:21:52.017 as you said you made your call. NOTE Confidence: 0.953927117142857 c3279d77-6275-4e3a-8201-4a67ce296572 00:21:52.020 --> 00:21:53.974 You said it would take two weeks. Yes, NOTE Confidence: 0.953927117142857 e58253ac-2e47-484c-878e-1f305a621fb7 00:21:53.974 --> 00:21:56.260 it's still going on for for for two years. NOTE Confidence: 0.953927117142857 e2674f03-2c6a-4039-8f40-96a3fecda178 00:21:56.260 --> 00:21:59.140 But the point is in the two weeks your NOTE Confidence: 0.953927117142857 fca41541-bc22-4595-99b3-7945436d4d6b 00:21:59.140 --> 00:22:01.728 mindset and your the way you configure it NOTE Confidence: 0.953927117142857 162d22f7-05cf-4e85-94fb-77eef599c12b 00:22:01.728 --> 00:22:04.660 and how you approach things would be very NOTE Confidence: 0.953927117142857 18250717-bb59-4c18-9d73-05633990790d 00:22:04.660 --> 00:22:07.402 different from if you had said this thing NOTE Confidence: 0.953927117142857 f9fa9ff1-2b78-4190-87ed-4043b170e65f 00:22:07.402 --> 00:22:10.179 is never going to go away and we are stuck. NOTE Confidence: 0.953927117142857 7692a5a9-6ab2-4ee8-9960-fc0832195ddc 00:22:10.180 --> 00:22:11.980 Nothing is going to happen. NOTE Confidence: 0.953927117142857 74243799-25d1-4cc6-abf7-7f5f1b0c8401 00:22:11.980 --> 00:22:14.416 And so for me, that leadership, NOTE Confidence: 0.953927117142857 a6afb060-f8b1-43af-a7e1-c9ab73e9ef43 00:22:14.420 --> 00:22:16.877 thought and the sense of direction it NOTE Confidence: 0.953927117142857 25c0d4b3-2314-4cec-8e33-f7832ea5760d 00:22:16.877 --> 00:22:19.420 brings is what makes the difference. NOTE Confidence: 0.953927117142857 ed8d6c56-0a98-49f9-a515-cd8930e11b10 00:22:19.420 --> 00:22:21.877 I mean, in our team we made a call. NOTE Confidence: 0.953927117142857 0cd61a82-be49-4125-a49b-b3ec099edf8f 00:22:21.880 --> 00:22:23.090 We said that the lockdowns NOTE Confidence: 0.953927117142857 d30a6228-318d-4026-934e-ec451273ac3a 00:22:23.090 --> 00:22:24.300 will probably last the month, NOTE Confidence: 0.953927117142857 a41a7d62-db05-4dcf-964f-8b5822980c87 00:22:24.300 --> 00:22:26.547 but the after effects of it we NOTE Confidence: 0.953927117142857 f68138cb-86f0-43cb-b745-e859aae7c355 00:22:26.547 --> 00:22:28.818 made a call on three months. NOTE Confidence: 0.953927117142857 e3e6f553-8b1c-49ab-96e8-38837a7c9583 00:22:28.820 --> 00:22:31.718 We said that in three months time, NOTE Confidence: 0.953927117142857 be5955cc-700c-4116-845d-9149727280b3 00:22:31.720 --> 00:22:33.430 the world will probably start NOTE Confidence: 0.953927117142857 e8da9f6e-5274-4354-b56c-5f487a4017f1 00:22:33.430 --> 00:22:34.456 opening up again. NOTE Confidence: 0.953927117142857 f110a6b5-3667-4f7c-939b-58b745ca68a7 00:22:34.460 --> 00:22:37.295 It did open up in three months, NOTE Confidence: 0.953927117142857 33e594f9-07a4-457b-b404-5fe171e4ac83 00:22:37.300 --> 00:22:38.868 but of course they were in the NOTE Confidence: 0.953927117142857 e6f371e2-740b-4a85-a2ca-464005e10100 00:22:38.868 --> 00:22:40.179 closed again in a few times, NOTE Confidence: 0.953927117142857 b1dd7ca1-2dc2-4da9-85d3-3146498c7b18 00:22:40.180 --> 00:22:41.296 and so on and so forth. NOTE Confidence: 0.953927117142857 c01c3939-c0bc-44c3-8e47-9aec5ca0c1c8 00:22:41.300 --> 00:22:44.205 But the the critical piece was, it did not. NOTE Confidence: 0.953927117142857 52efaece-909b-4790-9ff6-4b97f2bd004b 00:22:44.205 --> 00:22:46.307 It made it put us in a position NOTE Confidence: 0.953927117142857 415991c7-c65f-4e08-85e9-d73d7071d8ff 00:22:46.307 --> 00:22:48.617 where we did not stop working. NOTE Confidence: 0.953927117142857 2e09bf8b-c890-4bed-88a0-7260b14dc4bc 00:22:48.620 --> 00:22:50.804 I mean, some of the hardest NOTE Confidence: 0.953927117142857 b4147fd1-09dc-42d2-aa4e-9689d1d2f150 00:22:50.804 --> 00:22:53.300 work we've done in our company. NOTE Confidence: 0.953927117142857 6450fa5e-b122-491f-b54b-8ec17cec8c50 00:22:53.300 --> 00:22:55.190 We did during the pandemic NOTE Confidence: 0.953927117142857 97fe01f3-d957-49a9-abdf-a1bdab0b6d96 00:22:55.190 --> 00:22:57.503 we did during the the end. NOTE Confidence: 0.953927117142857 269269c5-81f7-403f-8d45-3c5d960257b5 00:22:57.503 --> 00:23:00.464 Do some basic things also that we NOTE Confidence: 0.953927117142857 e4fe20e9-78b5-45af-bfe8-eed9af04b10b 00:23:00.464 --> 00:23:02.627 made decisions on so one of the NOTE Confidence: 0.953927117142857 4dbd759b-b1f0-4202-a971-761a904afbda 00:23:02.627 --> 00:23:04.301 things was remember today the world NOTE Confidence: 0.953927117142857 2d0eb03a-d9c8-44e2-a45e-cf82cd71510f 00:23:04.301 --> 00:23:06.698 is used to working remotely when we, NOTE Confidence: 0.953927117142857 2e5225e7-59a0-442e-8ee4-86e0ce6bddb4 00:23:06.698 --> 00:23:09.450 when the pandemic hit we were not clear NOTE Confidence: 0.953927117142857 f8867200-fad8-44bd-8f1c-234d4028a9d4 00:23:09.523 --> 00:23:11.490 what what remote working could be. NOTE Confidence: 0.953927117142857 822f8355-5e93-40a0-b250-b80f9322e529 00:23:11.490 --> 00:23:13.248 Some organizations have tried it out, NOTE Confidence: 0.953927117142857 5bf56a74-77cb-4220-b61a-5469895a280e 00:23:13.250 --> 00:23:16.310 but it wasn't as pervasive as it is today. NOTE Confidence: 0.953927117142857 7386aaa0-927e-4502-acd1-3eff355c2a9b 00:23:16.310 --> 00:23:18.734 So one of the things that we did NOTE Confidence: 0.953927117142857 bef697eb-0350-452c-a97b-e27ac8f7d91d 00:23:18.734 --> 00:23:21.166 was we said we needed to make sure NOTE Confidence: 0.953927117142857 0e772bad-ddac-4e3a-9362-8c6559b3ca36 00:23:21.166 --> 00:23:23.670 that we're in touch with our teams. NOTE Confidence: 0.953927117142857 f19f8fec-ac2b-4f70-ab92-091974cf894c 00:23:23.670 --> 00:23:27.020 So my team and I. NOTE Confidence: 0.953927117142857 d7c551c5-d70e-418b-af15-dcbef1090f49 00:23:27.020 --> 00:23:31.668 Believe it or not, met every single day. NOTE Confidence: 0.953927117142857 f51480e0-c58d-4b9a-8619-c8e1989e2c2a 00:23:31.670 --> 00:23:34.182 For an hour or an hour and a NOTE Confidence: 0.953927117142857 bf4688df-1930-42d1-820d-73bfbbed9664 00:23:34.182 --> 00:23:36.109 half every single morning. NOTE Confidence: 0.953927117142857 c695e6f4-7576-40ae-b915-27ebfcc30c9b 00:23:36.110 --> 00:23:38.902 Throughout that lockdown period. NOTE Confidence: 0.953927117142857 51d3a8fc-41ca-4f96-87ba-19ac742b245e 00:23:38.902 --> 00:23:40.298 I mean, NOTE Confidence: 0.953927117142857 d1976bec-7e79-402b-9b3a-4e372a57f9ef 00:23:40.300 --> 00:23:42.046 I think it continued even for NOTE Confidence: 0.953927117142857 54b6a2b6-b9cf-4449-a5aa-1b4005d5e831 00:23:42.046 --> 00:23:43.859 almost six months before we started, NOTE Confidence: 0.953927117142857 bd46c5c0-efbf-4ea3-b660-f4d129a7ade2 00:23:43.860 --> 00:23:45.570 then disengage a little bit and NOTE Confidence: 0.953927117142857 ba3d548b-6478-4aed-8950-b7425e1ce745 00:23:45.570 --> 00:23:47.260 reduce the number up to today. NOTE Confidence: 0.953927117142857 e3dc9f9c-d7ff-40d1-a5e6-1996fa7f1f8c 00:23:47.260 --> 00:23:50.004 We still apply that because it it's NOTE Confidence: 0.953927117142857 90bda2ef-dec9-4aee-b445-4afdcc7a1230 00:23:50.004 --> 00:23:52.169 amazing how quickly it allowed us NOTE Confidence: 0.953927117142857 dc025a5c-3259-4f06-bb38-bab463813847 00:23:52.169 --> 00:23:54.814 to be able to one learn about each NOTE Confidence: 0.953927117142857 e33228fb-b5f0-4c7d-9591-d70106c88b42 00:23:54.814 --> 00:23:57.376 other and learn about their business. NOTE Confidence: 0.953927117142857 0e497ce7-f359-48ae-9348-a833f767e6ea 00:23:57.380 --> 00:23:59.340 To make sure that we were sharing NOTE Confidence: 0.953927117142857 106bf5ee-394f-415b-912c-50f5c63b1756 00:23:59.340 --> 00:24:01.043 the experiences in a much faster NOTE Confidence: 0.953927117142857 8cd89b2c-b0c8-423d-8e19-c095dc78d604 00:24:01.043 --> 00:24:02.657 way than you would normally do. NOTE Confidence: 0.953927117142857 19d15b9d-a813-431e-a61d-ca8545620a49 00:24:02.660 --> 00:24:04.298 Because when you're not working remotely, NOTE Confidence: 0.953927117142857 61c364d2-2196-4d21-8024-434da308a111 00:24:04.300 --> 00:24:05.482 it's about traveling, NOTE Confidence: 0.953927117142857 6e7c1b7a-df0d-4048-bd59-d3e7c7955580 00:24:05.482 --> 00:24:07.846 so there were so many benefits NOTE Confidence: 0.953927117142857 9f4c29ec-7205-489a-9442-7484212eebf1 00:24:07.846 --> 00:24:09.278 that arose from it. NOTE Confidence: 0.953927117142857 28de7cfb-de71-4e20-8197-c3c916d543fc 00:24:09.280 --> 00:24:11.160 But I will say that the first step NOTE Confidence: 0.953927117142857 0c03098c-1ce0-480b-8bfe-c0b3aedda606 00:24:11.160 --> 00:24:13.141 was that leadership call that we made NOTE Confidence: 0.953927117142857 92e98fc8-5a94-4e6d-83dc-58454001dff1 00:24:13.141 --> 00:24:15.566 as a team to say we will stay open. NOTE Confidence: 0.97186634 edf996f7-6b89-4e58-8dce-d3677e5f4f80 00:24:17.840 --> 00:24:19.100 Yeah, I'm sure that's right. NOTE Confidence: 0.97186634 80797812-bbe2-47f1-b212-8871b0c31f39 00:24:19.100 --> 00:24:23.168 And uhm, of course we talk a lot about. NOTE Confidence: 0.97186634 f692875f-4f47-4381-a427-807a12b3e374 00:24:23.170 --> 00:24:27.650 Taking ideas and listening to our customers, NOTE Confidence: 0.97186634 970933c4-8d5b-4cef-9df7-cc834457a540 00:24:27.650 --> 00:24:29.081 our external customers. NOTE Confidence: 0.97186634 d1ff5975-6bc4-4903-8d80-80bc06826fcb 00:24:29.081 --> 00:24:30.989 They pay the UM, NOTE Confidence: 0.97186634 72e54221-adb3-4a80-b297-aef2d81b0ba0 00:24:30.990 --> 00:24:34.386 they pay the the bills ultimately, NOTE Confidence: 0.97186634 b1085542-ea47-45ed-9e52-73571f4ce81d 00:24:34.390 --> 00:24:36.434 but equally we need to take care NOTE Confidence: 0.97186634 cc511af2-3056-4b3a-8021-1ade75dcaeec 00:24:36.434 --> 00:24:38.590 and listen to and our colleagues, NOTE Confidence: 0.97186634 59190056-c415-4a6c-98f3-b557bfe22acf 00:24:38.590 --> 00:24:40.246 our staff, our employees, NOTE Confidence: 0.97186634 e55a6e09-22bd-4233-80be-e30bf5261a38 00:24:40.246 --> 00:24:43.506 whatever we call them so that we can NOTE Confidence: 0.97186634 e946ddbb-41f3-45f1-b6d5-d55f4b45f8f0 00:24:43.506 --> 00:24:46.488 move forward as a team in terms of NOTE Confidence: 0.97186634 a5bd4dd1-e84a-4f06-af71-7e286de4ea0f 00:24:46.488 --> 00:24:48.910 moving on from a legacy approach as NOTE Confidence: 0.97186634 df8f4c5b-50fa-4797-8725-ba8e593c01d9 00:24:48.989 --> 00:24:51.789 it's described in your in your biopic, NOTE Confidence: 0.97186634 74a45c0b-a872-4f00-baa9-5d12502ca195 00:24:51.790 --> 00:24:54.070 you refer to the 625 execution. NOTE Confidence: 0.97186634 f6cc1b77-e530-4342-bfbe-50ae894234bc 00:24:54.070 --> 00:24:56.275 Road map. Now that sounds like it NOTE Confidence: 0.97186634 7ebb03ab-28f7-4034-81d5-c13ef696b0be 00:24:56.275 --> 00:24:58.844 might almost be a song. The 625, no, NOTE Confidence: 0.97186634 3beea626-7849-469f-8f70-db4b94db64d7 00:24:58.844 --> 00:25:00.892 but anyway, enough of the singing. NOTE Confidence: 0.97186634 e175bc4d-8ba6-449e-83f1-0437dabced8a 00:25:00.892 --> 00:25:03.614 What can you tell us about the, uh, NOTE Confidence: 0.97186634 38de099d-884a-4b54-b741-07cbc5ae652d 00:25:03.614 --> 00:25:06.098 you talk about leadership that's clear. NOTE Confidence: 0.97186634 882c3126-c902-41ab-a8a9-005c4ed767ac 00:25:06.100 --> 00:25:08.746 Then you talk in your bio about NOTE Confidence: 0.97186634 735761c2-d2b4-4555-8f21-51d5ae1f8b5b 00:25:08.746 --> 00:25:10.340 a well articulated plan. NOTE Confidence: 0.97186634 1a6b399b-9b4e-4d1c-a4d6-3ec6cb9c1746 00:25:10.340 --> 00:25:11.864 I presume that so that everybody NOTE Confidence: 0.97186634 a71474c3-25bf-4c2b-96cd-bde926ee6b23 00:25:11.864 --> 00:25:12.880 knows what we're doing. NOTE Confidence: 0.97186634 1fe3e82b-1019-4eb7-a0dd-4aae9713b680 00:25:12.880 --> 00:25:15.925 What, what sheet are we singing from? NOTE Confidence: 0.97186634 e4c34049-3c77-4894-8c55-33b7b16eecec 00:25:15.930 --> 00:25:17.412 Could you share a little bit NOTE Confidence: 0.97186634 614cb5ff-e693-407c-bbb7-fcdb2fccfa66 00:25:17.412 --> 00:25:21.102 about this 625 execution Rd map? NOTE Confidence: 0.97186634 584ab285-a270-432f-97b3-819d53b94a32 00:25:21.102 --> 00:25:22.698 Right so. NOTE Confidence: 0.97186634 598f7920-7304-46de-b3f5-a7718fba0147 00:25:22.700 --> 00:25:25.916 I think, uh, it's it's an interesting one. NOTE Confidence: 0.97186634 de8a3473-ee64-4256-a661-74e64cc1c24b 00:25:25.920 --> 00:25:26.500 It was. NOTE Confidence: 0.97186634 31331e08-bd30-4f53-ba38-0903765ca8ce 00:25:26.500 --> 00:25:29.284 It was coined by us as a team just NOTE Confidence: 0.97186634 66c7d54e-2677-4f81-9fd2-75db08f689ac 00:25:29.284 --> 00:25:32.300 before the pandemic we had when I joined NOTE Confidence: 0.97186634 ffabaa2c-5b3a-4c12-b631-1a34aa1ce41b 00:25:32.300 --> 00:25:34.828 in our very first sort of off site, NOTE Confidence: 0.97186634 c7fc632c-a137-4c3c-b387-dfe8b442a2a4 00:25:34.828 --> 00:25:36.982 we had to discuss how we're gonna run NOTE Confidence: 0.97186634 de974f6d-fb98-4cac-931c-a50fc4625280 00:25:36.982 --> 00:25:38.920 and work together around the business, NOTE Confidence: 0.97186634 9c3d5875-0b99-4393-8fce-06b47af4c309 00:25:38.920 --> 00:25:40.240 work together, and so on. NOTE Confidence: 0.97186634 055403a0-d307-43f5-a9b5-c23f6cba1922 00:25:40.240 --> 00:25:42.000 That's when it came up. NOTE Confidence: 0.97186634 0395402b-4f81-4f01-975a-28f59cf3cdd2 00:25:42.000 --> 00:25:43.784 We're discussing the plan NOTE Confidence: 0.97186634 87b9ac72-f9e7-4e98-a2f5-8fd60519e59a 00:25:43.784 --> 00:25:46.014 and then we talked about. NOTE Confidence: 0.97186634 d819671e-e914-4c81-aebf-03334b1c5947 00:25:46.020 --> 00:25:48.099 How do we break down the plan NOTE Confidence: 0.97186634 312b8fa4-f5b1-4178-9c44-61cbe97361de 00:25:48.099 --> 00:25:50.258 and and so on and so forth. NOTE Confidence: 0.97186634 e68b9478-0a11-47bc-82db-d9f7f23f5cdd 00:25:50.260 --> 00:25:51.799 And that's how the six to five came about, NOTE Confidence: 0.97186634 d85f4da0-4f7f-45c2-9269-c08e3384f698 00:25:51.800 --> 00:25:54.929 so it it actually is representative of NOTE Confidence: 0.97186634 4d7d9df7-de16-4d42-a33c-c2b40e60b1e3 00:25:54.929 --> 00:25:58.337 the phases in our five year strategy. NOTE Confidence: 0.97186634 dcd7d3fc-23db-4f0f-aeae-2167ffe45859 00:25:58.340 --> 00:26:00.540 So six or six months. NOTE Confidence: 0.97186634 b5c731b6-6887-4c48-adc8-63fedd4294b8 00:26:00.540 --> 00:26:03.706 So we call that plan 622 years. NOTE Confidence: 0.97186634 9d31473d-794d-42ff-b726-431c64068cc9 00:26:03.706 --> 00:26:04.718 So that's plan 2, NOTE Confidence: 0.97186634 ba57117f-2cf3-4261-8285-5ea77579f505 00:26:04.720 --> 00:26:07.327 which is really 2021 and 2022. NOTE Confidence: 0.97186634 c077eeb5-29cf-499b-a3ae-2124ef479999 00:26:07.327 --> 00:26:09.070 So this year we are in the NOTE Confidence: 0.97186634 642c0117-c01c-4817-ad49-170a9d71e1c6 00:26:09.139 --> 00:26:10.479 second year of Plan 2. NOTE Confidence: 0.97186634 6551ba7f-e1b1-4943-b3c0-8b8fecd009b2 00:26:10.480 --> 00:26:12.400 Then we have plan 5, NOTE Confidence: 0.97186634 65f47312-26a1-449d-849d-5ea448b667cf 00:26:12.400 --> 00:26:14.680 which is really the full five NOTE Confidence: 0.97186634 a1b34542-d583-4eb7-9c28-1efdc59365b4 00:26:14.680 --> 00:26:16.464 year period from 2020 2025. NOTE Confidence: 0.97186634 bce92387-c944-4af7-89e7-c7b0c3810396 00:26:16.464 --> 00:26:18.074 So that's what it is. NOTE Confidence: 0.97186634 3f00dbc0-9fe5-48c6-b7d9-ac801f9c2f85 00:26:18.080 --> 00:26:20.290 But I think what was at the core of it. NOTE Confidence: 0.97186634 36a17aa7-79d4-48f6-b6a5-0241a7c5e021 00:26:20.290 --> 00:26:23.027 Was that we all agreed that we NOTE Confidence: 0.97186634 7aa87a86-a821-405d-807c-217bb1aec197 00:26:23.027 --> 00:26:25.300 needed to transform our business. NOTE Confidence: 0.97186634 36f71e6f-20e4-4a95-80d6-a599622373b5 00:26:25.300 --> 00:26:28.900 And at the heart had to be digitalization. NOTE Confidence: 0.97186634 c7249ff7-8f8f-42b2-8a69-9b6186467311 00:26:28.900 --> 00:26:31.896 So we have just started that conversation NOTE Confidence: 0.97186634 0790f1a7-5917-41cb-8398-9a615643cdae 00:26:31.900 --> 00:26:33.958 and then we went into lockdown, NOTE Confidence: 0.97186634 4231060f-cb33-4e8f-93f4-57e82acb1059 00:26:33.960 --> 00:26:35.124 which then you know, NOTE Confidence: 0.97186634 f0d72e1a-79e0-4a2e-8105-ba160e65d8a5 00:26:35.124 --> 00:26:37.600 enabled us to be on the same page. NOTE Confidence: 0.97186634 2b0bf505-07ce-4bab-ac61-ad01403ae220 00:26:37.600 --> 00:26:39.287 When we decided that look we were NOTE Confidence: 0.97186634 c13da3a6-c3e9-4f52-8957-19d1b324d0d4 00:26:39.287 --> 00:26:41.289 going to stay open and continue to NOTE Confidence: 0.97186634 7ba29574-11ad-4066-8031-ae9d7478dff6 00:26:41.289 --> 00:26:42.824 provide access for the customers. NOTE Confidence: 0.97186634 4ec4e963-aa6c-43b6-9336-02a038e56654 00:26:42.830 --> 00:26:44.867 So that's that's the story behind 625. NOTE Confidence: 0.97186634 f7d58f6b-a072-4ca6-abba-be4e6c44bb39 00:26:44.870 --> 00:26:47.610 What happened though was because NOTE Confidence: 0.97186634 e26394ae-0dcc-4d48-a35a-ccc167f11309 00:26:47.610 --> 00:26:50.740 we are listed company we do. NOTE Confidence: 0.97186634 59e8e2bc-3e4b-4c9a-8c1a-12eeb5780332 00:26:50.740 --> 00:26:53.827 And share results with the public a NOTE Confidence: 0.97186634 b7b82cb0-40a2-4e0a-8f5c-7039ec441ffc 00:26:53.830 --> 00:26:57.124 twice a year and when we talked about it, NOTE Confidence: 0.97186634 3fe00007-f58b-496d-a0d4-c0d5d3dd9bb4 00:26:57.130 --> 00:26:59.260 we used the technology and the NOTE Confidence: 0.97186634 af4b23ad-321d-4715-8dee-84e5758af00f 00:26:59.260 --> 00:27:01.577 analysts picked it up and it's NOTE Confidence: 0.97186634 ba18b3b5-45ea-4478-bdc4-a4c8348f4c37 00:27:01.577 --> 00:27:03.217 become a standard language. NOTE Confidence: 0.97186634 547c87e6-4976-46d4-b3e4-573e21e4700f 00:27:03.220 --> 00:27:05.691 So anybody who talks to us today NOTE Confidence: 0.97186634 e28b252b-ed47-4d93-ad9d-db480820bf44 00:27:05.691 --> 00:27:08.398 refers to the 625 strategic Rd map, NOTE Confidence: 0.97186634 fc2f315c-388c-43a4-97b9-a5048cc49606 00:27:08.398 --> 00:27:10.046 but that's that's really. NOTE Confidence: 0.97186634 af145614-a528-472c-8c80-55b2b726dc04 00:27:10.050 --> 00:27:11.779 It's just about the faces of our NOTE Confidence: 0.97186634 211e1f3f-64ed-496b-90d6-dac4b6c066b9 00:27:11.779 --> 00:27:13.092 strategy where we have clarity NOTE Confidence: 0.97186634 a414f553-7876-4fb5-ad53-a6875705541d 00:27:13.092 --> 00:27:14.377 around what are the things NOTE Confidence: 0.97186634 01646c8b-a307-4361-a5ee-93b76cbaaee5 00:27:14.377 --> 00:27:15.899 we are doing at each stage. NOTE Confidence: 0.97186634 0a69d187-a1b7-43bf-a53c-41527b629daf 00:27:15.900 --> 00:27:18.388 So the first six months we said it's NOTE Confidence: 0.97186634 608636fb-5baa-4e98-9a7b-f95e19786099 00:27:18.388 --> 00:27:19.948 about creating and strengthening NOTE Confidence: 0.97186634 4419419a-f09f-4b9e-854f-0670f9a984bc 00:27:19.948 --> 00:27:22.128 the foundations of the business. NOTE Confidence: 0.8611003 1b3bc1ae-beff-4404-8477-52a12e0ddd86 00:27:22.130 --> 00:27:23.540 We had a traditional business. NOTE Confidence: 0.8611003 5b0df8df-da57-4ec3-87d1-36f72f5da3bd 00:27:23.540 --> 00:27:25.320 Which needed to be diversified, NOTE Confidence: 0.8611003 ddd11f25-465f-4f9c-9a4a-726f2bad0561 00:27:25.320 --> 00:27:28.015 but we were clear that that business NOTE Confidence: 0.8611003 ab083974-8377-4a77-8ae6-68ac62ae4a06 00:27:28.015 --> 00:27:31.258 had was still profitable was too strong. NOTE Confidence: 0.8611003 0e4f2a84-4a35-4ba1-be45-0d9b0e5a27d3 00:27:31.260 --> 00:27:33.393 We needed to just make sure that it was NOTE Confidence: 0.8611003 0f267545-e7d7-4f5d-8b43-d3b8383bae93 00:27:33.393 --> 00:27:35.156 stronger and we could still do it well. NOTE Confidence: 0.8611003 458d01f6-3d27-4efe-ab01-e9529c5afb05 00:27:35.160 --> 00:27:36.280 Then in the second phase, NOTE Confidence: 0.8611003 f03731f7-0504-4cf6-8a64-01c85a280ca8 00:27:36.280 --> 00:27:39.059 which is the plan two we talk NOTE Confidence: 0.8611003 461372ef-59b5-4abe-842b-6b8877f06bbd 00:27:39.059 --> 00:27:41.284 about being coming customer lead. NOTE Confidence: 0.8611003 17b7bbd2-7d9c-495a-a39b-8d2869b1be34 00:27:41.284 --> 00:27:43.564 And which is about delivering NOTE Confidence: 0.8611003 0b3d2533-48d2-4ec8-8411-c9cb1172b06b 00:27:43.564 --> 00:27:45.890 the diversified product set, NOTE Confidence: 0.8611003 020d0b36-50b6-44ad-9945-e1e1e20373f9 00:27:45.890 --> 00:27:48.755 delivering the the basic infrastructure NOTE Confidence: 0.8611003 2fb5b05b-d409-487d-841c-d9b02279f14f 00:27:48.755 --> 00:27:51.620 and the platforms for digitalization. NOTE Confidence: 0.8611003 d55ff219-b386-4efb-b00d-c738c03c558a 00:27:51.620 --> 00:27:53.706 Then there's plan 5 which is really NOTE Confidence: 0.8611003 323046b9-3aa3-4c0c-b527-40891a02b5f2 00:27:53.706 --> 00:27:56.089 towards the a little bit of the NOTE Confidence: 0.8611003 9df79e25-2733-4e25-aa31-86bf3bff26a2 00:27:56.089 --> 00:27:57.517 future being more futuristic, NOTE Confidence: 0.8611003 22f672f3-76ea-4085-8716-6d5f421b4d5a 00:27:57.520 --> 00:27:59.350 innovative ecosystems and that sort NOTE Confidence: 0.8611003 af7753ee-28c5-4ce6-8d29-b77ace318872 00:27:59.350 --> 00:28:01.869 of thing bringing it all together so NOTE Confidence: 0.8611003 88103fdc-9fbd-4368-ae97-8c48e3329c99 00:28:01.869 --> 00:28:04.046 that by plan five we anticipate that NOTE Confidence: 0.8611003 c823b0fd-5344-4c1f-ae97-0077fd508646 00:28:04.046 --> 00:28:06.642 we will have a very different kind of NOTE Confidence: 0.8611003 6e1ebfed-4762-4748-916c-c91d535ce825 00:28:06.642 --> 00:28:09.070 business and much more powerful business NOTE Confidence: 0.8611003 bf38948e-087a-49fb-b50e-8252d8c84acb 00:28:09.070 --> 00:28:12.010 delivering more for the customer and. NOTE Confidence: 0.8611003 d29c175b-7830-4236-a9aa-0e8c2a53ad9e 00:28:12.010 --> 00:28:13.312 Hopefully also delivering NOTE Confidence: 0.8611003 14215df6-0db5-49cb-82f7-69ec19e00ec7 00:28:13.312 --> 00:28:15.048 more for the shareholder. NOTE Confidence: 0.8611003 6d8c6117-36e8-4218-b344-f6611a9d3849 00:28:15.050 --> 00:28:17.468 So that's 65. Thanks for that. NOTE Confidence: 0.8611003 dfb6d722-711f-4092-9531-1c8855bd5175 00:28:17.470 --> 00:28:19.366 And it's not like you're off, NOTE Confidence: 0.8611003 7b289313-3843-4f59-8e29-a9a82b19714e 00:28:19.370 --> 00:28:21.760 sorry, it's not in our blood 625. NOTE Confidence: 0.8611003 c6641de1-b1eb-4e10-a880-86b190226766 00:28:21.760 --> 00:28:24.738 Yes, now in our blood, but let's say. NOTE Confidence: 0.8611003 7e121973-b57e-4e0e-be30-aaa5ea6e2833 00:28:24.740 --> 00:28:27.554 A little earlier on you said that. NOTE Confidence: 0.8611003 0eac4e9e-e771-4dfa-8de6-5cd57731d3b0 00:28:27.560 --> 00:28:29.444 Your current organization operates NOTE Confidence: 0.8611003 9efd0245-ecca-42f3-b548-52e01a07d907 00:28:29.444 --> 00:28:32.840 across 11 markets in Sub Saharan Africa, NOTE Confidence: 0.8611003 2f8b7339-b32f-41f8-820a-d3c215c13750 00:28:32.840 --> 00:28:36.692 and I guess the question there is a digital NOTE Confidence: 0.8611003 84863ac4-c30f-4cf3-abbc-49b37e37855a 00:28:36.692 --> 00:28:39.534 power over your left hand shoulder there. NOTE Confidence: 0.8611003 deaae1d2-2c18-40eb-b297-04961ebf2430 00:28:39.540 --> 00:28:41.988 You've explained about the need to NOTE Confidence: 0.8611003 d5ef4378-dd80-4674-b1da-2d8c6d061b64 00:28:41.988 --> 00:28:44.099 move quickly into digital channels NOTE Confidence: 0.8611003 e6bac421-4b59-4892-b280-fec2df92408f 00:28:44.099 --> 00:28:46.748 that you didn't have before and in NOTE Confidence: 0.8611003 50785e5d-3d3d-41f3-a245-2db627d6b1f4 00:28:46.748 --> 00:28:48.876 your bio you talk about a legacy NOTE Confidence: 0.8611003 9b65f665-63b5-4477-bdd1-cdb86ed01592 00:28:48.876 --> 00:28:50.260 approach of doing things. NOTE Confidence: 0.8611003 37bbb6b4-4a92-41fe-9e64-0aa5587581a0 00:28:50.260 --> 00:28:53.276 How easy has it been to understand if NOTE Confidence: 0.8611003 338fcc99-ca65-4ed3-b76f-33d13d37aa88 00:28:53.276 --> 00:28:56.329 there are any differences across those NOTE Confidence: 0.8611003 59c7f9ff-5e33-4b4f-b7ef-280591d5a675 00:28:56.329 --> 00:28:59.094 eleven markets in the enthusiasm? NOTE Confidence: 0.8611003 85f8d230-3b4b-4c94-92b0-f3a96fe7d5de 00:28:59.100 --> 00:29:01.380 The willingness of customers in those NOTE Confidence: 0.8611003 b7f3b956-46e5-4e1f-abef-e0097d0e0a3c 00:29:01.380 --> 00:29:04.069 eleven markets to to change or has NOTE Confidence: 0.8611003 859808cc-05bd-4af1-9b73-af100d0413e6 00:29:04.069 --> 00:29:06.271 COVID forced them to change perhaps NOTE Confidence: 0.8611003 27bf438f-2141-4afa-aac6-2d8f6579b3e4 00:29:06.271 --> 00:29:08.997 faster than they normally would have done, NOTE Confidence: 0.8611003 2277ffa4-1458-4299-9c5d-e6548baa695a 00:29:09.000 --> 00:29:10.710 and therefore it's been beneficial NOTE Confidence: 0.8611003 d25545d4-d513-4c66-9dc8-4783050e5e12 00:29:10.710 --> 00:29:11.394 all around. NOTE Confidence: 0.851599715 baf1980b-8cdd-4c8b-b4b7-7b4f44ce08fe 00:29:13.990 --> 00:29:16.048 Yeah, so it's. It's a very. NOTE Confidence: 0.851599715 2dc07f7f-d20a-4813-8ec0-7f0370614045 00:29:16.050 --> 00:29:17.782 It's a great question. NOTE Confidence: 0.851599715 42ecaa51-1585-4fbb-9995-6915022cfc1b 00:29:17.782 --> 00:29:19.081 An interesting question NOTE Confidence: 0.851599715 ace9ab45-ed39-4955-a891-7974da805a54 00:29:19.081 --> 00:29:21.020 that you asked Stephen. NOTE Confidence: 0.851599715 405b3c84-c3b3-4cbc-842b-f45f77f28249 00:29:21.020 --> 00:29:23.962 And I think a couple of parts to it, right? NOTE Confidence: 0.851599715 4a0d06c7-b5b1-481c-824c-8328c1df0407 00:29:23.962 --> 00:29:27.918 So what is? One of the things that we NOTE Confidence: 0.851599715 9f913e29-132a-46ce-9210-ffc40053891f 00:29:27.918 --> 00:29:30.032 laid as a foundation was a principle NOTE Confidence: 0.851599715 e6aed1b2-2afe-4fe2-b38e-f69de8eab2ca 00:29:30.032 --> 00:29:32.084 when we started the discussions around, NOTE Confidence: 0.851599715 bc31f694-2d45-4d1b-a23c-026541f79c19 00:29:32.090 --> 00:29:35.300 digitalization was that that whole NOTE Confidence: 0.851599715 db6a5572-66fb-49c9-aa50-5a558e204590 00:29:35.300 --> 00:29:38.528 transformation journey will be built. NOTE Confidence: 0.851599715 615719c9-6a67-4e5c-b062-876251238b4e 00:29:38.528 --> 00:29:41.758 Ask the people transformation judge. NOTE Confidence: 0.851599715 4cbc3c03-5249-41ed-8577-632b8f437c34 00:29:41.760 --> 00:29:45.390 Because one of the line. NOTE Confidence: 0.851599715 811777ea-9714-4427-9acd-bd3872c4f316 00:29:45.390 --> 00:29:46.980 Sort of, shall I say, NOTE Confidence: 0.851599715 f3ce41d1-7890-412a-a6e9-c42906885b96 00:29:46.980 --> 00:29:49.650 thought and understanding that we we NOTE Confidence: 0.851599715 f066148f-031d-4e24-b9fe-a9ff7f837883 00:29:49.650 --> 00:29:52.629 brought to this was the fact that. NOTE Confidence: 0.851599715 bdfa5fe2-d820-4b0a-966f-0dde7df577d1 00:29:52.630 --> 00:29:54.904 Transforming merely by NOTE Confidence: 0.851599715 c17eb76b-9c15-44fb-b7aa-eec9d013a23e 00:29:54.904 --> 00:29:57.936 putting technology in place. NOTE Confidence: 0.851599715 f6977094-c197-48d7-8033-b615c2741aa0 00:29:57.940 --> 00:30:00.817 Would not lead to the right result. NOTE Confidence: 0.851599715 00a18b4c-01cc-49a8-871e-d27b216de5bb 00:30:00.820 --> 00:30:03.020 You can have all the technology you want, NOTE Confidence: 0.851599715 8f750d62-4356-4591-8277-ee78fdf6da67 00:30:03.020 --> 00:30:05.636 but you will not become a digital company. NOTE Confidence: 0.851599715 e22242e6-0258-4aeb-9f7e-7a99e33f6449 00:30:05.640 --> 00:30:07.620 And we were clear that we wanted to be NOTE Confidence: 0.851599715 de128153-a1bb-46f5-9067-94fec3454834 00:30:07.620 --> 00:30:09.536 what we call a digital first company, NOTE Confidence: 0.851599715 70a54ce1-c995-4615-b489-f8be3f20b606 00:30:09.540 --> 00:30:11.850 which means that 80% of our NOTE Confidence: 0.851599715 cd7e21f1-5f3c-4be4-af09-75144f52a253 00:30:11.850 --> 00:30:13.390 transactions are fully digitalized. NOTE Confidence: 0.851599715 7255110c-6caf-4d2f-98cc-2eea0f138d5d 00:30:13.390 --> 00:30:15.058 They keep from end to end. NOTE Confidence: 0.851599715 e17b8861-2124-44e7-b327-ca6f1e3daca0 00:30:15.060 --> 00:30:17.178 It delivers for the customer convenient NOTE Confidence: 0.851599715 b5f0ad50-d31d-49c9-8ebe-3dbbf8a6d960 00:30:17.178 --> 00:30:19.740 solution and speed and that sort of thing. NOTE Confidence: 0.851599715 01850035-afda-4f35-b8aa-7e9831bac857 00:30:19.740 --> 00:30:23.408 Our competition is not just with the NOTE Confidence: 0.851599715 d0b5b3d8-759b-4e0e-9edd-7270bfe8f2ed 00:30:23.408 --> 00:30:25.799 traditional financial institutions and banks, NOTE Confidence: 0.851599715 5a1396dd-b9f0-4ab6-bd58-9830d37bbd04 00:30:25.800 --> 00:30:27.660 but our competition is also with NOTE Confidence: 0.851599715 87408a79-8636-4fb4-89e4-8b98f856c4b2 00:30:27.660 --> 00:30:29.484 the Fintechs who are very quick, NOTE Confidence: 0.851599715 66067c79-161f-4d72-a258-4d3908c67a6e 00:30:29.484 --> 00:30:32.339 who are nimble and who are able to operate NOTE Confidence: 0.851599715 5b0b4f5d-873e-47bf-920f-cf010761ddeb 00:30:32.340 --> 00:30:36.606 in an environment where the traditional. NOTE Confidence: 0.851599715 9059d53d-604c-4885-9c02-a7ebb5e91334 00:30:36.610 --> 00:30:37.654 They have not struggled, NOTE Confidence: 0.851599715 165b5f37-5b54-48fb-a7e2-3f8992802f2e 00:30:37.654 --> 00:30:39.989 so we want to be a finished office NOTE Confidence: 0.851599715 af0bada6-ad6f-4ff6-9fd9-4b6d6a368b60 00:30:39.989 --> 00:30:42.537 company and for that to happen clearly. NOTE Confidence: 0.851599715 4263b936-8345-4a41-b2dc-827ffe7711f3 00:30:42.537 --> 00:30:46.113 The bottle was going to be with the NOTE Confidence: 0.851599715 5da669d5-d7a8-45c4-8b9e-e59e8f6df944 00:30:46.113 --> 00:30:49.184 mindset because we had a we had a company NOTE Confidence: 0.851599715 2f4747bb-5e43-41c7-b55a-6e0164c30024 00:30:49.184 --> 00:30:51.829 which was 22 years old at the time. NOTE Confidence: 0.851599715 658a511f-731e-4456-a44b-361b9319d15d 00:30:51.830 --> 00:30:54.007 Minutes the number of the people there NOTE Confidence: 0.851599715 7d15e9f4-fd2e-402d-b2c9-90b2704e06a9 00:30:54.007 --> 00:30:56.496 had been in the company all as well. NOTE Confidence: 0.851599715 429bb720-f56a-42d3-afa9-e4982bb23985 00:30:56.500 --> 00:30:58.508 The one thing, though, NOTE Confidence: 0.851599715 ea3cb2a6-3150-44e7-80bc-b81172f90c40 00:30:58.508 --> 00:31:02.430 which was a benefit I would say was. NOTE Confidence: 0.851599715 e532776d-91dd-4f99-9599-1fdd35c33a81 00:31:02.430 --> 00:31:05.466 I would say the large majority. NOTE Confidence: 0.851599715 e4e40108-7365-420d-be0c-515df26d3f75 00:31:05.470 --> 00:31:07.910 The overwhelmingly large majority of NOTE Confidence: 0.851599715 9d206212-63d3-4ad1-87c9-9da25628d13b 00:31:07.910 --> 00:31:11.583 the people in the company when I came NOTE Confidence: 0.851599715 22120aa9-66d5-4705-b6ca-591918c05256 00:31:11.583 --> 00:31:15.017 on board were very keen and ready to NOTE Confidence: 0.851599715 0d07013f-8a40-4fed-bdb5-a81859e4f737 00:31:15.017 --> 00:31:18.930 make the journey. So you had that. NOTE Confidence: 0.851599715 d851c59d-dbfd-47c4-ab99-b045c4a34d9a 00:31:18.930 --> 00:31:20.835 However they understanding. NOTE Confidence: 0.851599715 05ada5ea-9233-4436-bfc3-59d46366eded 00:31:20.840 --> 00:31:22.940 Also differed from country to country, NOTE Confidence: 0.851599715 396534e7-6df9-4dc6-9e18-e0bf0c1dd08d 00:31:22.940 --> 00:31:24.188 from person to person. NOTE Confidence: 0.851599715 542d00f7-5cb9-4e97-88b7-d732a10cbb6a 00:31:24.188 --> 00:31:26.060 So some people needed a slightly NOTE Confidence: 0.851599715 2be23751-b864-48f1-b19a-2c30afd55026 00:31:26.125 --> 00:31:27.657 longer journey than others, NOTE Confidence: 0.851599715 228c7367-39fd-404a-9700-7882e1b2704c 00:31:27.660 --> 00:31:29.886 but it was more important was most NOTE Confidence: 0.851599715 22e71ffe-e904-42fb-a655-d6e60f0ae634 00:31:29.886 --> 00:31:31.937 important that we ensure that we NOTE Confidence: 0.851599715 de48ff81-a613-4bdb-97e3-41208eb080ef 00:31:31.937 --> 00:31:33.652 had the right conversations going NOTE Confidence: 0.851599715 e3eea316-a27b-4f14-a240-569c2257b3e6 00:31:33.652 --> 00:31:36.128 all the time and we kept the focus NOTE Confidence: 0.851599715 5432faae-5733-4cfc-b9bc-3649e5eed6ba 00:31:36.128 --> 00:31:38.314 on making this about people rather NOTE Confidence: 0.851599715 f9385351-7100-4b86-a4a0-cdb29407f705 00:31:38.314 --> 00:31:40.899 than just about the technology. NOTE Confidence: 0.851599715 be36cd63-49dc-4f1c-b476-666e7dfc4491 00:31:40.900 --> 00:31:43.056 What that meant was it allowed us NOTE Confidence: 0.851599715 dff8aece-0ecf-4968-b56d-142c36eade36 00:31:43.056 --> 00:31:45.552 to make sure that we were training NOTE Confidence: 0.851599715 89b47557-650a-4cf0-8f87-95f5721bac0e 00:31:45.552 --> 00:31:48.408 people in the last year we put in NOTE Confidence: 0.851599715 e932bdda-8731-4b12-9024-0c06f63d9d53 00:31:48.408 --> 00:31:51.080 place a digital learning solution. NOTE Confidence: 0.851599715 f10a5f3e-5ae5-4c95-8a5d-cce6b6a56909 00:31:51.080 --> 00:31:55.480 We had 27,000 landing hours. NOTE Confidence: 0.851599715 be9bca93-4601-4fed-b657-6d6176c195e4 00:31:55.480 --> 00:31:57.688 In our company. NOTE Confidence: 0.851599715 186de7be-1fd6-4653-991c-c6c696183459 00:31:57.690 --> 00:32:02.390 In 2021 some massive step up from NOTE Confidence: 0.851599715 2c5294cc-c558-4aa4-b331-77439e71a406 00:32:02.390 --> 00:32:05.568 where it was before and a lot of the NOTE Confidence: 0.851599715 019dec8a-f33b-433e-8aac-162a1b979a93 00:32:05.568 --> 00:32:07.313 programs that people are learning NOTE Confidence: 0.851599715 f11a2b34-5b58-4539-8aa5-4d15fa1e75a2 00:32:07.313 --> 00:32:09.480 are around digital solutions, NOTE Confidence: 0.851599715 99989b17-4d72-4016-b09d-86687d48ef49 00:32:09.480 --> 00:32:12.820 agile ways of working analytics, NOTE Confidence: 0.851599715 c70bf3e7-2b06-4acc-b528-b038faeaf49d 00:32:12.820 --> 00:32:13.669 learning about data. NOTE Confidence: 0.851599715 1edbcc60-1fa0-443e-bb8e-202f7b049437 00:32:13.669 --> 00:32:15.650 So all the things that bring to NOTE Confidence: 0.851599715 83e45ac0-e160-4d25-b70a-14dcc1eb5d92 00:32:15.704 --> 00:32:18.068 come together to make a digital NOTE Confidence: 0.851599715 8451c83c-8b71-46d0-8ec8-7e58b77648fd 00:32:18.068 --> 00:32:18.856 transformation successful. NOTE Confidence: 0.851599715 4e52543f-4e5d-4eaf-b840-072b3c8df762 00:32:18.860 --> 00:32:19.778 So yes, NOTE Confidence: 0.851599715 d38c34f2-9f33-4487-9f42-3ca47c285222 00:32:19.778 --> 00:32:22.532 there was a difference in understanding NOTE Confidence: 0.851599715 0a2aa351-94b3-4658-b1f5-4c5120faed84 00:32:22.532 --> 00:32:25.196 and appreciation in readiness across NOTE Confidence: 0.851599715 bbde2667-a677-47ff-88b9-d5d5b825832f 00:32:25.196 --> 00:32:27.976 different markets across different people. NOTE Confidence: 0.851599715 ebd42bdb-6523-4870-bb83-0a0044763726 00:32:27.980 --> 00:32:29.198 I would say they were it. NOTE Confidence: 0.851599715 732e7f52-cc3f-4ae8-a5ea-0fa8afe6a28b 00:32:29.200 --> 00:32:30.750 It came down to individuals. NOTE Confidence: 0.851599715 b4c0b50e-8477-48e4-a4f5-a73f442507ba 00:32:30.750 --> 00:32:33.144 But we try to even them out NOTE Confidence: 0.851599715 159dacf8-f8e3-4bed-8a2f-5f8dfe174dfd 00:32:33.144 --> 00:32:34.170 with consistent training, NOTE Confidence: 0.851599715 108d9e66-439a-42d5-b916-05be1843ce2c 00:32:34.170 --> 00:32:36.070 consistent conversations and just NOTE Confidence: 0.851599715 64f532db-0e82-4fd8-bd0e-bec76250da24 00:32:36.070 --> 00:32:38.920 making sure that people were more NOTE Confidence: 0.851599715 d826825d-7158-400c-ad38-6a83ebbade0e 00:32:39.000 --> 00:32:41.060 engaged in the whole process. NOTE Confidence: 0.863071778333333 2eb04205-bb35-47d8-b6af-99cbd91c2219 00:32:41.060 --> 00:32:42.844 I mean, that's really, NOTE Confidence: 0.863071778333333 b165011e-e1ad-45e5-a90d-48ad53ad8cf4 00:32:42.844 --> 00:32:44.068 really impressive 27,000. NOTE Confidence: 0.863071778333333 b5a5d3c4-883c-4c7b-8a9f-79ddd4621be0 00:32:44.068 --> 00:32:45.964 I think you said 27,000 NOTE Confidence: 0.863071778333333 61b38026-d4e0-45bd-bef6-9da7c44d7c1e 00:32:45.964 --> 00:32:48.300 learning hours in 2021. NOTE Confidence: 0.863071778333333 f0453ae8-79c6-48a8-bb13-2fbc1c634151 00:32:48.300 --> 00:32:52.520 You know of your of your colleagues and of NOTE Confidence: 0.863071778333333 836709de-1de6-4252-a298-005438fb16ce 00:32:52.520 --> 00:32:55.160 course what we've been discussing there, NOTE Confidence: 0.863071778333333 e8d59fb4-0eb1-4321-b988-3c06aabdc970 00:32:55.160 --> 00:32:57.038 and you've been making quite clear NOTE Confidence: 0.863071778333333 1206b082-d791-4aab-8f20-ce2e2cd4a739 00:32:57.038 --> 00:32:58.892 it isn't technology push you can NOTE Confidence: 0.863071778333333 d7872cca-e1d2-4399-839f-f1c16fca8c07 00:32:58.892 --> 00:33:00.518 keep pushing all the technology you NOTE Confidence: 0.863071778333333 804cc5e3-e7af-4700-a958-bb7c610f3033 00:33:00.518 --> 00:33:02.389 want at employees and customers. NOTE Confidence: 0.863071778333333 f2d368d3-0e3e-49b0-b449-30a886e913c9 00:33:02.390 --> 00:33:04.854 If you haven't established why it benefits, NOTE Confidence: 0.863071778333333 dbda75fa-3630-4406-966e-15350e474414 00:33:04.860 --> 00:33:07.289 well the customer 1st and also your NOTE Confidence: 0.863071778333333 9dceae1c-5bc5-4b4f-8ec5-2954d106074f 00:33:07.289 --> 00:33:09.138 employees, but they may not pick it up. NOTE Confidence: 0.863071778333333 2fc10c01-2087-4acf-bad0-13d20c6485f3 00:33:09.140 --> 00:33:11.534 Let me just as we draw this. NOTE Confidence: 0.863071778333333 ba99605a-dd87-48e6-b97a-04e890e08c7a 00:33:11.540 --> 00:33:15.988 To a close and then solicit some questions, NOTE Confidence: 0.863071778333333 8485248a-49aa-4cb6-a12b-00963318d03d 00:33:15.990 --> 00:33:18.878 let me ask you about competition. NOTE Confidence: 0.863071778333333 420d4128-d56e-4cf4-842a-af58f0e15a38 00:33:18.878 --> 00:33:21.104 You said that at the time you NOTE Confidence: 0.863071778333333 b0488111-2d65-4744-8897-d19fde5f3793 00:33:21.104 --> 00:33:23.060 you joined and COVID came along, NOTE Confidence: 0.863071778333333 e78bd0c2-75ab-4358-814e-0378e209d9a6 00:33:23.060 --> 00:33:24.836 the company had been going for, NOTE Confidence: 0.863071778333333 f8ec25e4-7f5b-4b16-98d6-ead1e02bf7e6 00:33:24.840 --> 00:33:26.232 I think, 2020 years, NOTE Confidence: 0.863071778333333 9f16326f-2431-431b-884b-0a2ebebf974f 00:33:26.232 --> 00:33:28.320 22 years or something you said. NOTE Confidence: 0.863071778333333 2d2c658b-34ed-4aa1-8ffe-61e087c0aa69 00:33:28.320 --> 00:33:33.045 And then you have to introduce NOTE Confidence: 0.863071778333333 6feb6c59-8bbb-4b8e-a57e-54e5bc387a1c 00:33:33.045 --> 00:33:34.788 these digital channels. NOTE Confidence: 0.863071778333333 cb92a2ac-0288-441e-a541-2f2cd8253f16 00:33:34.790 --> 00:33:36.490 How you've clearly established NOTE Confidence: 0.863071778333333 8f6070ff-a418-467c-a24e-2861b13128b3 00:33:36.490 --> 00:33:39.040 and identified for us how you NOTE Confidence: 0.863071778333333 eff0c593-94c9-4c68-8c20-9cef24ac9e03 00:33:39.120 --> 00:33:41.318 were able to do it so promptly. NOTE Confidence: 0.863071778333333 8401e618-d9b1-4b1e-a336-f1095b67bc44 00:33:41.320 --> 00:33:43.828 But what about the competition that NOTE Confidence: 0.863071778333333 0c010574-8bcc-4781-a261-9dadec9f2a63 00:33:43.828 --> 00:33:45.564 not the the fintechs of this world? NOTE Confidence: 0.863071778333333 f8de6a4f-f620-45b9-ab30-82bc072e4a9d 00:33:45.570 --> 00:33:47.448 'cause you say they're very nimble? NOTE Confidence: 0.863071778333333 4f69f733-f5a0-403b-89b6-d0589abb032b 00:33:47.450 --> 00:33:50.306 They don't have the the physical NOTE Confidence: 0.863071778333333 8d753746-74d9-4d37-bcaa-0d7fa6e5836a 00:33:50.306 --> 00:33:52.787 infrastructure that is attached to NOTE Confidence: 0.863071778333333 a3f429ce-72e1-4abb-9842-780c3f1d9dde 00:33:52.787 --> 00:33:54.771 many financial services providers NOTE Confidence: 0.863071778333333 05e01855-3227-42f6-9b9f-c6f45ab47711 00:33:54.771 --> 00:33:56.755 that slows people down. NOTE Confidence: 0.863071778333333 43d3249d-dce1-46ef-9574-6f3e8a74c135 00:33:56.760 --> 00:33:58.780 All your competitors catching up. NOTE Confidence: 0.863071778333333 f652e53f-06b2-40c3-8fc4-230efa902646 00:33:58.780 --> 00:34:00.140 How do you keep ahead? NOTE Confidence: 0.863071778333333 42eca30b-4135-4d23-b4cc-8dc5022e02c2 00:34:00.140 --> 00:34:03.316 How do you keep ahead in technology when NOTE Confidence: 0.863071778333333 d5d236bc-50e8-4bf8-800d-574d6b54f513 00:34:03.316 --> 00:34:06.960 some technology is available to everybody? NOTE Confidence: 0.863071778333333 664e44d3-10b8-4aff-8aea-e043583a3eb9 00:34:06.960 --> 00:34:08.790 OK, NOTE Confidence: 0.863071778333333 e8d0ab85-77c4-4fbf-b267-f39088cdb817 00:34:08.790 --> 00:34:10.470 thank you very much Steven for NOTE Confidence: 0.863071778333333 c286d717-0e7e-4fd9-8480-a5911a314db6 00:34:10.470 --> 00:34:11.590 that question I think. NOTE Confidence: 0.949663558 45bb3335-39dd-4459-8b16-24cd8bf95ad0 00:34:14.860 --> 00:34:17.363 When I think about it and let me NOTE Confidence: 0.949663558 5faa3bbf-1e61-4ec5-a899-a962f365fb27 00:34:17.363 --> 00:34:18.989 use the example of what actually NOTE Confidence: 0.949663558 9c6badb0-5cad-4737-929a-69f89af2759f 00:34:18.989 --> 00:34:20.695 happened during the pandemic, right? NOTE Confidence: 0.949663558 a2698ecd-134d-44d2-80c6-8469c57225ca 00:34:20.695 --> 00:34:24.782 And if you go back and read a lot of what NOTE Confidence: 0.949663558 9a137db0-14a9-4d57-9814-89dd9641e56f 00:34:24.782 --> 00:34:27.734 people talked about during that period, NOTE Confidence: 0.949663558 0d20eed1-911c-4643-84f7-a1bf4be4c02c 00:34:27.740 --> 00:34:29.815 I think the first inclination NOTE Confidence: 0.949663558 28072fd4-8b31-4eba-a85d-90453d87e1fe 00:34:29.815 --> 00:34:31.060 from financial institutions, NOTE Confidence: 0.949663558 919d6e8a-8980-4665-b7da-35ad8ae490f2 00:34:31.060 --> 00:34:34.700 some of them scarred a little bit from NOTE Confidence: 0.949663558 618045c9-c535-4faa-910f-8aa073b7b264 00:34:34.700 --> 00:34:37.140 the financial crisis in 2000 and eight, NOTE Confidence: 0.949663558 879ae88a-a99d-417d-9483-d32dba989fba 00:34:37.140 --> 00:34:39.928 2009, and so on. NOTE Confidence: 0.949663558 2e5c6e1d-5970-411a-8856-3eb86f96df91 00:34:39.930 --> 00:34:42.030 The first thing that people wanted NOTE Confidence: 0.949663558 1f7275e0-58ed-4d7f-a111-f547339603b2 00:34:42.030 --> 00:34:44.928 to do was to protect their cash. NOTE Confidence: 0.949663558 314e4f42-6d1a-45bf-8b33-81512a383f9d 00:34:44.930 --> 00:34:47.600 And there there was quite NOTE Confidence: 0.949663558 584154d6-e4b1-42a8-91e0-f7849a548dfd 00:34:47.600 --> 00:34:49.736 a big drive towards. NOTE Confidence: 0.949663558 c069cee6-bd68-46b4-85dd-163e9f363fc5 00:34:49.740 --> 00:34:52.120 Pulling back and you know, NOTE Confidence: 0.949663558 61cd4e7c-ec9d-4ef4-946e-17abc250eff1 00:34:52.120 --> 00:34:56.698 being very tight with and and and you NOTE Confidence: 0.949663558 e31f3442-4f7a-48a7-a5a9-7157d80763df 00:34:56.698 --> 00:34:59.930 know sort of closing out on there. NOTE Confidence: 0.949663558 1498acbb-8189-47b1-b72b-1232ca850a8b 00:34:59.930 --> 00:35:02.366 Risk appetite, so reduce risk appetite. NOTE Confidence: 0.949663558 d01fcc5c-da85-49c3-93b8-ae3480f04e52 00:35:02.370 --> 00:35:06.600 Generally across many financial institutions. NOTE Confidence: 0.949663558 aeeebd57-384c-4275-b369-854cc5036f61 00:35:06.600 --> 00:35:10.404 With much greater levels of caution in NOTE Confidence: 0.949663558 0d38c3f8-4a3c-4d05-b100-36de8ce7be72 00:35:10.404 --> 00:35:13.463 terms of being able to do business at the NOTE Confidence: 0.949663558 b21b72c9-f82f-46f6-adb3-bff8af454faa 00:35:13.463 --> 00:35:16.103 normal business and so on and so forth. NOTE Confidence: 0.949663558 67d60a04-a0fd-4eaa-ace0-11ff364ab077 00:35:16.110 --> 00:35:18.070 I think that for the and the NOTE Confidence: 0.949663558 37d6111d-f561-4592-bf49-08dab5701904 00:35:18.070 --> 00:35:20.090 I use the word advisedly. NOTE Confidence: 0.949663558 cfc9651a-1cee-4508-812e-34816cf0f39a 00:35:20.090 --> 00:35:21.805 I'm very careful about, but they shall. NOTE Confidence: 0.949663558 a3934a90-ac0f-4f48-acfa-4f0d2544d06d 00:35:21.810 --> 00:35:24.778 I say the the traditional older banks and NOTE Confidence: 0.949663558 70a3747d-5a64-4527-aeb5-ef5becef8fba 00:35:24.778 --> 00:35:28.110 the the larger institutions as they were, NOTE Confidence: 0.949663558 c95714f2-528b-4874-9f1b-67fba1a5a582 00:35:28.110 --> 00:35:29.763 were more prone. NOTE Confidence: 0.949663558 1e4c7643-b16b-4394-915e-192ed6ff473f 00:35:29.763 --> 00:35:32.518 Slightly true that particular approach. NOTE Confidence: 0.949663558 3d457b24-2763-41d4-a68e-aab9c51fdc78 00:35:32.520 --> 00:35:35.706 I think the Fintechs and the NOTE Confidence: 0.949663558 79c2c41f-6f1b-442f-ab65-c87aea7ce0fc 00:35:35.706 --> 00:35:38.670 startups had not much. NOTE Confidence: 0.949663558 f5079961-8678-4a17-b9f2-b3e2e5097f28 00:35:38.670 --> 00:35:40.775 With a choice because they NOTE Confidence: 0.949663558 e5133fcb-5617-4f47-9e0f-1f8ff619a4b4 00:35:40.775 --> 00:35:42.459 needed to stay alive. NOTE Confidence: 0.949663558 92b37e9f-fb0b-4f28-b8ec-139ee3dfabd5 00:35:42.460 --> 00:35:45.220 Quite a few of them actually did not make it, NOTE Confidence: 0.949663558 43b46e89-e555-44eb-af88-6cec64d3ec4d 00:35:45.220 --> 00:35:47.228 but what happened was NOTE Confidence: 0.949663558 d3968330-b68d-4011-a30f-4aa0bf13f756 00:35:47.228 --> 00:35:49.738 for those who stayed on. NOTE Confidence: 0.949663558 2ac8583c-fb53-4a86-905e-23d3057b81e4 00:35:49.740 --> 00:35:50.690 I think they struggled quite NOTE Confidence: 0.949663558 7b9991a4-e692-45f6-8ef7-02db833b4bfe 00:35:50.690 --> 00:35:51.990 a bit for a few months, NOTE Confidence: 0.949663558 17da5ccf-d690-4caf-a486-3f10c7658ac1 00:35:51.990 --> 00:35:54.153 but they were open minded at with NOTE Confidence: 0.949663558 34be7472-b534-4f5b-a1c9-5a55b026f5d6 00:35:54.153 --> 00:35:55.980 respect to continuing to do business, NOTE Confidence: 0.949663558 a4c2253f-881e-4436-9da5-ce12c7e78cc6 00:35:55.980 --> 00:35:57.996 even though there was quite a sense NOTE Confidence: 0.949663558 a81b4f7d-470d-4f93-a8b5-f26e5ba9a270 00:35:57.996 --> 00:36:00.402 of where is this going to all end. NOTE Confidence: 0.949663558 467348e2-506e-48ad-8f34-e62ab410390a 00:36:00.402 --> 00:36:03.862 I think there were those few, and, uh, NOTE Confidence: 0.949663558 799b5b09-e216-4177-81c4-08efa2e99360 00:36:03.862 --> 00:36:07.452 we were not because we were super about it. NOTE Confidence: 0.949663558 1ecae89d-26ac-4718-a00c-d8e21e3c2f86 00:36:07.452 --> 00:36:10.560 But I think we made a choice and our choice, NOTE Confidence: 0.949663558 2f5af028-01f6-48a3-8361-e3a87240c99b 00:36:10.560 --> 00:36:11.000 I think, NOTE Confidence: 0.949663558 db4325ee-2c38-4636-bc3a-27704bc4f555 00:36:11.000 --> 00:36:13.045 worked for us that we made a choice to NOTE Confidence: 0.949663558 ec0d7aeb-82e4-4002-b51b-1ead541039a4 00:36:13.045 --> 00:36:15.115 be in that middle ground where we said yes, NOTE Confidence: 0.949663558 15b44da3-936b-4c45-bae5-eebf3839a2fd 00:36:15.120 --> 00:36:17.200 we will be cautious and will pay attention NOTE Confidence: 0.949663558 369356ab-1d10-40d7-97a7-a4205155ce57 00:36:17.200 --> 00:36:19.439 to what is happening in the environment. NOTE Confidence: 0.949663558 f3c00ebd-a640-4a4c-a4ed-e29f51d21957 00:36:19.440 --> 00:36:21.145 But there were two things NOTE Confidence: 0.949663558 ede275df-cea5-494b-93d7-2942c0c501a1 00:36:21.145 --> 00:36:22.509 that were driving us. NOTE Confidence: 0.949663558 fc98d1fe-415a-45fb-b5fe-5073c21e4a14 00:36:22.510 --> 00:36:22.753 I, NOTE Confidence: 0.949663558 1087daee-8817-4ce0-95f2-388cd104c48a 00:36:22.753 --> 00:36:23.968 as I had mentioned before, NOTE Confidence: 0.949663558 5b9d9bc0-5bbd-4f63-b8f8-fdf7e62ada93 00:36:23.970 --> 00:36:26.026 our business was at the point of inflection, NOTE Confidence: 0.949663558 6d49334c-07db-4039-a1ab-2a7e769737ab 00:36:26.030 --> 00:36:28.242 where it needed to change and it NOTE Confidence: 0.949663558 6d37e4e5-6e71-4591-9cd6-f57295a8fcee 00:36:28.242 --> 00:36:30.522 needed to transition in terms of the NOTE Confidence: 0.949663558 c95f1688-dc95-4da9-bda6-ccbe1120d1e1 00:36:30.522 --> 00:36:32.187 business model that we're running. NOTE Confidence: 0.949663558 5dd4cc1c-a53b-4e05-b5a0-5864fa70d1ba 00:36:32.190 --> 00:36:35.448 What a better time to do this than when NOTE Confidence: 0.949663558 4c2d0c30-8f30-48b4-b211-66da683d1fc9 00:36:35.450 --> 00:36:37.700 there's a bit of a forced change as well, NOTE Confidence: 0.949663558 fcfdf932-40c2-4b3e-8fef-21c80d59cc2c 00:36:37.700 --> 00:36:40.928 so that also happened the then NOTE Confidence: 0.949663558 aeb0d359-fee4-46b1-addb-531429ab4470 00:36:40.928 --> 00:36:44.000 we also felt and I said, NOTE Confidence: 0.949663558 c4783514-6912-40b5-b20d-3e464fd91d26 00:36:44.000 --> 00:36:45.992 and This is why I make the reference NOTE Confidence: 0.949663558 26bec747-c660-4abb-9935-aaeccfe30127 00:36:45.992 --> 00:36:48.202 to the conversations that during my my NOTE Confidence: 0.949663558 daec7c34-2931-40f3-a9a0-fe2a4485047a 00:36:48.202 --> 00:36:52.608 period at that time that in a crisis. NOTE Confidence: 0.949663558 2e75c27d-5e61-4973-bc10-f7d5fbf89373 00:36:52.610 --> 00:36:55.808 It is you the risk always. NOTE Confidence: 0.949663558 61173e1d-05ea-4acf-b159-7a4239880d60 00:36:55.810 --> 00:36:58.210 It's a difficult times stuff times, NOTE Confidence: 0.949663558 a943f3ea-4588-4aae-b10c-388235b96334 00:36:58.210 --> 00:36:58.571 however. NOTE Confidence: 0.949663558 d32d165b-b88e-42ba-b62b-de3abed8f5dc 00:36:58.571 --> 00:37:01.820 The best thing you can do is to turn NOTE Confidence: 0.949663558 c5b9fe8a-9b01-4bfa-be79-73d570b25e04 00:37:01.901 --> 00:37:04.787 the crisis into a productive period, NOTE Confidence: 0.949663558 d0f3b9f6-6908-4534-9196-4171edc4ef6c 00:37:04.790 --> 00:37:07.155 particularly post the crisis so NOTE Confidence: 0.949663558 65787280-a5ed-4e1e-a0b3-382facbf4492 00:37:07.155 --> 00:37:09.047 that focus helped us. NOTE Confidence: 0.949663558 b8d950d0-ebfa-442e-b4a1-a2d12c66d12d 00:37:09.050 --> 00:37:12.410 I think that the larger proportion NOTE Confidence: 0.949663558 cff848f0-5cc4-4d58-b9ff-ae52f7a2bd3d 00:37:12.410 --> 00:37:14.650 of the financial institutions. NOTE Confidence: 0.949663558 959bbfe3-07bb-47de-ba40-60bab501ef0f 00:37:14.650 --> 00:37:17.352 The closed up a little bit and NOTE Confidence: 0.949663558 42198ed3-d6a7-4bc8-8cd0-5df06b08af0c 00:37:17.352 --> 00:37:20.146 only opened up probably a lot later NOTE Confidence: 0.949663558 d161daea-dceb-4669-8e85-f80fc753dd26 00:37:20.146 --> 00:37:22.600 after the the world the economies NOTE Confidence: 0.949663558 e5d8fda9-de9c-4c70-bab2-f8129b4d3dc4 00:37:22.685 --> 00:37:24.810 started to return to normal. NOTE Confidence: 0.949663558 689b0fd3-a6bf-4adb-b530-b3d4e41ac1a8 00:37:24.810 --> 00:37:27.074 I think we we chose to work through NOTE Confidence: 0.949663558 0028305b-f2ba-4923-bd27-544539379b8e 00:37:27.074 --> 00:37:28.392 it and and some of different NOTE Confidence: 0.949663558 a6ba7176-4e04-4622-a7c8-00514ebe73f5 00:37:28.392 --> 00:37:29.332 text also did the same. NOTE Confidence: 0.876130157272727 723cd55a-35ac-448c-b479-d0bfbe5628f5 00:37:31.600 --> 00:37:32.575 OK, that's interesting. NOTE Confidence: 0.876130157272727 8f3abd24-4070-4de5-ada9-3d884dcf9b8a 00:37:32.575 --> 00:37:35.150 And of course one of the reasons why. NOTE Confidence: 0.876130157272727 6fd726eb-149f-42af-80fb-36a9ef5f4f3b 00:37:35.150 --> 00:37:38.678 Perhaps the traditional providers? NOTE Confidence: 0.876130157272727 4b014329-3a90-441f-bdd6-7898e1d4c052 00:37:38.680 --> 00:37:41.188 They've got a lot invested in NOTE Confidence: 0.876130157272727 c0feaba3-74cb-42cd-a144-8397b6d1f529 00:37:41.188 --> 00:37:42.442 their physical infrastructure NOTE Confidence: 0.876130157272727 e7dbb0ac-8a6c-4012-9376-3520d76fef1c 00:37:42.450 --> 00:37:44.599 in a time of concern about it. NOTE Confidence: 0.876130157272727 0eb0618c-44f3-45a9-be9e-5dbd1d6bcd62 00:37:44.600 --> 00:37:46.700 I can always go and look at my bank branch, NOTE Confidence: 0.876130157272727 ac0aa8dc-a4a5-4c00-bb8d-2dd567c941d8 00:37:46.700 --> 00:37:47.900 and that's where my money is. NOTE Confidence: 0.876130157272727 b97ddc41-f784-4e4f-844d-687a43d8a70e 00:37:47.900 --> 00:37:49.016 Well, no, of course it isn't. NOTE Confidence: 0.876130157272727 988c57fb-ad9e-4736-adca-e3ceb1c6f436 00:37:49.020 --> 00:37:51.750 But when money is just moving NOTE Confidence: 0.876130157272727 18e28446-66ad-4564-a27a-27d6c4158e1a 00:37:51.750 --> 00:37:53.782 around by technology, people go. NOTE Confidence: 0.876130157272727 e188e162-f44c-4ba1-88ff-e8918a6f9023 00:37:53.782 --> 00:37:55.437 Where exactly is my money? NOTE Confidence: 0.876130157272727 24d4235a-fc90-4050-a5dc-51011d689f2b 00:37:55.440 --> 00:37:56.730 Well, it's somewhere in the cloud, NOTE Confidence: 0.876130157272727 efc10e79-69b1-44b6-8b3a-551592c8b24f 00:37:56.730 --> 00:37:59.047 but I want to pick up now NOTE Confidence: 0.876130157272727 6925fb72-0857-4267-8ad8-5c3d11424a9d 00:37:59.047 --> 00:38:01.348 on the point that you made. NOTE Confidence: 0.876130157272727 1a6a972a-717c-4c4f-8de4-5eeb619821f3 00:38:01.350 --> 00:38:03.324 A couple of times in the beginning, NOTE Confidence: 0.876130157272727 c6f37237-39c0-42ae-b3b9-87caede3710c 00:38:03.330 --> 00:38:05.754 just in the last few sentences NOTE Confidence: 0.876130157272727 bed3bfd8-adc9-4984-8ab7-a8260ed40450 00:38:05.754 --> 00:38:08.995 you gave there about the power of NOTE Confidence: 0.876130157272727 9d7df963-e96a-48aa-8dfc-352d83b2d49a 00:38:08.995 --> 00:38:10.746 conversations and picking things up. NOTE Confidence: 0.876130157272727 5bb75940-952e-4995-aecd-89f602fd06d8 00:38:10.746 --> 00:38:12.600 This is not just a conversation NOTE Confidence: 0.876130157272727 5401d1ca-18da-42e9-b3d8-6ba48c7cbcdc 00:38:12.661 --> 00:38:14.149 between Andrew and Steven. NOTE Confidence: 0.876130157272727 f372fd94-0d6d-4f32-8ee7-4ad32dbadbe7 00:38:14.150 --> 00:38:15.746 It's not the Andrew and Steven show. NOTE Confidence: 0.876130157272727 edd7e8d0-5f83-4566-bcaf-a885639ff321 00:38:15.750 --> 00:38:19.917 It's time now for questions in the chat area, NOTE Confidence: 0.876130157272727 9eb12c89-4d66-483b-8a99-06c57f1cb165 00:38:19.920 --> 00:38:21.560 so everybody time to put NOTE Confidence: 0.876130157272727 abe60552-6c69-4871-8fee-3afc76176683 00:38:21.560 --> 00:38:22.872 your questions in chat. NOTE Confidence: 0.876130157272727 6e62c305-7f15-4b3f-a6dd-dfc1ec401489 00:38:22.880 --> 00:38:24.070 I'll go through and pick them out. NOTE Confidence: 0.876130157272727 ad8d19f6-687c-4de9-a0d8-800df697c8f0 00:38:24.070 --> 00:38:25.440 Let me have a look at some of them here. NOTE Confidence: 0.744473078 282b4491-ab53-42fa-bc5d-bb3a876bebf8 00:38:27.830 --> 00:38:31.172 OK Lisa, who is, uh, actually come NOTE Confidence: 0.744473078 200f9fd9-537d-4289-8dcd-91018762130e 00:38:31.172 --> 00:38:34.778 in the management of this program. NOTE Confidence: 0.744473078 537aed25-0b9a-4d1a-9b39-27bf58757423 00:38:34.780 --> 00:38:36.730 She says she remembers you, NOTE Confidence: 0.744473078 ac2ffd80-c41f-4b1e-a37e-f0af85bbf7db 00:38:36.730 --> 00:38:38.025 or well, we won't go into that, NOTE Confidence: 0.744473078 4d8e7553-e2a0-42fd-91f8-b79ed3bf1462 00:38:38.030 --> 00:38:41.500 Andrew, but she also says. NOTE Confidence: 0.744473078 5e435592-2405-481e-8943-04bbb60d4b2a 00:38:41.500 --> 00:38:43.875 Uh, how would you describe NOTE Confidence: 0.744473078 0d33c721-6a4d-4b8a-bd8c-06f84fc6c759 00:38:43.875 --> 00:38:45.300 your leadership style? NOTE Confidence: 0.744473078 7924c531-e4ae-4820-a8b8-7e16bd5ec446 00:38:45.300 --> 00:38:48.747 To what do you think that this style of NOTE Confidence: 0.744473078 01125828-5fb2-4fb7-91a6-4bb263e13874 00:38:48.747 --> 00:38:51.656 leadership has helped excel in your career? NOTE Confidence: 0.744473078 764919cc-89f2-4696-9e37-6aa4c0f7a09a 00:38:51.660 --> 00:38:53.459 Time to blow your own trumpet now, NOTE Confidence: 0.744473078 31e70ef5-41be-4a09-a860-d7494c573148 00:38:53.460 --> 00:38:55.920 Andrew, what about your leadership style? NOTE Confidence: 0.744473078 d5d2ef05-dd04-4d37-bc63-8cfd313bbd62 00:38:55.920 --> 00:38:58.008 How would you summarize it and is easy, NOTE Confidence: 0.744473078 81063031-5e2a-43f1-a36f-62cf794f0a9a 00:38:58.010 --> 00:38:59.810 easy for others to adopt, for example. NOTE Confidence: 0.8146282175 c869732d-8b0c-461b-9e45-bf0d47b9628d 00:39:02.600 --> 00:39:05.715 The quickest and easiest way I tend NOTE Confidence: 0.8146282175 ac8e0a17-57a5-4cc9-9f99-ed9e9ff4e81d 00:39:05.715 --> 00:39:09.480 to describe my leadership style is. NOTE Confidence: 0.8146282175 f8041814-5bc6-405c-8bdf-617585364cff 00:39:09.480 --> 00:39:14.356 Is really to be an inspiration to people so NOTE Confidence: 0.8146282175 886bb4c6-f124-4458-bb41-13defedd2b74 00:39:14.356 --> 00:39:18.220 that they can think about achieving more. NOTE Confidence: 0.8146282175 c5191a90-01d3-455b-921d-2c1c45bb7e53 00:39:18.220 --> 00:39:19.762 Or believe in achieving more than NOTE Confidence: 0.8146282175 ba20b40f-018d-4836-bf70-bbc575c10a68 00:39:19.762 --> 00:39:21.589 what they may have thought before. NOTE Confidence: 0.798123967272727 1b78091f-5421-4ced-9676-4f399156b6d0 00:39:23.940 --> 00:39:27.908 My my interest the the the my favorite NOTE Confidence: 0.798123967272727 d7fafdf4-393c-4554-bd0b-82c8164e41bc 00:39:27.908 --> 00:39:30.934 definition of leadership is that good NOTE Confidence: 0.798123967272727 c851dcf5-2a1f-413e-a76f-d372d1aac537 00:39:30.934 --> 00:39:33.490 leaders take people where they want to go. NOTE Confidence: 0.798123967272727 a4f401b4-60aa-45ab-aa84-c951878f9572 00:39:33.490 --> 00:39:36.770 Great leaders take people where they may not NOTE Confidence: 0.798123967272727 aecc0ddd-46c8-4217-9372-10e249bb11ce 00:39:36.770 --> 00:39:39.918 want to go but ought to go, or ought to be. NOTE Confidence: 0.793240455 ae22ab2c-3c6b-4b5e-9d74-e1f8f22218e0 00:39:41.970 --> 00:39:43.368 Wow, as a result of that, NOTE Confidence: 0.793240455 0d4e61e2-1d33-4e41-ae9d-93a0effdc575 00:39:43.370 --> 00:39:45.158 that's that's the philosophy NOTE Confidence: 0.793240455 f36a4da8-4b3a-41b0-b155-a6fb7aa0cd18 00:39:45.158 --> 00:39:47.393 that drives my leadership style, NOTE Confidence: 0.793240455 5b63aa63-0fb8-48e7-9586-b167bdcb0138 00:39:47.400 --> 00:39:50.102 and we try to really work with NOTE Confidence: 0.793240455 5861e6b9-14cb-4621-992c-9c1def488e9e 00:39:50.102 --> 00:39:52.445 people to to reach goals that NOTE Confidence: 0.793240455 dd96487e-a306-4efd-bb71-85d0ad119433 00:39:52.445 --> 00:39:54.890 may be audacious to begin with, NOTE Confidence: 0.793240455 bac7125e-b8e1-4a45-b6b3-17bc5d6af590 00:39:54.890 --> 00:39:57.418 but quite well achievable. NOTE Confidence: 0.793240455 f99e3457-6d7f-4ed8-9bd3-38dd3adb8197 00:39:57.418 --> 00:40:00.690 And is it easy to copy? NOTE Confidence: 0.793240455 23a8a5c4-99ca-47a4-844c-4f3ad1c8fc6e 00:40:00.690 --> 00:40:05.457 I believe there's an element of a. NOTE Confidence: 0.793240455 e34c2326-e04a-48cf-a696-054c5cfa8b90 00:40:05.460 --> 00:40:07.452 They will be having the willingness NOTE Confidence: 0.793240455 ff6c45e2-cfe3-41bf-a6a3-bbfbb2fd845f 00:40:07.452 --> 00:40:09.480 to make the necessary sacrifices, NOTE Confidence: 0.793240455 6b4bd4b1-0538-408e-983c-20a04d7bdadd 00:40:09.480 --> 00:40:10.281 because if it, NOTE Confidence: 0.793240455 b3c45eca-91b6-4b3f-b1f0-f5734321b638 00:40:10.281 --> 00:40:11.883 it means you are very dependent NOTE Confidence: 0.793240455 c8609d3c-26a7-44bc-a71e-35de206fb8c5 00:40:11.883 --> 00:40:13.707 on people and their ability to NOTE Confidence: 0.793240455 48971c39-bbc9-4422-af79-8c8086e8a2cb 00:40:13.707 --> 00:40:15.480 come along the journey with you. NOTE Confidence: 0.793240455 b811e046-fde3-4035-bbf3-160be232d5f5 00:40:15.480 --> 00:40:17.464 And that means that you need to find NOTE Confidence: 0.793240455 e69bb4e3-9abf-4f50-86f9-9215544357ad 00:40:17.464 --> 00:40:19.521 a time to connect with people and NOTE Confidence: 0.793240455 964d0782-6c5f-4dbd-b972-9191bb317b43 00:40:19.521 --> 00:40:21.660 be present and that makes it bigger. NOTE Confidence: 0.793240455 da41ee5d-c270-4bcd-91af-7be203b47e82 00:40:21.660 --> 00:40:22.392 A big difference. NOTE Confidence: 0.793240455 5c8f4559-58fa-4be3-8c35-6b94dbd21a5a 00:40:22.392 --> 00:40:25.100 So I think it's called this, is it? NOTE Confidence: 0.793240455 57772c9a-b4d8-4888-a07e-6e0ceb50fe7f 00:40:25.100 --> 00:40:27.820 It's. It's easy, it can be copied. NOTE Confidence: 0.793240455 9e672f98-10d3-48a5-90cc-0b27f5edaed2 00:40:27.820 --> 00:40:29.811 You just have to be prepared to do NOTE Confidence: 0.793240455 a8011406-4ec9-4124-8859-d49b757610a0 00:40:29.811 --> 00:40:31.648 what it takes to to match it up, yeah. NOTE Confidence: 0.793240455 d5241257-6656-4c70-85a0-0a20a3139648 00:40:31.648 --> 00:40:34.112 Yeah, and many of us would say Andrew, NOTE Confidence: 0.793240455 3e52eb52-5c49-425b-b376-69dab35a313a 00:40:34.120 --> 00:40:35.944 that's easy for you to say NOTE Confidence: 0.793240455 267f048f-73f7-4f1a-96fb-80343a5f42e2 00:40:35.944 --> 00:40:37.160 as a successful leader, NOTE Confidence: 0.793240455 ff8495d9-91e9-4f6d-919a-5a1bc919106e 00:40:37.160 --> 00:40:38.637 but of course it is about inspiration. NOTE Confidence: 0.793240455 f52f31f6-2dab-46a6-b574-6a2a0f6068da 00:40:38.640 --> 00:40:42.040 And that's why I'm hoping that some NOTE Confidence: 0.793240455 706106be-eb51-40da-80ce-849645311021 00:40:42.040 --> 00:40:43.990 people who are listening in today NOTE Confidence: 0.793240455 9af8f69f-b9b3-4d7b-a8af-4d9e00a1ef9a 00:40:44.053 --> 00:40:45.919 will have picked up your story. NOTE Confidence: 0.793240455 9af2ccfd-db03-4d5a-9abe-d4fd07453045 00:40:45.920 --> 00:40:49.076 The idea is to inspire people. NOTE Confidence: 0.793240455 bf243beb-8088-479f-a6c4-37af532092ef 00:40:49.080 --> 00:40:50.204 Now come on people. NOTE Confidence: 0.793240455 42e144c9-a993-4801-9e5d-0e16fdf23d58 00:40:50.204 --> 00:40:52.489 Let's have some questions in the chat area, NOTE Confidence: 0.793240455 0ea4ec60-a06f-442f-a6d2-88333e3eaa9f 00:40:52.490 --> 00:40:55.200 leadership style. NOTE Confidence: 0.793240455 0ad4e62b-e84a-4b19-9da9-a122ae219cfa 00:40:55.200 --> 00:40:56.448 When you're a great leader, it. NOTE Confidence: 0.793240455 ab7a304f-5cca-4dc6-9a21-95fb4b035b60 00:40:56.448 --> 00:40:57.816 Yeah, it's it's easy to say. NOTE Confidence: 0.793240455 0419e08e-b863-43b5-a22f-6f0430f95f70 00:40:57.820 --> 00:40:59.942 Other people can pick it up, but it's not. NOTE Confidence: 0.793240455 204d05dd-439b-4ceb-9116-ed6c356e5de0 00:40:59.942 --> 00:41:01.812 Andrew used the phrase earlier NOTE Confidence: 0.793240455 226bfb4e-4960-429c-93ee-98b5e8fc68b7 00:41:01.812 --> 00:41:03.200 on about mindset. NOTE Confidence: 0.793240455 453c23c5-6fd9-486e-8d53-f0485fe12cd7 00:41:03.200 --> 00:41:05.048 It's not just the mindset of the NOTE Confidence: 0.793240455 3589cce8-ac28-4402-bc1e-6032fe9a30c7 00:41:05.048 --> 00:41:06.640 customers willing to use technology. NOTE Confidence: 0.793240455 726a7f03-6b56-4a4f-bb76-8ccd5d5cac9b 00:41:06.640 --> 00:41:09.090 It's not just the mindset of the NOTE Confidence: 0.793240455 1a31d880-7fa4-434d-b272-0351dd21a361 00:41:09.090 --> 00:41:11.360 staff willing to go on a journey, NOTE Confidence: 0.793240455 849eab9d-17ec-4dbb-8078-1fe90c05e665 00:41:11.360 --> 00:41:13.446 it's the mindset and the willingness of NOTE Confidence: 0.793240455 3fef28c2-93bb-4951-873a-d0e54279df5b 00:41:13.446 --> 00:41:15.779 the leaders to put themselves out there. NOTE Confidence: 0.793240455 f190cc1c-030c-4713-bd92-bbfd73937a38 00:41:15.780 --> 00:41:16.926 Because yeah, potentially, NOTE Confidence: 0.793240455 a2f20ea3-6b52-4634-ba4e-fcad8060ae2d 00:41:16.926 --> 00:41:19.600 if you can't carry people with you, NOTE Confidence: 0.793240455 4b85610e-857b-4b74-95b2-a9f483f34027 00:41:19.600 --> 00:41:22.184 it's lonely and and may have a serious NOTE Confidence: 0.793240455 b4f91dec-1497-4b9d-9192-8b841853be00 00:41:22.184 --> 00:41:25.186 impact on your career hasn't had for Andrew. NOTE Confidence: 0.793240455 19080866-8c0e-483d-9494-bc2b2a7e70ad 00:41:25.190 --> 00:41:26.730 Of course he's gone higher and higher. NOTE Confidence: 0.793240455 414681a3-cb78-44e4-9965-974c6c7465d5 00:41:26.730 --> 00:41:27.570 Let's have a look here. NOTE Confidence: 0.793240455 dc6cd444-ab85-4d89-8e08-f4141be8eab9 00:41:27.570 --> 00:41:29.970 What else is there? NOTE Confidence: 0.793240455 d80b1396-1a08-4679-bcad-2168bcc5a0f7 00:41:29.970 --> 00:41:32.166 Oh yeah, some of these asking, UM. NOTE Confidence: 0.793240455 5355c4d0-d6fa-4e0e-890f-5141c84e17a6 00:41:32.166 --> 00:41:33.474 First of all, NOTE Confidence: 0.793240455 96492d09-1d7d-42b9-91e0-efc73bf2993c 00:41:33.474 --> 00:41:35.218 commenting from marketing and NOTE Confidence: 0.793240455 dcc3dd7e-2ad6-4d63-af26-684383272004 00:41:35.218 --> 00:41:36.710 manufacturing to banking. NOTE Confidence: 0.793240455 4dcb1b90-6af0-4090-bb71-4d2e9f1f3f27 00:41:36.710 --> 00:41:38.402 Very impressive indeed. NOTE Confidence: 0.793240455 27407307-6961-44d3-94a0-6138a4811034 00:41:38.402 --> 00:41:39.530 Says tunnel. NOTE Confidence: 0.793240455 ceae7743-7b5d-43d6-95ae-f21901d92e98 00:41:39.530 --> 00:41:43.328 And now that you don't have to read Andrew, NOTE Confidence: 0.793240455 66bfc9df-fe3c-4e4e-942f-0fb46b834a41 00:41:43.330 --> 00:41:44.860 'cause you've got all this spare NOTE Confidence: 0.793240455 ce4fc36d-3fa4-4a77-9629-e9078cbe6d55 00:41:44.860 --> 00:41:46.470 time since you completed the program, NOTE Confidence: 0.793240455 41b9f879-d99f-46e3-a361-52b2cceb1bc8 00:41:46.470 --> 00:41:48.462 I often ask people who say who's been NOTE Confidence: 0.793240455 9046abab-f6fe-46ce-ad38-e17c1732fc7f 00:41:48.462 --> 00:41:50.181 hard work on the program and what NOTE Confidence: 0.793240455 d3e5aa52-d605-4f5c-9578-485426b9ee67 00:41:50.181 --> 00:41:52.568 will you do with all that time and they go. NOTE Confidence: 0.793240455 979c01e4-924b-420a-9315-3d23418f2a34 00:41:52.570 --> 00:41:53.950 I'm not sure what I'll do, NOTE Confidence: 0.793240455 1785a3a3-1c97-41b5-9034-04ee2613dbcc 00:41:53.950 --> 00:41:55.665 so perhaps you have time for reading. NOTE Confidence: 0.793240455 ea5d3141-b8da-48ba-b2e2-b879de0893ea 00:41:55.670 --> 00:41:57.390 Well, what kind of things do you read? NOTE Confidence: 0.793240455 302a41b9-9b44-450f-a9c7-ca3feff8d6c4 00:41:57.390 --> 00:42:00.106 Are you still reading ideas and concepts? NOTE Confidence: 0.793240455 42558381-f858-43db-9f83-89d5a79b1aea 00:42:00.110 --> 00:42:00.942 Or if you said? NOTE Confidence: 0.793240455 76148c42-302d-490c-a75f-0a08ca98a5b8 00:42:00.942 --> 00:42:02.819 Enough of that I'm going to read novels, NOTE Confidence: 0.793240455 15411a0b-6521-4bfb-a2be-cb6356e55866 00:42:02.820 --> 00:42:03.334 what, what? NOTE Confidence: 0.793240455 25b99e88-f40c-4fc8-92d8-4c66dc0a6c89 00:42:03.334 --> 00:42:05.133 What were you reading at the moment? NOTE Confidence: 0.793240455 b91761c6-136d-4bf4-9236-185e27de48e9 00:42:05.140 --> 00:42:08.980 OK, so I think that's a very NOTE Confidence: 0.793240455 06852095-bcb5-4632-8008-4081fd2f70d7 00:42:08.980 --> 00:42:10.820 interesting the the the idea. NOTE Confidence: 0.793240455 e49f9d28-7153-4eca-b737-f19bf36abf60 00:42:10.820 --> 00:42:12.098 Do we ever have enough time? NOTE Confidence: 0.793240455 d160d85e-1765-48da-82d0-744ae8f18436 00:42:12.100 --> 00:42:13.420 Steve and I I don't know. NOTE Confidence: 0.793240455 0a628030-1a93-4edd-8a7c-8224cd287b80 00:42:13.420 --> 00:42:17.950 I mean you doing the program, NOTE Confidence: 0.793240455 e0f33bb4-8db4-4bed-bfb9-c2698228b961 00:42:17.950 --> 00:42:19.978 you you, you build yourself up, NOTE Confidence: 0.793240455 8f746875-2448-451e-97bb-291e5eeca3c8 00:42:19.980 --> 00:42:20.259 you, NOTE Confidence: 0.793240455 43112447-f8cd-4199-95a6-02e152fce048 00:42:20.259 --> 00:42:20.538 you, NOTE Confidence: 0.793240455 8a2ef0a3-4efb-4550-8e01-4d4b909aa047 00:42:20.538 --> 00:42:20.817 you, NOTE Confidence: 0.793240455 c20ffbfe-7429-40ee-8eb9-8e15785543e1 00:42:20.817 --> 00:42:22.491 you sort of exercise your muscles NOTE Confidence: 0.793240455 74ac90f3-f9c2-40ef-a12c-ec810dcd93f0 00:42:22.491 --> 00:42:24.708 and learning the knowledge that you NOTE Confidence: 0.793240455 9dd3b4db-fb9b-4fc5-85ea-8ff3707d6d51 00:42:24.708 --> 00:42:26.880 carry away makes a huge difference. NOTE Confidence: 0.793240455 c2f2def3-b8bd-422c-a6d0-3cec595ce249 00:42:26.880 --> 00:42:27.669 And it it, NOTE Confidence: 0.793240455 2e77aa52-5522-4501-9921-2d341ba43b5f 00:42:27.669 --> 00:42:29.510 I think it spares you on into NOTE Confidence: 0.793240455 5ee12f7d-07d9-4c5a-b720-590277851af7 00:42:29.582 --> 00:42:30.899 a lifelong learning, NOTE Confidence: 0.747036061666667 46d73d60-d76f-4959-a257-30ef80d67d04 00:42:30.900 --> 00:42:33.532 sort of. A journey, NOTE Confidence: 0.747036061666667 140bd112-37dc-4df0-a6cc-797561f5a2c6 00:42:33.532 --> 00:42:36.298 but yeah, what do I read? NOTE Confidence: 0.747036061666667 d814250a-55e1-4ada-8375-e2d501c46e1f 00:42:36.298 --> 00:42:39.520 I think I'm spending a lot of time NOTE Confidence: 0.747036061666667 6b888a2e-0a12-4d90-a91e-52404d605ba1 00:42:39.520 --> 00:42:41.930 these days reading about trends NOTE Confidence: 0.747036061666667 515d432d-f56a-4d36-9a48-7523d715c9d9 00:42:41.930 --> 00:42:44.625 in the financial services and NOTE Confidence: 0.747036061666667 4b8d76b6-cf30-4cac-931b-125f395b7411 00:42:44.625 --> 00:42:47.515 particularly in the digital world. NOTE Confidence: 0.747036061666667 f4f8dc1b-14f9-40cd-878c-3988e3bc80ba 00:42:47.520 --> 00:42:51.356 Understanding what is new and being very NOTE Confidence: 0.747036061666667 25540a4d-549d-4742-a451-752f57a1042d 00:42:51.356 --> 00:42:55.680 open to ideas from anywhere in the world. NOTE Confidence: 0.747036061666667 7719d059-6518-4b47-9474-4124062631b2 00:42:55.680 --> 00:42:57.720 In fact, we do work with NOTE Confidence: 0.747036061666667 9d71c050-5ce3-4440-bf70-47d8f512e12b 00:42:57.720 --> 00:42:59.094 some of our partners, NOTE Confidence: 0.747036061666667 ede92b8f-3ec3-40ee-805e-57dda2a91423 00:42:59.094 --> 00:43:01.572 and one of the things that we've NOTE Confidence: 0.747036061666667 b74beab9-bbe7-463a-9c6f-b6caaeca5211 00:43:01.572 --> 00:43:03.679 established as a team when we deal NOTE Confidence: 0.747036061666667 67dfaa4a-553a-4971-8400-2ab9db8a1ddb 00:43:03.679 --> 00:43:05.699 with our partners is we tell them. NOTE Confidence: 0.747036061666667 fdf09ad0-9e49-4107-9f25-b4c0889f6d06 00:43:05.700 --> 00:43:07.398 When we want to launch anything NOTE Confidence: 0.747036061666667 d2c10e7b-fe7e-4634-b6ff-907607d8c622 00:43:07.398 --> 00:43:09.540 or we want to build anything, NOTE Confidence: 0.747036061666667 0b4a48a4-0ca4-4d67-9085-d2bcf231fff2 00:43:09.540 --> 00:43:11.668 what we want to understand is what NOTE Confidence: 0.747036061666667 44675df3-6f99-4504-ad5d-14e2ba22ca4c 00:43:11.668 --> 00:43:14.416 is the gold standard for that NOTE Confidence: 0.747036061666667 965dd73b-261f-4e3d-b770-272d93b359b8 00:43:14.416 --> 00:43:17.506 particular capability across the world. NOTE Confidence: 0.747036061666667 30438c20-3231-47f5-9a5b-e7963813b2c3 00:43:17.510 --> 00:43:18.889 We may be able to afford it, NOTE Confidence: 0.747036061666667 aa1235dc-97fe-436d-b6d3-51dcdfd3c3db 00:43:18.890 --> 00:43:20.012 not afford it. NOTE Confidence: 0.747036061666667 73c67cd4-6724-49c5-9b84-571630ef03b8 00:43:20.012 --> 00:43:20.386 However, NOTE Confidence: 0.747036061666667 cf9c9400-b79a-467a-94f6-1a14896b69e7 00:43:20.386 --> 00:43:24.268 we want to be able to know so that NOTE Confidence: 0.747036061666667 b7999be5-05bb-47a2-a980-be3a0b3e1fd5 00:43:24.268 --> 00:43:27.364 we can benchmark ourselves and build NOTE Confidence: 0.747036061666667 534bcbe2-a733-47e5-bfec-deccd5de8ed5 00:43:27.364 --> 00:43:30.130 capabilities that lead us to sometimes, NOTE Confidence: 0.747036061666667 16729926-ad58-4f7b-8b40-253bb23a1243 00:43:30.130 --> 00:43:32.846 because what one of the biggest challenges NOTE Confidence: 0.747036061666667 4e844ee7-f732-47b5-8d7b-c02b0a9e0424 00:43:32.846 --> 00:43:35.351 you find as you make transitions NOTE Confidence: 0.747036061666667 0d82ad53-5bb6-4120-a037-af0b49459f03 00:43:35.351 --> 00:43:37.889 from legacy systems into new is. NOTE Confidence: 0.747036061666667 5ee2eff4-0d81-45b9-b660-3b174c85f05e 00:43:37.890 --> 00:43:38.764 Legacy systems, NOTE Confidence: 0.747036061666667 9983b4d0-2a3c-4115-86a0-6fad45263870 00:43:38.764 --> 00:43:40.949 most of them were built. NOTE Confidence: 0.747036061666667 0c2492f1-2918-4199-87c0-abd453c498b3 00:43:40.950 --> 00:43:43.278 Sort of to last. NOTE Confidence: 0.747036061666667 7944f857-adc5-41de-bb4f-b4e925bae509 00:43:43.280 --> 00:43:45.520 And then suddenly you find that the world NOTE Confidence: 0.747036061666667 39c1d525-61ba-427c-a028-0c05f622ae27 00:43:45.520 --> 00:43:47.838 has moved on and you have to change then. NOTE Confidence: 0.747036061666667 e46f3345-ab2e-48b3-9372-0ce36be4084c 00:43:47.840 --> 00:43:48.956 Most of the time you're thinking, NOTE Confidence: 0.747036061666667 5b5da4ac-e881-4c09-b7a3-76b4757914f0 00:43:48.960 --> 00:43:51.030 how do I check it away or it costs a NOTE Confidence: 0.747036061666667 1c574e1d-cec6-4c3e-a642-4ad93e40a9f1 00:43:51.091 --> 00:43:52.928 fortune to be able to recast them. NOTE Confidence: 0.747036061666667 ceadf4c2-7b41-4833-b183-f9d7228c3e95 00:43:52.928 --> 00:43:55.913 So we we try to build with an eye NOTE Confidence: 0.747036061666667 d365fe7b-a088-4933-94a2-b7201d413084 00:43:55.913 --> 00:43:57.893 on the future and understanding NOTE Confidence: 0.747036061666667 0bd61200-db31-4a0a-8b33-71f73701d7c4 00:43:57.893 --> 00:44:00.680 the trends make a big difference. NOTE Confidence: 0.747036061666667 d5902f0d-d7cb-4b38-844c-94b16c48f802 00:44:00.680 --> 00:44:02.850 The other thing that I like to NOTE Confidence: 0.747036061666667 3cb93082-534f-4a76-84e8-be9e278ecb44 00:44:02.850 --> 00:44:05.169 read is always read on leadership. NOTE Confidence: 0.747036061666667 f4bf2cfa-a715-4196-b414-7fd89006d107 00:44:05.170 --> 00:44:07.322 One of our team members talked to me NOTE Confidence: 0.747036061666667 22ec0c1f-9bf9-4968-a12e-65d63eff3fd0 00:44:07.322 --> 00:44:09.268 about the is it the Purple Horse? NOTE Confidence: 0.747036061666667 22174935-f3b9-4f65-9f0b-a20ab3092212 00:44:09.270 --> 00:44:12.938 I haven't seen the the book yet. NOTE Confidence: 0.747036061666667 fed02191-ccfb-4830-af23-afcf0543d431 00:44:12.940 --> 00:44:14.425 I think, yeah, I think that's what he calls. NOTE Confidence: 0.747036061666667 97ad84be-1f44-447a-b5a7-d84153e694d4 00:44:14.430 --> 00:44:15.725 They said the title is I'm going NOTE Confidence: 0.747036061666667 70c91a68-396e-4b2e-94cb-17d6612367fc 00:44:15.725 --> 00:44:16.700 to look out for that. NOTE Confidence: 0.747036061666667 d2e643bb-7b80-4aec-92d2-7c6098cf84e3 00:44:16.700 --> 00:44:19.256 That would be my next one. NOTE Confidence: 0.747036061666667 64307917-218a-4833-85ca-5cca8ab5f85a 00:44:19.260 --> 00:44:21.220 Great and there are some more questions NOTE Confidence: 0.747036061666667 5f54a6a7-d34b-4ce5-b346-2e6b7fead4ec 00:44:21.220 --> 00:44:22.997 that coming in so they can fast. NOTE Confidence: 0.747036061666667 13059499-5e7e-4964-9185-25dd4e6dd9e5 00:44:23.000 --> 00:44:24.600 I'll pick those in in just a moment, NOTE Confidence: 0.747036061666667 0d918bed-4b41-4a8b-966b-856bc2f64da9 00:44:24.600 --> 00:44:26.916 but let me ask you dumb. NOTE Confidence: 0.747036061666667 e5fb7cbe-cc48-4463-b4ed-d25764798322 00:44:26.920 --> 00:44:28.570 As I mentioned at the outset, NOTE Confidence: 0.747036061666667 59b1e95a-226c-4709-b425-0505fbd08eee 00:44:28.570 --> 00:44:31.058 our professional institution partner, NOTE Confidence: 0.747036061666667 b0b2e677-78fe-4911-a1db-2b83af1f92f4 00:44:31.058 --> 00:44:33.546 the Chartered Banker Institute NOTE Confidence: 0.747036061666667 77dbc756-fda5-4914-bc4d-f2da165b3113 00:44:33.546 --> 00:44:35.815 awards chartered banker status NOTE Confidence: 0.747036061666667 03d94e61-481f-433d-90f8-c851aaa2dea2 00:44:35.815 --> 00:44:37.715 as the university awards, NOTE Confidence: 0.747036061666667 0a30be56-1eda-4b35-b9db-496272af355e 00:44:37.720 --> 00:44:41.748 the MBA has this concept of NOTE Confidence: 0.747036061666667 b2c89a09-fb20-430c-848c-69da817f00b6 00:44:41.748 --> 00:44:43.014 a responsible banker. NOTE Confidence: 0.747036061666667 c49efb38-fca8-47f9-a503-42ac571d2ce3 00:44:43.020 --> 00:44:45.990 Over responsible banker, NOTE Confidence: 0.747036061666667 8fc31ade-ed4b-4db3-8874-2a0b87ee0be1 00:44:45.990 --> 00:44:48.574 whether or not you've studied a an MBA, NOTE Confidence: 0.747036061666667 1d2aaf53-255d-4684-9d03-887fb0703f9e 00:44:48.580 --> 00:44:51.135 whether or not you've you remember of NOTE Confidence: 0.747036061666667 a9fdc62d-9a54-4c8c-baef-ebf827a7d1ca 00:44:51.135 --> 00:44:53.910 the of the Chartered Banking Institute, NOTE Confidence: 0.747036061666667 044b0de9-dd79-4cee-81b4-41b51c1c5307 00:44:53.910 --> 00:44:55.910 they talk about a responsible NOTE Confidence: 0.747036061666667 aa9a6248-5413-4da6-9bc3-e514a15964b1 00:44:55.910 --> 00:44:57.910 banker who's confident and familiar NOTE Confidence: 0.747036061666667 d117b756-956b-4a18-bdbb-033b34f51a85 00:44:57.976 --> 00:44:59.564 with technology that's clearly NOTE Confidence: 0.747036061666667 85a22ea2-2c95-4684-a20f-c410ae61fbe2 00:44:59.564 --> 00:45:02.132 been very important for you and NOTE Confidence: 0.747036061666667 efd0f788-1870-46d5-94f4-e5cdf4ec1af9 00:45:02.132 --> 00:45:04.460 that talks about sustainability. NOTE Confidence: 0.747036061666667 770716a7-5dfa-4cf0-8610-0fdf837c6770 00:45:04.460 --> 00:45:06.910 The sustainability of not just NOTE Confidence: 0.747036061666667 e4fe7a4e-9ed6-4bf1-ac4b-6578dff5db9d 00:45:06.910 --> 00:45:09.360 what the bank itself does, NOTE Confidence: 0.747036061666667 924fc0c0-5205-425d-8ecf-29c7e0f9976b 00:45:09.360 --> 00:45:12.041 but of what it does with its NOTE Confidence: 0.747036061666667 835a4c32-fa4f-45e8-b2e5-53c16b3e3782 00:45:12.041 --> 00:45:13.530 clients and what it. NOTE Confidence: 0.747036061666667 e4cf3c08-f998-467c-8d76-0e28d9171f31 00:45:13.530 --> 00:45:16.080 Supports its clients to do. NOTE Confidence: 0.747036061666667 8b50dc71-1c42-49a1-a0ea-a0424a7e903b 00:45:16.080 --> 00:45:17.921 How useful do you think that there NOTE Confidence: 0.747036061666667 b341fd9e-3068-4f01-867c-e1ae67c19117 00:45:17.921 --> 00:45:19.889 are a couple of questions in the? NOTE Confidence: 0.747036061666667 01b7604c-350d-4d19-bae7-3482042332bc 00:45:19.890 --> 00:45:21.054 In the chat area, NOTE Confidence: 0.747036061666667 4e00abb3-34d3-472f-9f45-f88df7458d8f 00:45:21.054 --> 00:45:23.450 they say as a young and upcoming NOTE Confidence: 0.747036061666667 434ff2ad-275f-45aa-acd5-607101fb8132 00:45:23.450 --> 00:45:24.646 talent and leader one. NOTE Confidence: 0.747036061666667 203dbea6-f12e-4f80-8092-bab50ada8fc2 00:45:24.646 --> 00:45:27.198 How do I make sure I don't become NOTE Confidence: 0.747036061666667 8a4c77b2-ff60-4d49-8fb8-69dd0c66926e 00:45:27.198 --> 00:45:29.585 a threat to my line manager who NOTE Confidence: 0.747036061666667 5f3cfb0d-6bab-42f6-97aa-ffaa258357f0 00:45:29.585 --> 00:45:31.949 then squeezes me out feeling that NOTE Confidence: 0.747036061666667 af117145-16f5-4fd2-bd9b-339824d2d2a2 00:45:31.950 --> 00:45:35.976 wow there goes my job but also this NOTE Confidence: 0.747036061666667 66b4ed37-830c-4b61-bc1a-aa969c2484f6 00:45:35.976 --> 00:45:38.928 idea of a responsible bank app. NOTE Confidence: 0.747036061666667 3e8831b2-8faf-4769-b9cf-d7f0ae9f5828 00:45:38.930 --> 00:45:40.640 How do you create that ethos NOTE Confidence: 0.747036061666667 aabf0dfa-9ff4-4a4a-87be-e7df6a9a3132 00:45:40.640 --> 00:45:41.780 in the mind of NOTE Confidence: 0.8523259925 cd5861a4-c0ec-4d5f-8702-2884c1741b56 00:45:41.852 --> 00:45:43.944 a banker? Is it something NOTE Confidence: 0.8523259925 fbcda56b-2a6f-4540-8975-0ed82971559d 00:45:43.944 --> 00:45:46.434 that can be taught solely? NOTE Confidence: 0.8523259925 b803af26-4f07-4bb8-9375-de46ecb998c9 00:45:46.440 --> 00:45:49.492 I think the the my first point NOTE Confidence: 0.8523259925 c7b29e3c-53a0-4662-8bae-2e38d533619d 00:45:49.492 --> 00:45:53.015 on that one is the organization's NOTE Confidence: 0.8523259925 60c812b6-b5f9-45b5-ba8e-e9a92d2bc72f 00:45:53.015 --> 00:45:55.990 purpose is the starting point. NOTE Confidence: 0.8523259925 ea5df91d-97a7-4ffb-a87f-1fd8d5f7e83b 00:45:55.990 --> 00:45:58.086 And then you would see a number of NOTE Confidence: 0.8523259925 457ada33-9140-41eb-afaf-e2704e589e58 00:45:58.086 --> 00:45:59.708 organizations that have made that shift. NOTE Confidence: 0.8523259925 8fecc343-5875-4d93-a842-16db600be860 00:45:59.710 --> 00:46:00.886 Uh, I think in the past NOTE Confidence: 0.8523259925 4da395da-3c3d-4c2d-bc79-6210f9f3abb0 00:46:00.886 --> 00:46:02.070 it was very much around. NOTE Confidence: 0.8523259925 5586a40d-a1b0-4fa7-bc36-632db3b5a7e7 00:46:02.070 --> 00:46:03.942 OK, yes, a vision for the NOTE Confidence: 0.8523259925 a488dcd1-d722-4234-97eb-0810d5d542a0 00:46:03.942 --> 00:46:05.190 organization and the mission. NOTE Confidence: 0.8523259925 7266cd33-b6fb-4e74-949e-c05cec7fe1ca 00:46:05.190 --> 00:46:06.528 And so on and so forth. NOTE Confidence: 0.8523259925 80e98f75-c66b-47d0-ab9c-9bfa25fdc196 00:46:06.530 --> 00:46:09.314 I think now I would say having a NOTE Confidence: 0.8523259925 9a44134b-83fb-45f3-acee-7400e964ffbe 00:46:09.314 --> 00:46:11.724 clear purpose and A and a purpose NOTE Confidence: 0.8523259925 54911c31-86f0-4e61-891a-3e5e0197911b 00:46:11.724 --> 00:46:14.516 that speaks to what you do on the NOTE Confidence: 0.8523259925 4f4a6542-38a8-4e55-8ab9-35ef9fd5d783 00:46:14.516 --> 00:46:16.688 different aspects of what you do. NOTE Confidence: 0.8523259925 8214fe2a-0c8c-4c3e-a169-aecafe89b7ae 00:46:16.690 --> 00:46:17.818 It's very important. NOTE Confidence: 0.8523259925 572b0feb-2914-4c13-bace-89879d19008e 00:46:17.818 --> 00:46:19.494 I mean, I, I'm I'm. NOTE Confidence: 0.8523259925 d8b6fdc8-fbdd-42bb-a9b1-450845ddc70e 00:46:19.494 --> 00:46:21.034 I'm particularly proud of the NOTE Confidence: 0.8523259925 82759709-adda-44c7-988e-bb3268861b81 00:46:21.034 --> 00:46:22.630 purpose that we've said that. NOTE Confidence: 0.8523259925 dedbe773-c890-4363-949a-df3767135c18 00:46:22.630 --> 00:46:24.530 Let's hope for our business. NOTE Confidence: 0.8523259925 7eac7e6c-d20b-4d92-996c-6543d1617650 00:46:24.530 --> 00:46:25.834 We are very much. NOTE Confidence: 0.8523259925 1590832d-648c-491c-b77e-6907c3a43b48 00:46:25.834 --> 00:46:27.790 In the microphone in space we NOTE Confidence: 0.8523259925 13b08c6b-35cd-4bcb-8ef2-f241bcc359ce 00:46:27.865 --> 00:46:29.877 are into financial inclusion. NOTE Confidence: 0.8523259925 24c92a9d-3457-4ee0-aa3b-d205c598edef 00:46:29.880 --> 00:46:32.169 We're doing a lot of work with, NOTE Confidence: 0.8523259925 0717f303-8a11-412e-9038-a84ba50559ef 00:46:32.170 --> 00:46:33.214 shall I say, NOTE Confidence: 0.8523259925 4b511d71-1f1f-4575-8c8d-c67dd11ba33a 00:46:33.214 --> 00:46:34.258 the mass market, NOTE Confidence: 0.8523259925 119ede68-f549-475f-be55-e12add10da3e 00:46:34.260 --> 00:46:38.462 the lower end of the spectrum in that sense. NOTE Confidence: 0.8523259925 a99eefe9-f423-49c2-93c8-ab534f42345b 00:46:38.462 --> 00:46:42.058 But what I think drives us and drives NOTE Confidence: 0.8523259925 6b511fd5-3c37-416c-b995-644021ed6647 00:46:42.058 --> 00:46:44.900 us as an organization is our purpose, NOTE Confidence: 0.8523259925 2881691c-9cd2-468d-ba53-c3666ea9619f 00:46:44.900 --> 00:46:47.680 which is to improve lives. NOTE Confidence: 0.8523259925 87b7552e-6c64-4c51-820c-2fb81447a40b 00:46:47.680 --> 00:46:49.756 We've said that as an agenda. NOTE Confidence: 0.8523259925 89af1c7c-c55a-400f-9f4e-6908827794c4 00:46:49.760 --> 00:46:51.944 It fits in all the areas and NOTE Confidence: 0.8523259925 c07e4b35-fd15-49e4-b296-e829ea219e5d 00:46:51.944 --> 00:46:53.600 the things that we build, NOTE Confidence: 0.8523259925 c2f7b5a0-e178-4d4f-8756-f7c128461dc2 00:46:53.600 --> 00:46:55.518 the capabilities that we bring to them, NOTE Confidence: 0.8523259925 9bbf7043-251b-4bbb-9a8d-993241d88e14 00:46:55.520 --> 00:46:56.692 to to, to bear. NOTE Confidence: 0.8523259925 360ef267-6b44-46ca-aef0-5e6a139a0c6a 00:46:56.692 --> 00:46:59.680 And what we we do so purpose for me NOTE Confidence: 0.8523259925 6ea51b7c-c692-4734-995e-c2f1642613c9 00:46:59.680 --> 00:47:02.831 is really where it sits in terms of NOTE Confidence: 0.8523259925 102abc20-65d0-41d4-93ba-487cf9c654f0 00:47:02.831 --> 00:47:05.540 how do you get that message across? NOTE Confidence: 0.8523259925 2f14d610-fa5c-4951-a7d1-cb3c2295924d 00:47:05.540 --> 00:47:07.305 Because that's when when you NOTE Confidence: 0.8523259925 5435266b-d65b-4d81-80be-b2c7ce709dcc 00:47:07.305 --> 00:47:08.717 have the right purpose, NOTE Confidence: 0.8523259925 605c4df3-556c-42ce-b7ff-8d61b00ea607 00:47:08.720 --> 00:47:11.394 people start to think and do things NOTE Confidence: 0.8523259925 92936578-3040-48d4-92ad-91fe9ad221df 00:47:11.394 --> 00:47:13.798 that are aligned to that purpose, NOTE Confidence: 0.8523259925 0e1d0cc6-38b6-4954-8f14-ab3e4c5f6b74 00:47:13.800 --> 00:47:16.110 and often it leads you to that NOTE Confidence: 0.8523259925 c93f4c2e-62d5-4a3d-b5c0-b615e0b3523f 00:47:16.110 --> 00:47:17.630 kind of responsible banker. NOTE Confidence: 0.8523259925 858f6a1a-e694-4862-b633-8141ea43ea28 00:47:17.630 --> 00:47:21.608 That conversation that you're talking about. NOTE Confidence: 0.8523259925 c21808e9-ce5b-4d45-83ce-fcc40e5f8e89 00:47:21.610 --> 00:47:23.318 If if if if you are in, NOTE Confidence: 0.8523259925 ee4a0f50-1253-4fb5-92f1-b467f945e86d 00:47:23.320 --> 00:47:24.156 for instance, NOTE Confidence: 0.8523259925 3e74ea4f-598f-449e-9a04-18fb2520e13b 00:47:24.156 --> 00:47:26.664 if you take our approach or NOTE Confidence: 0.8523259925 1ae35dda-0383-44d4-929a-645a0504faaa 00:47:26.664 --> 00:47:28.930 our case if you are into. NOTE Confidence: 0.8523259925 24fe83c7-226a-4d44-a9bf-e7344c5b0e42 00:47:28.930 --> 00:47:30.826 If you if you agree with the purpose NOTE Confidence: 0.8523259925 0f8209ad-99c9-4a56-8058-a4eebd266823 00:47:30.826 --> 00:47:32.928 and you want to align to the purpose, NOTE Confidence: 0.8523259925 9b35c87d-604e-4e34-9d1c-7214b3d7031f 00:47:32.930 --> 00:47:34.616 then you want to improve lives. NOTE Confidence: 0.8523259925 f58eb088-c89e-479f-9aff-b92816d2b15d 00:47:34.620 --> 00:47:38.259 The likelihood is the way you treat NOTE Confidence: 0.8523259925 c1c42824-df2c-4895-a3b8-f960d7349a77 00:47:38.259 --> 00:47:40.233 a customer will be first focused NOTE Confidence: 0.8523259925 f6750d55-1abd-4df5-a613-f1c44ed59ac2 00:47:40.233 --> 00:47:42.767 on what is best for the customer. NOTE Confidence: 0.8523259925 f6a5a169-5ab9-46b0-a006-41ea11ca532d 00:47:42.770 --> 00:47:46.018 How do you create? NOTE Confidence: 0.8523259925 8c85797d-a8f1-4e4c-8369-3ec5136abaee 00:47:46.020 --> 00:47:47.965 Capabilities that support the customers NOTE Confidence: 0.8523259925 a1ee0d10-a5e4-4e27-aac4-f781c614f6a3 00:47:47.965 --> 00:47:50.439 business and helps them to grow up. NOTE Confidence: 0.8523259925 5aea7c6c-0d04-455f-8add-55feff26c297 00:47:50.440 --> 00:47:51.142 We we. NOTE Confidence: 0.8523259925 0f9bf118-f747-4cd0-b31a-847dcf20437f 00:47:51.142 --> 00:47:53.599 We are into things like affordable housing. NOTE Confidence: 0.8523259925 ae6e7c74-fb9a-4609-b4b7-8841817256a2 00:47:53.600 --> 00:47:56.246 We are launching a digital affordable NOTE Confidence: 0.8523259925 e3b6b468-9c95-4a21-b02c-170ed9704bf8 00:47:56.246 --> 00:47:59.440 health across all the different markets. NOTE Confidence: 0.8523259925 692aabf3-6f64-462d-8f64-2008ab687ad9 00:47:59.440 --> 00:48:01.596 All of these are driven by that NOTE Confidence: 0.8523259925 06773e60-7dc2-4c52-b19c-2e13a65a4db7 00:48:01.596 --> 00:48:02.940 purpose of improving lives, NOTE Confidence: 0.8523259925 78ed71a0-3efb-439e-95cc-3a94dbca259d 00:48:02.940 --> 00:48:04.480 but the underlying thing that NOTE Confidence: 0.8523259925 5e508fbc-9b01-4d45-8a3b-fad8c16b94a2 00:48:04.480 --> 00:48:07.097 happens is in terms of how we act as NOTE Confidence: 0.8523259925 87ef98a4-cf1b-4907-aed4-22671dc1d0b1 00:48:07.097 --> 00:48:09.400 individuals and as a group or as a cohort. NOTE Confidence: 0.8523259925 b3d03d56-999d-4874-b497-968199e6ae25 00:48:09.400 --> 00:48:11.698 It really then drives us towards NOTE Confidence: 0.8523259925 ff2b459d-019e-413a-96e2-df924e31b816 00:48:11.698 --> 00:48:13.840 being responsible in our actions. NOTE Confidence: 0.8523259925 d2d2809a-4b49-4272-941d-459e3b2dbe5a 00:48:13.840 --> 00:48:15.280 I must also say Steven. NOTE Confidence: 0.8523259925 329a36ed-8b6b-4e87-a185-11cc5929cdd8 00:48:15.280 --> 00:48:18.202 I do remember Professor sister when NOTE Confidence: 0.8523259925 7ab23273-7f29-4f18-8de7-a0fb69be3394 00:48:18.202 --> 00:48:24.120 when he he. Taught US ethics in banking. NOTE Confidence: 0.8523259925 c68f3ef4-e28d-4316-8556-2292691e800b 00:48:24.120 --> 00:48:26.100 I tell you what, uh, NOTE Confidence: 0.8523259925 19e1b194-8e86-4e8b-bf4c-6a2a5e39df0a 00:48:26.100 --> 00:48:27.786 some of the terminology was difficult. NOTE Confidence: 0.907405255555556 0abbaa3d-2cce-4f5f-9456-e90530c6472a 00:48:30.280 --> 00:48:33.904 The lessons we took away was very much NOTE Confidence: 0.907405255555556 fddb067e-c12f-4545-b4f4-86b8fee80d13 00:48:33.904 --> 00:48:35.712 around ensuring that we remembered NOTE Confidence: 0.907405255555556 b9fff1d6-a7cb-4197-8e3b-5aecab3f31ba 00:48:35.712 --> 00:48:38.067 the lessons of what had happened and NOTE Confidence: 0.907405255555556 503739ce-92a1-4a76-9c6e-d265863b3d4b 00:48:38.067 --> 00:48:40.227 like I said it was post the financial NOTE Confidence: 0.907405255555556 456848d0-98f6-42be-ad0b-7466b71c5025 00:48:40.227 --> 00:48:42.215 crisis so some of the lessons that NOTE Confidence: 0.907405255555556 f2241bfd-8729-400b-8a6e-004c54b4efb8 00:48:42.215 --> 00:48:43.876 could happen and what regulators had NOTE Confidence: 0.907405255555556 4c6f7aa8-db5e-44a3-a013-9a7eb410f1ab 00:48:43.876 --> 00:48:46.100 looked out for in the impact that had NOTE Confidence: 0.907405255555556 fe905a9b-ed0f-44e5-9543-dc15a1b494d2 00:48:46.163 --> 00:48:48.038 both on individuals and businesses. NOTE Confidence: 0.907405255555556 a06a13c1-773e-4125-9ef8-1145a05f540b 00:48:48.040 --> 00:48:49.783 So I do remember that and I NOTE Confidence: 0.907405255555556 0e65d303-f1b0-48d6-b6b6-6eefdf0825fe 00:48:49.783 --> 00:48:51.059 do remember him from my. NOTE Confidence: 0.80352909125 4cde7f3e-2abf-4490-b867-7b080b7fe086 00:48:53.070 --> 00:48:55.270 And Bob's ouster was earlier in there saying, NOTE Confidence: 0.80352909125 5d4f36a6-66f6-40f0-8f77-6d50f29998bd 00:48:55.270 --> 00:48:58.410 hi Andrew, great to see you again. NOTE Confidence: 0.80352909125 f0073cff-89e9-40d4-ab6f-764ff9831fef 00:48:58.410 --> 00:49:01.826 I think the, UM, the purpose of NOTE Confidence: 0.80352909125 0a6e618b-b3de-414a-9278-6a0c8e0e7ffe 00:49:01.826 --> 00:49:05.348 improving lives is a fantastic tagline, NOTE Confidence: 0.80352909125 8a8b9703-f82e-42cf-a376-e4703fbf1419 00:49:05.350 --> 00:49:07.968 inasmuch as improving you said you're a NOTE Confidence: 0.80352909125 b52a5734-bb2e-4329-8018-264f840d1350 00:49:07.968 --> 00:49:09.881 listed company improving dividends and NOTE Confidence: 0.80352909125 223584ee-8507-4b9b-9859-5227248445e4 00:49:09.881 --> 00:49:12.429 share value and things to to shareholders. NOTE Confidence: 0.80352909125 9b49a5a4-a870-4f8e-b7f6-933e4e4676ce 00:49:12.430 --> 00:49:15.517 But you achieve that only by satisfying NOTE Confidence: 0.80352909125 fb47644c-7429-47d0-a164-747e77ac422c 00:49:15.517 --> 00:49:18.560 a much broader set of stakeholders. NOTE Confidence: 0.80352909125 4838002b-bb2b-4686-9bad-da7c2da38e83 00:49:18.560 --> 00:49:20.849 And I just want to pick up NOTE Confidence: 0.80352909125 650ab6c7-520a-4200-8c21-9ee471df141c 00:49:20.849 --> 00:49:23.274 on something you talk about. NOTE Confidence: 0.80352909125 e439654f-1f65-48d9-a096-12cbd79cd0a1 00:49:23.274 --> 00:49:25.038 Microfinance, financial inclusion. NOTE Confidence: 0.80352909125 148de8e1-e061-48fa-8517-ebf4dab8815b 00:49:25.040 --> 00:49:28.028 Affordable housing digital health. NOTE Confidence: 0.80352909125 ea0839aa-3cf1-4c86-82e8-32c9a7093dd2 00:49:28.030 --> 00:49:31.704 Now the the question of course is, are these, NOTE Confidence: 0.80352909125 69235140-2ccc-494a-bdc8-afc53ef92452 00:49:31.704 --> 00:49:34.986 UM, customers who have those requirements? NOTE Confidence: 0.80352909125 be94f3b8-84d3-4190-ab44-4aa19dce6dd6 00:49:34.990 --> 00:49:38.847 Are they able to access things digitally? NOTE Confidence: 0.80352909125 6557cf11-117e-482f-84a3-8ee21329946a 00:49:38.850 --> 00:49:41.587 'cause historically would have said Oh well, NOTE Confidence: 0.80352909125 2c6ecea1-38b7-4376-90b2-ca7b813aa96d 00:49:41.590 --> 00:49:42.661 you know, no. NOTE Confidence: 0.80352909125 1b2dde3e-0f77-410d-a547-3c41bf0b0310 00:49:42.661 --> 00:49:44.446 It's it's about having bank NOTE Confidence: 0.80352909125 5e3d1f12-8327-4871-917b-6144af193156 00:49:44.446 --> 00:49:46.649 branches in convenient locations. NOTE Confidence: 0.80352909125 75bc696c-0910-40c4-86f8-4c248073bf71 00:49:46.650 --> 00:49:47.703 But of course, NOTE Confidence: 0.80352909125 5e7d417a-6a75-4668-b031-5e6253699772 00:49:47.703 --> 00:49:50.160 mobile mobile banking has taken a leap NOTE Confidence: 0.80352909125 060d7772-6933-4521-8536-824260d6075b 00:49:50.234 --> 00:49:52.684 forward way over ahead of the normal, NOTE Confidence: 0.80352909125 f8ced7aa-8518-4f25-bc9c-80e958b690c3 00:49:52.690 --> 00:49:54.506 traditional, slowly plodding forward NOTE Confidence: 0.80352909125 bc6e1a8e-7c4c-4d1b-be30-cf9087e4e126 00:49:54.506 --> 00:49:57.230 way in terms of distribution channels. NOTE Confidence: 0.80352909125 5686bd02-0a2e-47a6-a0e9-77f897c5df3b 00:49:57.230 --> 00:49:58.814 Do you find that? NOTE Confidence: 0.80352909125 c9941ee2-e843-473c-b868-c4216684576b 00:49:58.814 --> 00:50:00.794 The customer sets for those NOTE Confidence: 0.80352909125 544116cd-cd03-42ca-805c-6768ddb4ada9 00:50:00.800 --> 00:50:03.072 affordable housing, digital health, NOTE Confidence: 0.80352909125 a1b9fef9-bf95-46e7-a349-b6cc6e8b24a2 00:50:03.072 --> 00:50:04.176 well, financial inclusion. NOTE Confidence: 0.80352909125 c3ea58dc-4260-434a-bcf8-c876c013bb98 00:50:04.176 --> 00:50:04.980 First of all, NOTE Confidence: 0.80352909125 3ae1af99-205a-4bf5-ab6b-4eb39f9b4bfd 00:50:04.980 --> 00:50:06.678 they've got to have technological inclusion, NOTE Confidence: 0.80352909125 1f32ec6a-f317-4de7-8bc9-ca0f270a5d87 00:50:06.680 --> 00:50:08.714 presumably to be able to to access things or NOTE Confidence: 0.80352909125 d22e4bba-fe11-4c17-9ecb-8e824090fbb0 00:50:08.714 --> 00:50:10.913 or or these people who go to bank branches. NOTE Confidence: 0.80352909125 1c16fa4d-2e0f-457f-868d-bb295c0555d0 00:50:10.920 --> 00:50:12.200 And how does it work? NOTE Confidence: 0.80352909125 1f8d6cc8-4aa8-4240-8067-7ff458b4e258 00:50:12.200 --> 00:50:15.485 No, it's a you you rightly point out Steven. NOTE Confidence: 0.80352909125 af5041d2-56fa-4fff-b00b-4f03ff46aa25 00:50:15.490 --> 00:50:18.787 The mobile phone has revolutionized the way NOTE Confidence: 0.80352909125 a8453a79-e959-4894-a558-c9757cad272b 00:50:18.787 --> 00:50:23.056 we do things and I'll give you the start. NOTE Confidence: 0.80352909125 3b7538ce-a90e-40c3-b218-39b19c04b254 00:50:23.060 --> 00:50:23.624 The late the. NOTE Confidence: 0.80352909125 e98f539d-6eb4-458f-9a99-01135cd41234 00:50:23.624 --> 00:50:24.940 At least that's the latest I have. NOTE Confidence: 0.80352909125 f58e11fd-e1bb-4450-885e-57f1d4593388 00:50:24.940 --> 00:50:26.659 I I think it may have changed since the NOTE Confidence: 0.80352909125 851c349d-e08c-4f19-8ecd-985600f15a6e 00:50:26.659 --> 00:50:30.110 last couple of months that I read this, but. NOTE Confidence: 0.80352909125 5e61e089-e042-4f9a-b45d-1eebfd0ad20e 00:50:30.110 --> 00:50:32.938 Smartphone penetration in Africa? NOTE Confidence: 0.80352909125 24ac70f6-1699-4a6f-8037-838129ac2618 00:50:32.938 --> 00:50:35.059 Is increasing exponentially. NOTE Confidence: 0.80352909125 62af0f0b-1bbf-477e-a5a3-de527d78fa6d 00:50:35.060 --> 00:50:35.702 Right, NOTE Confidence: 0.80352909125 10c62630-b368-4074-8b0f-701eae69a424 00:50:35.702 --> 00:50:41.008 so I think we are somewhere around 5960% at NOTE Confidence: 0.80352909125 8fab6dd4-1f4a-496d-8645-f523b4ad7caf 00:50:41.008 --> 00:50:45.940 the moment it is projected to get to 75%. NOTE Confidence: 0.80352909125 2d8df407-3c5c-46f5-9c35-76fa4c3d4c25 00:50:45.940 --> 00:50:52.800 By 2025 that is a significant proportion NOTE Confidence: 0.80352909125 b47160a4-26ee-4f64-b57b-99577decfa56 00:50:52.800 --> 00:50:55.464 of the 1.3 billion people in Africa who NOTE Confidence: 0.80352909125 c206c167-07b2-45d9-af9c-c58011f0008a 00:50:55.464 --> 00:50:58.330 would have access to smartphone technology? NOTE Confidence: 0.80352909125 ea5bd5d4-22ac-46d2-8f4a-387ca38243f4 00:50:58.330 --> 00:51:00.736 That lays a completely different field NOTE Confidence: 0.80352909125 b933d6e7-c48e-4347-855c-c827b112b707 00:51:00.736 --> 00:51:03.644 for how you can launch digital products NOTE Confidence: 0.80352909125 52bfbcc0-6238-48b5-8947-5e7a85716abe 00:51:03.644 --> 00:51:07.030 and we are finding that in what we do. NOTE Confidence: 0.80352909125 a9f81299-f90a-4037-a21a-3428ab11ce8c 00:51:07.030 --> 00:51:08.518 The other thing we we've also NOTE Confidence: 0.80352909125 fac55a9d-e728-4fce-bcff-995e63dff6d4 00:51:08.518 --> 00:51:10.447 done as part of how we build is. NOTE Confidence: 0.80352909125 17c51dcc-2e6c-4252-83f5-15b5cf339870 00:51:10.450 --> 00:51:13.242 We've also maintained the USD a link so NOTE Confidence: 0.80352909125 91e3c32a-7205-40e0-8570-7df4d73fa58a 00:51:13.242 --> 00:51:16.565 you you can access most of our services NOTE Confidence: 0.80352909125 2341c938-b3bd-4735-840a-05609512ab76 00:51:16.565 --> 00:51:18.930 actually through the USSD channel. NOTE Confidence: 0.80352909125 6a1d3d78-23d2-4504-b62d-0d35b0a3a62a 00:51:18.930 --> 00:51:21.156 But fundamentally I think the world is NOTE Confidence: 0.80352909125 903f9278-6648-42d7-86d6-a2d57d87268b 00:51:21.156 --> 00:51:24.128 going to a smart phones with smartphones. NOTE Confidence: 0.80352909125 46f019c6-a885-4e8e-a7e8-a2b3bc5fbc20 00:51:24.130 --> 00:51:25.762 The access to the web and so on NOTE Confidence: 0.80352909125 71f3608e-46e8-4f06-8c9e-09eab9cea236 00:51:25.762 --> 00:51:27.630 and so forth becomes much easier. NOTE Confidence: 0.80352909125 e3e15372-cefb-4535-aca7-b2364da84b25 00:51:27.630 --> 00:51:28.890 And then they they, NOTE Confidence: 0.80352909125 48d57153-e6a7-4186-990a-c458a906ecb4 00:51:28.890 --> 00:51:30.465 they they the technology then. NOTE Confidence: 0.80352909125 795e7451-53ad-4caf-89c4-92a75cda407e 00:51:30.470 --> 00:51:33.480 So the accessibility is there. NOTE Confidence: 0.80352909125 40a92ef0-205d-4d7b-b5fe-46a3c61212c8 00:51:33.480 --> 00:51:33.671 Well, NOTE Confidence: 0.80352909125 ff0d43b7-9642-4821-9a14-d59d2c48aae7 00:51:33.671 --> 00:51:35.008 if I talk about one or two NOTE Confidence: 0.80352909125 30f38c82-6856-4fa6-a764-c302af42812b 00:51:35.008 --> 00:51:36.180 of the quick products, NOTE Confidence: 0.80352909125 fa3a376b-0d9e-42e7-b094-ff19c837157c 00:51:36.180 --> 00:51:39.568 I mean so far for traditionally we NOTE Confidence: 0.80352909125 4612e0d5-e74b-47d0-8868-618ee7d9f295 00:51:39.568 --> 00:51:43.156 would do a housing, as in you go in. NOTE Confidence: 0.80352909125 3f7006aa-c071-4788-9c2b-c77e9a16e8fd 00:51:43.160 --> 00:51:44.861 People will sit in the house and NOTE Confidence: 0.80352909125 210f1138-5c0c-40d7-9bd4-a159080c6b08 00:51:44.861 --> 00:51:46.459 we signed up with a partner. NOTE Confidence: 0.80352909125 4ab75ed1-2229-4798-85da-7dfe19474df4 00:51:46.460 --> 00:51:48.278 I think that company and this NOTE Confidence: 0.80352909125 0fe6bc91-9aff-4eda-92eb-fb0bb24b23b3 00:51:48.278 --> 00:51:50.144 is about the ecosystems I was NOTE Confidence: 0.80352909125 3518ba5f-1499-4d94-85d6-a02078826421 00:51:50.144 --> 00:51:51.614 talking about earlier as well. NOTE Confidence: 0.80352909125 1b955bea-d0f5-4cbd-a26a-d66f4d2c0c38 00:51:51.620 --> 00:51:53.732 We've signed up with a partner NOTE Confidence: 0.80352909125 f0a18e8c-b744-480f-9807-a0d8b630f054 00:51:53.732 --> 00:51:56.171 who has actually done a lot of NOTE Confidence: 0.80352909125 c116e6f6-b3e9-4cc2-91a1-eed7093cf67b 00:51:56.171 --> 00:51:57.776 the background work to scope. NOTE Confidence: 0.80352909125 dca21249-3b37-4f15-91d9-1eb069c865ad 00:51:57.780 --> 00:51:58.662 Was in deficit. NOTE Confidence: 0.80352909125 79d08bfc-0a4b-41b5-8c79-516942d2671b 00:51:58.662 --> 00:52:00.426 So we we've started the program NOTE Confidence: 0.80352909125 b91b60a6-e7a1-4d87-8094-11ca2d03353e 00:52:00.426 --> 00:52:03.944 in Namibia with the funding from NOTE Confidence: 0.80352909125 cdbe928c-bb6b-478c-9eea-c3aee6b15bc8 00:52:03.944 --> 00:52:07.030 the IFC with the World Bank and NOTE Confidence: 0.80352909125 d77ea702-3d8d-438c-a6c5-f78461d19c17 00:52:07.030 --> 00:52:09.076 we working together with them to NOTE Confidence: 0.80352909125 0f98fcdf-312a-4b61-9c75-5824785a678a 00:52:09.076 --> 00:52:10.160 try and close that NOTE Confidence: 0.844237036153846 51d464cb-5f06-48f1-bfc5-1fca97c8d16a 00:52:10.160 --> 00:52:13.947 housing deficit and they they they have NOTE Confidence: 0.844237036153846 033658f0-2300-411a-8a2a-07546d995aed 00:52:13.947 --> 00:52:17.450 actually done a lot of groundwork. NOTE Confidence: 0.844237036153846 8ef13ab2-263c-44da-86e3-b750c47912d2 00:52:17.450 --> 00:52:20.257 One to map out where the opportunities NOTE Confidence: 0.844237036153846 cb9cfb60-a257-4224-a76c-7e1e419ad0a1 00:52:20.257 --> 00:52:23.547 are and where people where they need is. NOTE Confidence: 0.844237036153846 52e2e72f-6ea5-4dd0-996e-ed6ed60143bf 00:52:23.550 --> 00:52:25.590 But most importantly they've created NOTE Confidence: 0.844237036153846 c8367405-f09e-4eb0-8b19-99902d695ef1 00:52:25.590 --> 00:52:28.475 a platform which we are now working NOTE Confidence: 0.844237036153846 820ad556-a615-4dec-880b-254081bc050c 00:52:28.475 --> 00:52:30.415 with them to integrate with, NOTE Confidence: 0.844237036153846 11f4205a-ad03-4486-a51f-4acd69f715f1 00:52:30.420 --> 00:52:33.048 which allows us to make the NOTE Confidence: 0.844237036153846 c01d495a-399d-4edd-acd6-5b9e7f551cf0 00:52:33.048 --> 00:52:34.362 processes all digital. NOTE Confidence: 0.844237036153846 50e709f2-d608-4e67-a42e-f470d19f8af7 00:52:34.370 --> 00:52:36.988 So traditionally today it would take you, NOTE Confidence: 0.844237036153846 4e729191-d6f9-483d-83d9-e0e91bef0dbd 00:52:36.990 --> 00:52:39.111 let's say, to go through all the NOTE Confidence: 0.844237036153846 b647074b-346d-4d15-aa7d-799a26e26aa9 00:52:39.111 --> 00:52:42.028 the the forms and so on and get all NOTE Confidence: 0.844237036153846 8e95318a-a28a-4a9d-a7fb-258d6c9bdc80 00:52:42.028 --> 00:52:43.850 through the processes maybe 90 days NOTE Confidence: 0.844237036153846 7ac8713f-8130-4cf1-b8b6-e9b2a896d339 00:52:43.850 --> 00:52:46.148 as we speak through the digitization NOTE Confidence: 0.844237036153846 b8a8f049-2a0a-44fd-8043-6eb6c9a3dd57 00:52:46.148 --> 00:52:48.687 of the processes in conjunction with NOTE Confidence: 0.844237036153846 e45d16d8-f3f9-4fe3-b8df-8880dc8262b4 00:52:48.687 --> 00:52:50.850 the authorities that are supposed NOTE Confidence: 0.844237036153846 48a70a73-89f0-43c6-a279-436175854f80 00:52:50.850 --> 00:52:52.590 to be doing all this work, NOTE Confidence: 0.844237036153846 df18474a-928b-4d6a-b0d6-09f1c8e0d62f 00:52:52.590 --> 00:52:54.648 we've got it down to 30 days, NOTE Confidence: 0.844237036153846 f06ab7ce-9b66-4740-bb91-963a8f2e55d2 00:52:54.650 --> 00:52:56.846 so actually in some of the NOTE Confidence: 0.844237036153846 f7318b54-c8db-47b8-a9ea-8f70b4729d97 00:52:56.846 --> 00:52:57.944 traditional ways that. NOTE Confidence: 0.844237036153846 02bf095c-2e65-4dbc-8b92-b0c25cf181ea 00:52:57.950 --> 00:53:01.126 So when we go now to say somebody NOTE Confidence: 0.844237036153846 ebefeace-67e1-4001-9382-0d7e8c501cab 00:53:01.126 --> 00:53:04.530 should buy a house or buy. NOTE Confidence: 0.844237036153846 f2f10b14-c6ca-432f-9e70-bbb900c316b0 00:53:04.530 --> 00:53:07.518 The house that is a low low cost house. NOTE Confidence: 0.844237036153846 dfc2d0a9-7e8c-40ce-9830-3016174d3e3f 00:53:07.520 --> 00:53:09.896 The person doesn't have to now go round NOTE Confidence: 0.844237036153846 5ea5bd61-64a8-4e54-87e6-0804d074b7ae 00:53:09.896 --> 00:53:12.958 and do all the trips and so on and so forth. NOTE Confidence: 0.844237036153846 66484a3f-fb7a-44df-84ba-f42233aaf607 00:53:12.960 --> 00:53:15.060 They can actually do it digitally. NOTE Confidence: 0.844237036153846 9f6808bb-c7bd-4d29-bd04-8aebcfe3775e 00:53:15.060 --> 00:53:16.831 So what we're doing is we're going NOTE Confidence: 0.844237036153846 ad006086-5f30-443a-9cf4-ce7b96a7b97f 00:53:16.831 --> 00:53:18.976 to be able to upload the concepts NOTE Confidence: 0.844237036153846 5586169e-7184-49fd-8d1c-aa52df5fb3aa 00:53:18.976 --> 00:53:20.300 on our digital platform. NOTE Confidence: 0.844237036153846 926873b4-0694-40f5-bac0-a4ba92240bed 00:53:20.300 --> 00:53:21.260 You can actually go there, NOTE Confidence: 0.844237036153846 4379ef7f-4d64-4c79-a302-227ec93638f6 00:53:21.260 --> 00:53:24.676 click and say I want the house and. NOTE Confidence: 0.844237036153846 3cbff4c8-78b1-48c8-9b91-377676ef0ec8 00:53:24.680 --> 00:53:27.270 In a in a in a in days you can NOTE Confidence: 0.844237036153846 874c6fa3-2348-4502-a4fd-e4b2194642e1 00:53:27.359 --> 00:53:30.090 actually wreck realize that house NOTE Confidence: 0.844237036153846 f2f61030-058d-45be-99ba-70433b78e469 00:53:30.090 --> 00:53:32.995 so that piece of work is ongoing. NOTE Confidence: 0.844237036153846 9cff6e23-fdcb-4ede-a469-533af8d0fa57 00:53:33.000 --> 00:53:33.430 Yeah, NOTE Confidence: 0.844237036153846 3918a155-4ce2-44fb-bc2c-15ed41d00213 00:53:33.430 --> 00:53:36.010 I mean that's that's absolutely amazing. NOTE Confidence: 0.844237036153846 5bd202d4-e6f1-4275-ba6f-feb02291ffa2 00:53:36.010 --> 00:53:39.460 One thing I I want to ask about is some. NOTE Confidence: 0.844237036153846 9e12d3c0-9d0c-4664-b8ef-2f7ba73201df 00:53:39.460 --> 00:53:41.860 With the increasing use of NOTE Confidence: 0.844237036153846 44101e9b-fbee-4128-bace-f8609c2c92ce 00:53:41.860 --> 00:53:44.260 technology in many countries comes NOTE Confidence: 0.844237036153846 07a536be-d393-4ee7-b71b-d7d1bcc0974f 00:53:44.338 --> 00:53:46.618 the increasing risk of fraud. NOTE Confidence: 0.844237036153846 67e9f86a-1f00-4cec-af57-0e41b083365a 00:53:46.620 --> 00:53:49.776 People posing on both sides of NOTE Confidence: 0.844237036153846 a446a3e2-3cd9-40c3-b1f4-24c9779b1192 00:53:49.776 --> 00:53:51.880 of the supply relationship, NOTE Confidence: 0.844237036153846 940c84b4-a84f-4b9b-9c3e-a6a40a2f399e 00:53:51.880 --> 00:53:54.598 both as providers or as customers. NOTE Confidence: 0.844237036153846 fa0e466c-1b27-441f-8229-59e068cb5c11 00:53:54.600 --> 00:53:56.750 Fraud certainly is increased in NOTE Confidence: 0.844237036153846 36b01e01-bc64-4c9a-a214-743b0e1a2655 00:53:56.750 --> 00:53:59.500 the UK during the lockdown period. NOTE Confidence: 0.844237036153846 3f849bef-55a9-4e46-8fe3-421b05a18dfa 00:53:59.500 --> 00:54:03.217 Have you seen anything like that yourself? NOTE Confidence: 0.844237036153846 b2ef43da-164b-4115-b635-0feb5e537da5 00:54:03.220 --> 00:54:03.740 I'm. NOTE Confidence: 0.932316078 f209287e-3d3e-4d9b-bef6-5bcb0fd064b2 00:54:05.900 --> 00:54:07.740 It's it's a. It's a. NOTE Confidence: 0.932316078 7fa14d02-a777-4346-8c46-9ef1c3724009 00:54:07.740 --> 00:54:09.294 It's a it's a it's it's a NOTE Confidence: 0.932316078 324f6ed7-a173-42e7-b61c-55a5d78ac23d 00:54:09.294 --> 00:54:11.757 question that I I would say. NOTE Confidence: 0.932316078 c3aefde5-43f6-4732-be57-302b747e8240 00:54:11.757 --> 00:54:15.351 We haven't suddenly seen a surge NOTE Confidence: 0.932316078 2c2f1f60-55e4-4260-88a8-1544bd7e9694 00:54:15.351 --> 00:54:18.609 within the hour business yet. NOTE Confidence: 0.932316078 981e8bec-8768-4441-a03a-bd70d1476bfc 00:54:18.610 --> 00:54:21.198 But we expect it. NOTE Confidence: 0.932316078 88064eb7-65d7-47c2-a79c-770d5b039baa 00:54:21.200 --> 00:54:25.224 We expect it come because as you be, NOTE Confidence: 0.932316078 e8da8812-85e8-4704-ba15-fec59c3786d9 00:54:25.230 --> 00:54:28.798 but what what we expect more of is. NOTE Confidence: 0.932316078 d47c14aa-36b2-4a2e-9fd4-1edc16bf773c 00:54:28.800 --> 00:54:30.012 Because it's digital, NOTE Confidence: 0.932316078 60a21841-a01b-400c-a3e8-763b2870d3e9 00:54:30.012 --> 00:54:34.830 you expect to see a more digital approach NOTE Confidence: 0.932316078 94dbbd33-b2be-44b7-a6b5-af8d15d7970c 00:54:34.830 --> 00:54:37.750 through cyberattacks and various means. NOTE Confidence: 0.932316078 121e968f-165c-43c7-b425-7ca4d6b27c7e 00:54:37.750 --> 00:54:41.440 Also that the impact can be much wider, NOTE Confidence: 0.932316078 8b04a13f-3718-4db9-9db5-4ce5d6a4b09d 00:54:41.440 --> 00:54:44.080 broader, and much more. NOTE Confidence: 0.932316078 a4e867c4-16cf-4089-9943-48893c756f10 00:54:44.080 --> 00:54:45.304 It's more significant than NOTE Confidence: 0.932316078 f0c2c638-9d07-40ba-982e-b3d8a8ef70bf 00:54:45.304 --> 00:54:47.140 when one person trying to use NOTE Confidence: 0.932316078 0ff5129c-9a42-4633-a5b9-5d487fde7263 00:54:47.203 --> 00:54:48.781 manual means to try and reach NOTE Confidence: 0.932316078 cdd7c1b1-385c-4a22-bb70-b1ad76373082 00:54:48.781 --> 00:54:50.599 accounts and so on and so forth. NOTE Confidence: 0.932316078 a937de2a-d466-468b-a756-8ebdcc6133b5 00:54:50.600 --> 00:54:52.760 So you are absolutely right. NOTE Confidence: 0.932316078 37321ada-cd3c-47cc-8a12-1e0e30d7dc35 00:54:52.760 --> 00:54:55.371 I think fraud is one of the NOTE Confidence: 0.932316078 7cab5afb-2a76-4337-ac2c-74e76a186f74 00:54:55.371 --> 00:54:57.230 biggest risks that we face. NOTE Confidence: 0.932316078 31b101a2-26c1-4afa-aeb5-1688fa494905 00:54:57.230 --> 00:54:59.782 So it is something that we we we NOTE Confidence: 0.932316078 b7abf808-26a7-4794-9ff7-29932ae52cca 00:54:59.782 --> 00:55:02.534 pay attention to and and today that NOTE Confidence: 0.932316078 c16f9fc5-a3ea-423f-84c7-b45658f6f40e 00:55:02.534 --> 00:55:04.980 number of tools that we can be NOTE Confidence: 0.932316078 00fe0a94-8905-489a-ac29-5c24cf29ee6e 00:55:04.980 --> 00:55:07.002 applied and a number of partnerships NOTE Confidence: 0.932316078 26eeeaa2-f54c-4a56-86e0-cbdc20b6d6b9 00:55:07.002 --> 00:55:09.786 that bring us the fraud protection. NOTE Confidence: 0.932316078 e02c151b-cfdc-42bd-9bdd-22ae7e856c0a 00:55:09.790 --> 00:55:11.770 So it's an ongoing conversation. NOTE Confidence: 0.932316078 b0476253-8126-43c4-93bd-071b0b9c0526 00:55:11.770 --> 00:55:13.744 And it's something that we're focused on. NOTE Confidence: 0.932316078 1e138038-9564-499c-a6ea-bb6377a11a83 00:55:13.750 --> 00:55:14.832 OK, thanks. NOTE Confidence: 0.932316078 7ddfc43a-3220-4c93-9037-290579238f2a 00:55:14.832 --> 00:55:17.537 Well Kathy from Lesotho but NOTE Confidence: 0.932316078 5db29598-91e1-44da-9a44-1328a108d952 00:55:17.537 --> 00:55:20.528 currently studying in the UK asks NOTE Confidence: 0.932316078 c7a115ee-10c6-4753-9e8d-6a39660bd069 00:55:20.528 --> 00:55:25.440 about your company's plans in. NOTE Confidence: 0.932316078 845b1ccf-a24c-4e8e-82f9-c30fe6a60e33 00:55:25.440 --> 00:55:26.355 We'll get it. NOTE Confidence: 0.932316078 a5bef745-2869-44d1-ad6b-6b1374840025 00:55:26.355 --> 00:55:27.575 I suspect that's confidential, NOTE Confidence: 0.932316078 ad34db37-f184-4e8b-b79c-b9af4aef7559 00:55:27.580 --> 00:55:31.479 and therefore we're unlikely to have it. NOTE Confidence: 0.932316078 a4754f25-5836-4744-8d85-ad1f32d4be1a 00:55:31.480 --> 00:55:33.412 I can say this though it's NOTE Confidence: 0.932316078 8156c048-1551-4106-ae16-c1e2e27cc21b 00:55:33.412 --> 00:55:34.769 pocket watch this space. NOTE Confidence: 0.935526454 b98b4ec1-3211-4060-af1d-1935142c1860 00:55:36.970 --> 00:55:38.790 Yeah, well, there we are. NOTE Confidence: 0.935526454 27c68266-cea3-41e3-9057-d91ed8d797e9 00:55:38.790 --> 00:55:40.290 Otherwise everybody would be rushing NOTE Confidence: 0.935526454 5b3d3d0b-bb6f-4404-b705-96fd2f738a3e 00:55:40.290 --> 00:55:42.310 in to follow the same strategy. NOTE Confidence: 0.935526454 18bd51a9-afee-4095-a35c-37d396845663 00:55:42.310 --> 00:55:45.334 UM, picking up on some of the things NOTE Confidence: 0.935526454 94e312c0-a248-4a42-9e0d-ccd8e95e7ab2 00:55:45.334 --> 00:55:47.663 Beecham says there could we hear NOTE Confidence: 0.935526454 471cfd46-ad1b-403a-ad6a-eaca92d56a3b 00:55:47.663 --> 00:55:50.074 more about the 625 plan? I'm afraid? NOTE Confidence: 0.935526454 5db3271c-a4d0-4e1a-baa1-462a706936b7 00:55:50.074 --> 00:55:52.760 Beat him in the time we have available NOTE Confidence: 0.935526454 81060267-ffa3-48ce-afef-602c571693dc 00:55:52.760 --> 00:55:54.636 I I think we've already heard. NOTE Confidence: 0.935526454 2f3fb27b-b997-4f40-bf9a-9eeb5b6b9f51 00:55:54.636 --> 00:55:56.934 What can we achieve in six months to NOTE Confidence: 0.935526454 529f24e1-c736-4fbf-9182-3191a49ab10a 00:55:56.934 --> 00:55:58.810 change what we're doing now two years. NOTE Confidence: 0.935526454 2fc10673-7796-4778-af21-1d1b6131d2e5 00:55:58.810 --> 00:56:00.750 You know, becoming customer level NOTE Confidence: 0.935526454 8b7ff428-52ab-4692-886a-5f529b407735 00:56:00.750 --> 00:56:03.134 as what Andrew was saying and NOTE Confidence: 0.935526454 c349fdb3-f3fc-41ce-bd72-3612ecf757e9 00:56:03.134 --> 00:56:04.999 then a slightly longer period. NOTE Confidence: 0.935526454 ea308d4a-3fab-4a74-ad89-975f4fb06924 00:56:05.000 --> 00:56:07.760 I'll just in passing, make a note about. NOTE Confidence: 0.935526454 a0d6e6f4-7c56-4b33-b571-5f84d134a3cb 00:56:07.760 --> 00:56:10.550 What might be called the six two 5-10 plan? NOTE Confidence: 0.935526454 28813101-6098-4fcf-b631-dcbf803b3b1a 00:56:10.550 --> 00:56:13.376 UM, but actually it wasn't even 6/2 and five. NOTE Confidence: 0.935526454 d85cb842-958d-4911-8aae-605efdeca105 00:56:13.380 --> 00:56:15.150 I heard of an organization we're NOTE Confidence: 0.935526454 d9e0dd01-56ba-45e0-a50d-7abc1f9545cf 00:56:15.150 --> 00:56:17.120 going to plan for the next 10 NOTE Confidence: 0.935526454 f1bcae07-0117-44ce-8125-19b82fefd0f3 00:56:17.120 --> 00:56:18.572 years and I said to them, NOTE Confidence: 0.935526454 e5d69ba7-a9ce-485d-b062-c644e104ed48 00:56:18.580 --> 00:56:20.230 you really think you know what's NOTE Confidence: 0.935526454 285e3c25-e4c7-429e-906d-9c439fc54fd1 00:56:20.230 --> 00:56:21.980 gonna happen in 10 years time? NOTE Confidence: 0.935526454 d49e7090-bd98-4586-8ce5-8ea08e63d984 00:56:21.980 --> 00:56:23.470 You know if you'd have NOTE Confidence: 0.935526454 0b9ab804-9b78-4e71-9b74-81b651a4c311 00:56:23.470 --> 00:56:24.960 said that in February 2020, NOTE Confidence: 0.935526454 5c9ac710-efda-45e1-8d68-db1b031bb590 00:56:24.960 --> 00:56:26.180 where would you have been? NOTE Confidence: 0.935526454 1f71843a-690c-43d7-941e-d49b0fb99025 00:56:26.180 --> 00:56:28.376 You wouldn't have predicted to space, NOTE Confidence: 0.935526454 916f5a13-49a9-4631-9860-c336dd8c195b 00:56:28.380 --> 00:56:30.570 yeah? NOTE Confidence: 0.935526454 4b51c7e6-4fd8-4f24-b903-c76410f10466 00:56:30.570 --> 00:56:32.954 Thing is to be open and and flexible NOTE Confidence: 0.935526454 b9501357-3c52-4be9-8803-7ddd32d73322 00:56:32.954 --> 00:56:35.405 and and that's why we implemented NOTE Confidence: 0.935526454 8542799d-bbd5-4bb6-a0fa-46c77f04f011 00:56:35.405 --> 00:56:37.640 enterprise agility because I think NOTE Confidence: 0.935526454 d1b2a7c8-b92e-4ffb-9f07-eaeeae8d5cc9 00:56:37.640 --> 00:56:39.710 agile ways of working allows you NOTE Confidence: 0.935526454 1b738662-6e6d-411d-880f-18d286ea1b3c 00:56:39.710 --> 00:56:42.016 to be able to pivot when things NOTE Confidence: 0.935526454 850fe433-44e6-4e2a-bec7-82e204a9e68f 00:56:42.016 --> 00:56:43.984 change in the environment in a NOTE Confidence: 0.935526454 74f65526-3d26-47f4-9f91-9ca898b40ed1 00:56:43.984 --> 00:56:45.169 much faster and smoother way. NOTE Confidence: 0.935526454 bb739019-9a36-4e25-ae8e-164705be0497 00:56:45.170 --> 00:56:46.175 So absolutely yes. NOTE Confidence: 0.935526454 85f41239-c918-40fd-8fc0-f2e13f54101e 00:56:46.175 --> 00:56:48.520 I'm sure some people may still feel NOTE Confidence: 0.935526454 0802e83b-04ce-4e7b-accf-4124d5adbbf3 00:56:48.586 --> 00:56:51.066 they can plan for much that much longer, NOTE Confidence: 0.935526454 ca12e9b3-210b-48e2-8544-7492ebee07ee 00:56:51.070 --> 00:56:53.428 but the important thing is to be able to NOTE Confidence: 0.935526454 bc77aea2-32df-44fd-a9e7-b34db08e5665 00:56:53.428 --> 00:56:55.796 stay attuned to what the environment is, NOTE Confidence: 0.935526454 3ecb4c3d-c665-4233-b301-e0de69cc60cd 00:56:55.800 --> 00:56:57.480 what your customers are saying, NOTE Confidence: 0.935526454 4295f1ed-cb57-48cb-bfb0-8b758dbc2224 00:56:57.480 --> 00:56:59.736 and what they they really want to see. NOTE Confidence: 0.905935725 ddf3c633-3d00-47f9-b0df-6bd77030f5bd 00:57:01.970 --> 00:57:04.698 And and I think that makes the difference. NOTE Confidence: 0.905935725 2ba6401e-c82c-4f56-adab-f8c83d19f410 00:57:04.700 --> 00:57:07.016 That's right, and I think making NOTE Confidence: 0.905935725 8f75f89d-9a3a-4dae-8776-0c9e4cb7da2f 00:57:07.016 --> 00:57:08.560 making the appropriate adjustment NOTE Confidence: 0.905935725 45681924-9eb5-4923-8231-5cbf687b8475 00:57:08.623 --> 00:57:10.860 as Andrews just said and and, uh, NOTE Confidence: 0.905935725 91fa3f81-44c4-4c16-9e25-e4d10a2be9d8 00:57:10.860 --> 00:57:13.620 and agile enterprise, UM Charles Darwin. NOTE Confidence: 0.905935725 e9cd45d1-7eda-409a-923e-2ddffc316975 00:57:13.620 --> 00:57:17.580 It was in the field of natural biology, NOTE Confidence: 0.905935725 1ddef6b0-f6b8-4ca1-9ec7-8c8f431a16b7 00:57:17.580 --> 00:57:19.176 talked about, you know, NOTE Confidence: 0.905935725 748a7595-e4ec-4e0f-a4ec-927bddafd9f3 00:57:19.176 --> 00:57:20.772 it's not necessarily the NOTE Confidence: 0.905935725 9bd92d2c-0c84-422a-975d-937fbb3ca378 00:57:20.772 --> 00:57:22.519 biggest animal that survives. NOTE Confidence: 0.905935725 cf312777-f6e1-4f39-aa64-d929a2a229ad 00:57:22.520 --> 00:57:24.420 Its the one who recognized NOTE Confidence: 0.905935725 9662e5c9-aed4-4c2a-94d6-0b877bf8a18c 00:57:24.420 --> 00:57:25.940 changes and can evolve. NOTE Confidence: 0.905935725 c7820521-f7bb-4d2a-af75-e1d54cb7a0b8 00:57:25.940 --> 00:57:28.172 And so it is in the kind of ecosystems NOTE Confidence: 0.905935725 34a31808-9e4a-4ea8-bf29-30f32e77a683 00:57:28.172 --> 00:57:30.046 that Andrew has been talking NOTE Confidence: 0.905935725 d5035827-6697-4a20-b114-d80969828b04 00:57:30.046 --> 00:57:31.606 about the business ecosystems. NOTE Confidence: 0.905935725 d5c531c1-7eb2-4b51-aacd-e1920b866d22 00:57:31.610 --> 00:57:33.470 It's about recognising change, NOTE Confidence: 0.905935725 fd7e7d36-cc3f-4a3a-8621-93f447c84dda 00:57:33.470 --> 00:57:35.330 not jumping too quickly. NOTE Confidence: 0.905935725 752c390a-8a24-4ff4-a1b0-c1a713bf7e00 00:57:35.330 --> 00:57:38.426 But looking at things and then in a way NOTE Confidence: 0.905935725 1a1b18e4-5f05-4a7d-9f2b-b5cf3d0a2da8 00:57:38.426 --> 00:57:41.910 that carries the whole organization forward, NOTE Confidence: 0.905935725 c04b3c19-2945-496f-bf69-449fbebf3e50 00:57:41.910 --> 00:57:44.208 focused on customers being an child, NOTE Confidence: 0.905935725 40927c63-6db1-4731-a6b0-0a5204ddc9d0 00:57:44.210 --> 00:57:47.120 enough to change. NOTE Confidence: 0.905935725 724327a6-826f-4849-bec5-246edd6b8a6d 00:57:47.120 --> 00:57:49.346 Come up says oh, actually happens to NOTE Confidence: 0.905935725 eac3bb7b-81c7-4e0f-b391-cc302cd78835 00:57:49.346 --> 00:57:53.600 have the same surname as as you, Andrew. NOTE Confidence: 0.905935725 b0b31ccb-95e0-4389-9246-2ce5e8abe906 00:57:53.600 --> 00:57:55.266 I'm OK now if this is a. NOTE Confidence: 0.905935725 34145093-92ef-43e8-859e-2f2a7eb40652 00:57:55.270 --> 00:57:57.489 If this is a planted question from NOTE Confidence: 0.905935725 71a9ee51-685b-4c8f-8abc-85773666f729 00:57:57.489 --> 00:58:00.156 a family member we'll never know, NOTE Confidence: 0.905935725 880e2071-6126-4bc6-8ce9-2b6050627550 00:58:00.156 --> 00:58:01.300 but well, NOTE Confidence: 0.905935725 cda7d34c-275c-4e0d-b199-a42843e977e8 00:58:01.300 --> 00:58:02.800 it it is, Steven, NOTE Confidence: 0.905935725 636f0457-8444-4f5b-a839-90cce2b98f56 00:58:02.800 --> 00:58:03.925 that's my daughter. NOTE Confidence: 0.51353355 158fb8a6-2322-4cd6-b39f-4c4cebf1168f 00:58:07.090 --> 00:58:10.463 So, uh, and and uh, yeah. NOTE Confidence: 0.51353355 69d487aa-ec5f-4cd2-8a9a-e81e0e6024fe 00:58:10.463 --> 00:58:12.778 It's it's a conversation we NOTE Confidence: 0.51353355 18bb5a17-8073-401e-9f5a-05784a02ece8 00:58:12.778 --> 00:58:15.160 have very often. She's a. NOTE Confidence: 0.51353355 38fec386-5219-46d5-8b07-379e98c1a6c1 00:58:15.160 --> 00:58:20.384 She's a JD PhD student in the US, right? NOTE Confidence: 0.51353355 08a13724-508f-4180-ad99-cc70caf3d67d 00:58:20.384 --> 00:58:24.255 And she she she she she's very much NOTE Confidence: 0.51353355 adbe07b2-8088-4d9b-9684-52d7a83ec818 00:58:24.255 --> 00:58:26.894 about values and what people do and NOTE Confidence: 0.51353355 b0a166bd-5fd5-457b-b851-2e64bce51ca6 00:58:26.894 --> 00:58:29.889 what think and how they live up to NOTE Confidence: 0.51353355 edb823fa-bb56-4618-9ca2-9bbec576713d 00:58:29.889 --> 00:58:32.073 expectations and so on so forth. NOTE Confidence: 0.51353355 8492b1e7-52ee-43de-9b6d-26fc0e789cb3 00:58:32.080 --> 00:58:34.186 It's a colleague, so I'm not NOTE Confidence: 0.51353355 d8450a6d-fcbe-43ce-a0fe-ff6764f2e3d3 00:58:34.186 --> 00:58:36.240 surprised that that's her question. NOTE Confidence: 0.807469232857143 2bab0a45-1fd0-424f-b0ac-e71f9171044e 00:58:38.830 --> 00:58:40.608 Greetings to you in the US where NOTE Confidence: 0.807469232857143 27b14df5-8515-45b1-904a-aad162f58e98 00:58:40.608 --> 00:58:41.912 whichever part of the whichever NOTE Confidence: 0.807469232857143 90f3e1e8-a366-4841-9247-af2b08e11b57 00:58:41.912 --> 00:58:43.620 part of the US where which part NOTE Confidence: 0.807469232857143 57351ebd-7cfc-4b0c-ad28-b8865b9226d1 00:58:43.620 --> 00:58:45.340 of the US is she in the US now? NOTE Confidence: 0.807469232857143 2d88bdfc-4a83-4734-97c4-c9cecd2a19df 00:58:45.340 --> 00:58:47.212 Andrew, she's in Chicago. NOTE Confidence: 0.807469232857143 08d4ba08-f679-4924-a033-7b668e142a61 00:58:47.212 --> 00:58:50.506 Yes, alright, OK, and you already have NOTE Confidence: 0.807469232857143 f9a4aab7-c010-4547-b255-a17fa7d0ed63 00:58:50.506 --> 00:58:54.556 a great insight to that, and so do we. NOTE Confidence: 0.807469232857143 8d5a095a-e8b4-4ad5-9734-aa47781eddbf 00:58:54.556 --> 00:58:56.820 Because Andrew has been able to share NOTE Confidence: 0.807469232857143 6ef78e3f-846b-42f3-8a15-ad7362382675 00:58:56.820 --> 00:58:59.760 quite a lot of his philosophy with us, NOTE Confidence: 0.807469232857143 08bda8b6-08fc-4b53-bcb9-1af4f0799149 00:58:59.760 --> 00:59:02.380 Oliver Grant asks. Hi, Andrew, NOTE Confidence: 0.807469232857143 845986f5-46a5-4528-b10c-aca53727b376 00:59:02.380 --> 00:59:04.756 oh, this is an awkward question. NOTE Confidence: 0.807469232857143 663cb5fc-a2e3-46d1-9df4-b329bfd27377 00:59:04.760 --> 00:59:07.728 What was your most enjoyable elective module? NOTE Confidence: 0.807469232857143 3c24ba06-4947-450b-9f90-120dc50fff44 00:59:07.730 --> 00:59:08.464 And why? NOTE Confidence: 0.807469232857143 6d5e9832-6357-42e3-9cbc-f87b1b5d3f2f 00:59:08.464 --> 00:59:11.400 Without naming names he says I'm a Andrew. NOTE Confidence: 0.807469232857143 58b8bb09-850e-428c-a631-8c47fc9c44f0 00:59:11.400 --> 00:59:12.888 Oliver says I'm considering NOTE Confidence: 0.807469232857143 1487b732-38a7-4a34-91c7-9046303bc2d8 00:59:12.888 --> 00:59:14.748 studying the banker CB MBA. NOTE Confidence: 0.807469232857143 808e01c9-86d5-4438-8403-0d1dfe25be0d 00:59:14.750 --> 00:59:16.238 He enjoys the presentation. NOTE Confidence: 0.955012974 fd6cee14-8bc9-475d-bb8f-60bad06158bd 00:59:19.370 --> 00:59:21.428 Anything you can stay there without NOTE Confidence: 0.955012974 f823f8b7-150c-4d8c-9bf9-87b86254563d 00:59:21.428 --> 00:59:23.380 falling out with anybody, yes. NOTE Confidence: 0.834335926153846 49b5d2fd-e571-4b39-b095-f9bc3a1e427e 00:59:25.630 --> 00:59:28.790 OK, uhm. They I, I don't let me NOTE Confidence: 0.834335926153846 d9aba516-8569-4db1-8a50-606423a2b333 00:59:28.790 --> 00:59:31.660 see what the elective module. NOTE Confidence: 0.9385468 4ae8e2d3-1340-4841-a06d-7913188b4665 00:59:34.200 --> 00:59:36.255 Without without without, NOTE Confidence: 0.9385468 0f0ca03d-5100-43be-98b8-e1c26bc0eba2 00:59:36.255 --> 00:59:39.680 without falling out with anyone, NOTE Confidence: 0.9385468 437587f7-9fc1-4285-9a0a-d355148189bc 00:59:39.680 --> 00:59:42.515 I must say maybe it was my first module, NOTE Confidence: 0.9385468 a41f8281-5b7b-471a-b00f-0d6cde6e0131 00:59:42.520 --> 00:59:44.920 but I think if I took up if I think NOTE Confidence: 0.9385468 ee35a092-ceff-4adf-a624-58b55f42eccf 00:59:44.990 --> 00:59:49.040 about the program as a whole. The. NOTE Confidence: 0.9385468 57705688-14dd-42c6-a72b-523a4f7c695b 00:59:49.040 --> 00:59:52.690 Financial institutions risk management uh? NOTE Confidence: 0.9385468 78d344d1-8e84-47a0-bfed-36ea1b58c208 00:59:52.690 --> 00:59:58.024 Course was very very useful for me NOTE Confidence: 0.9385468 51bfbbba-a46c-4da5-a81a-e04a902a2cca 00:59:58.030 --> 01:00:00.406 and I think all like I've said before, NOTE Confidence: 0.9385468 4135e97f-5daf-4578-8177-aa6259c2f3a1 01:00:00.410 --> 01:00:01.690 all the courses were great. NOTE Confidence: 0.9385468 76abefd4-fbab-48fa-9b99-8279f263b74b 01:00:01.690 --> 01:00:04.300 I learned a lot and I always attended the NOTE Confidence: 0.9385468 e8e5295a-bf76-43e5-b00f-0d6c1f629893 01:00:04.300 --> 01:00:06.847 the revision sessions for all of them. NOTE Confidence: 0.9385468 05e67cb7-5fc0-490c-a294-c284ecb04e2d 01:00:06.850 --> 01:00:09.794 So it tells you that I was very much into NOTE Confidence: 0.9385468 3cfeaee5-9650-46ae-9910-c4ba3cb36f34 01:00:09.794 --> 01:00:12.714 it and participated strongly, but it was. NOTE Confidence: 0.9385468 83a0d757-19de-4fd7-8e3e-f61740a3a1f0 01:00:12.714 --> 01:00:14.306 It was, I think, NOTE Confidence: 0.9385468 f697844d-4818-42cc-93f1-044abe0b6ed2 01:00:14.306 --> 01:00:15.858 the financial institutions risk NOTE Confidence: 0.9385468 d05b1c8d-341c-472d-9c85-a8105ddbfcd6 01:00:15.858 --> 01:00:17.622 management cause was was probably NOTE Confidence: 0.9385468 645c4903-bdb5-4840-a6e2-a2da9e745fb8 01:00:17.622 --> 01:00:20.605 the one that was the 1st and it was NOTE Confidence: 0.9385468 a53d5888-ada4-46d8-ab81-1d5edafe367a 01:00:20.605 --> 01:00:23.337 the one that I think could be going. NOTE Confidence: 0.9385468 13bfe6bf-8372-449e-ad91-3a8b20ea0a6b 01:00:23.337 --> 01:00:26.410 OK, let me let me just uhm, NOTE Confidence: 0.9385468 92daa22b-c6c0-4974-acc3-183966b81eca 01:00:26.410 --> 01:00:29.180 present a perspective from from NOTE Confidence: 0.9385468 9e0eac4b-2780-4864-bcb2-009e2526a61e 01:00:29.180 --> 01:00:31.396 our side as providers. NOTE Confidence: 0.9385468 77c64a59-b3e0-46b4-8cf6-7942c507f8ea 01:00:31.400 --> 01:00:33.602 I think when you return to NOTE Confidence: 0.9385468 5f6b89c3-f83d-431d-b519-ba5b44e1e3a9 01:00:33.602 --> 01:00:36.139 learning in this kind of a program, NOTE Confidence: 0.9385468 c5bc9991-f2d3-413e-b95b-3fd57d1a30f6 01:00:36.140 --> 01:00:37.826 which is perhaps very different to NOTE Confidence: 0.9385468 4eeb3f6a-6900-40e0-9598-d30d0d301a42 01:00:37.826 --> 01:00:39.769 things that you have learned before, NOTE Confidence: 0.9385468 834a6100-53b2-433b-b8a5-e0ee84bc11e3 01:00:39.770 --> 01:00:43.158 utter a qualification at a degree level, NOTE Confidence: 0.9385468 c0c5c6b9-6d75-4233-beb4-79848b1d8b71 01:00:43.160 --> 01:00:44.606 you're balancing work, NOTE Confidence: 0.9385468 d7753f04-b07d-4ccb-9634-8cec470a0db2 01:00:44.606 --> 01:00:46.534 you're balancing social life NOTE Confidence: 0.9385468 597614ff-5b1e-48a1-993b-471dd7f33f0a 01:00:46.534 --> 01:00:47.980 and family responsibilities. NOTE Confidence: 0.9385468 efd9499b-c2bc-4aa8-abfb-0df47f5f3440 01:00:47.980 --> 01:00:49.460 And you go wow studying. NOTE Confidence: 0.9385468 5a731dc3-08c5-42d7-b0b4-eed789e540fb 01:00:49.460 --> 01:00:50.600 What's it gonna be like? NOTE Confidence: 0.9385468 9f821939-dab3-4e01-8a33-3ee5649b2a72 01:00:50.600 --> 01:00:52.539 Is it gonna be full of theory NOTE Confidence: 0.9385468 ca0b7f7f-d008-4e1d-bf7a-c7d771695500 01:00:52.539 --> 01:00:54.590 and of no relevance to me? NOTE Confidence: 0.9385468 8d52e771-7c8e-480a-a492-ad4cb7e77f5c 01:00:54.590 --> 01:00:56.050 I'm not gonna be managed. NOTE Confidence: 0.9385468 36fd945b-0292-4a8a-aedd-30e8a211396b 01:00:56.050 --> 01:00:57.586 I'm not going to be able NOTE Confidence: 0.9385468 63dd8034-3e89-49da-a855-e05912c7e3b7 01:00:57.586 --> 01:00:58.610 to achieve the balance, NOTE Confidence: 0.9385468 1f7deca8-6eaa-4eda-af16-9e839aefab82 01:00:58.610 --> 01:01:00.790 and therefore regardless of the NOTE Confidence: 0.9385468 c19dc704-087b-44eb-b2ec-bb25b3055a5b 01:01:00.790 --> 01:01:02.970 topic that Andrew as mentioned, NOTE Confidence: 0.9385468 bee04699-4787-4b46-85b4-d0e024c8bb69 01:01:02.970 --> 01:01:04.762 and he's said that a couple of NOTE Confidence: 0.9385468 165eb9cc-0d86-4738-9768-86920b755550 01:01:04.762 --> 01:01:06.404 times because of course the time NOTE Confidence: 0.9385468 cdc32d7e-3fff-4a9d-9297-ae9a7b1a2726 01:01:06.404 --> 01:01:08.160 that he was studying was reasonably NOTE Confidence: 0.9385468 5e8bb779-0bb7-4b6e-af46-10a43e8e1eff 01:01:08.160 --> 01:01:10.110 shortly after the financial crisis. NOTE Confidence: 0.9385468 6a8bbb6f-b699-4e29-9503-606ec7e2af52 01:01:10.110 --> 01:01:11.268 How do you manage risk there? NOTE Confidence: 0.9385468 321d37c5-985a-4cd1-80e3-3cdd614f04a7 01:01:11.270 --> 01:01:13.951 But I think many students say to NOTE Confidence: 0.9385468 ce520bbd-7d2d-4d10-8e86-274d16b451f8 01:01:13.951 --> 01:01:15.954 me in my role as academic director NOTE Confidence: 0.9385468 2b9c9130-dcb8-44d9-ade1-e2e4e0142875 01:01:15.954 --> 01:01:17.790 when I come on the program. NOTE Confidence: 0.9385468 f58517df-c0e9-47fd-8448-9c09966f2e4a 01:01:17.790 --> 01:01:20.190 My first semester modules give NOTE Confidence: 0.9385468 105d0051-363e-455b-a47f-29f4e3427275 01:01:20.190 --> 01:01:22.590 me a feeling of confidence. NOTE Confidence: 0.9385468 a2ed9438-0fdc-47cd-bfa4-3d7464100e9f 01:01:22.590 --> 01:01:24.576 Yes, I can learn from this. NOTE Confidence: 0.9385468 84f060c4-044e-44d0-85f8-f75802f9f65c 01:01:24.580 --> 01:01:26.168 It isn't true theoretical. NOTE Confidence: 0.9385468 00778d97-89f2-493a-8c74-a6094f1e0e3e 01:01:26.168 --> 01:01:28.920 There's elements of application and you know, NOTE Confidence: 0.9385468 9b8049f7-f80b-425f-bc16-e0daccd661a1 01:01:28.920 --> 01:01:30.318 I think I can do this. NOTE Confidence: 0.9385468 b3cfce15-3520-4d0a-9720-f0db80ab81a0 01:01:30.320 --> 01:01:34.744 Last year was the Seabob's 10th anniversary. NOTE Confidence: 0.9385468 0ebf3305-9631-4700-8492-0e85173028cf 01:01:34.750 --> 01:01:35.906 The tagline we used. NOTE Confidence: 0.9385468 4ac81a3e-1bf1-4194-8117-332870635573 01:01:35.906 --> 01:01:38.080 It's always good to have A tag NOTE Confidence: 0.9385468 ce886c81-923c-4c0f-b8df-11ec6771803c 01:01:38.080 --> 01:01:39.930 line just like over Andrews NOTE Confidence: 0.9385468 3a16f3be-8a2b-4a21-a013-f069afc44756 01:01:39.930 --> 01:01:41.410 left shoulder digital power. NOTE Confidence: 0.9385468 15d85322-3a6a-48d2-af29-ce7af861b635 01:01:41.410 --> 01:01:45.090 Our tagline was one program. NOTE Confidence: 0.9385468 b32dd798-651d-4572-837f-673c6d88d0ac 01:01:45.090 --> 01:01:47.942 10 years self explanatory. NOTE Confidence: 0.9385468 497e506d-ac38-4833-b2fe-f09db8742163 01:01:47.942 --> 01:01:49.368 100 countries, NOTE Confidence: 0.9385468 2988e536-6c76-409b-8f0c-34dc9122a8ec 01:01:49.370 --> 01:01:50.148 1000 students. NOTE Confidence: 0.9385468 ba875c1d-117e-46ca-94cc-2fe6e1743276 01:01:50.148 --> 01:01:52.871 So many of those will have been NOTE Confidence: 0.9385468 e0368c4d-567c-4ff8-a385-512f3f21344c 01:01:52.871 --> 01:01:55.587 quite nervous coming on the program. NOTE Confidence: 0.9385468 30fe99cb-b14b-48df-a230-11ad123cadb1 01:01:55.590 --> 01:01:57.060 Is it for me we like oak. NOTE Confidence: 0.9385468 c6512ce8-088f-4bc4-9432-f8483e0a6d8d 01:01:57.060 --> 01:01:58.410 Will I get to the end of a module? NOTE Confidence: 0.9385468 6e4f3c44-baa0-40ee-be90-0cfd32658cf4 01:01:58.410 --> 01:02:00.327 Will I get to the end of a program NOTE Confidence: 0.9385468 48c68fa8-eb69-41e9-9d1d-fb3ecfd54d85 01:02:00.330 --> 01:02:03.242 and picking up on some other things NOTE Confidence: 0.9385468 5210cb36-2296-40c9-85f2-9330758edab3 01:02:03.242 --> 01:02:05.388 that Andrew has said that he said NOTE Confidence: 0.9385468 b94af6eb-8050-4411-9b05-441061aa3ddd 01:02:05.388 --> 01:02:08.327 he found the not just the firm but NOTE Confidence: 0.9385468 b4a49f18-b017-42e6-b311-5687492db4f2 01:02:08.327 --> 01:02:10.043 other firm financial institution NOTE Confidence: 0.9385468 f7cc6243-000d-4b6d-9630-c14955fb1cd2 01:02:10.043 --> 01:02:10.901 risk management, NOTE Confidence: 0.9385468 80a8e915-ea0c-4b46-afa1-408a87ba3e64 01:02:10.910 --> 01:02:13.838 but the program he could apply NOTE Confidence: 0.9385468 fceab737-832e-48d5-9ccf-e07df000f29e 01:02:13.838 --> 01:02:16.380 it pretty quickly in whilst he NOTE Confidence: 0.9385468 88b59404-4995-4d25-bd1f-a15a173b099a 01:02:16.380 --> 01:02:18.020 was still studying and. NOTE Confidence: 0.9385468 b8ca59f0-7db0-4942-8eee-fde1f826ddcf 01:02:18.020 --> 01:02:22.220 There afterwards, uhm? Now then. NOTE Confidence: 0.9385468 f313e5f6-f449-406a-b076-2f770b34ec36 01:02:22.220 --> 01:02:24.326 I know you're a busy person. NOTE Confidence: 0.9385468 cb4ec3d8-0f2c-451b-8d8a-9bf2ad88cea2 01:02:24.330 --> 01:02:26.598 I mean, I just add to that. NOTE Confidence: 0.9385468 f4fc5949-18f6-4558-a3c0-685f39b62ace 01:02:26.600 --> 01:02:28.084 Yes, congratulations to you, NOTE Confidence: 0.9385468 7499b38c-edcd-41f6-b43c-c116a155dde4 01:02:28.084 --> 01:02:31.180 the team and to all of us who've NOTE Confidence: 0.9385468 37d52404-08c2-44fe-940e-893e3ca89ee7 01:02:31.180 --> 01:02:33.155 studied in the CBFC program. NOTE Confidence: 0.9385468 f90e896a-6b36-41d9-96f8-c7ece3bbf47d 01:02:33.160 --> 01:02:37.129 I think we we're very proud of the program. NOTE Confidence: 0.9385468 e31e46ba-225d-411e-8d7f-d1c1ca98c360 01:02:37.130 --> 01:02:39.895 It's it's been a an outstanding program, NOTE Confidence: 0.9385468 ef846a5c-4fce-4f28-8955-9fff7f4bdba9 01:02:39.900 --> 01:02:40.217 uh, NOTE Confidence: 0.9385468 61fef155-5965-47ac-848d-1702c93a4ba3 01:02:40.217 --> 01:02:43.070 for for for many of us in terms of NOTE Confidence: 0.9385468 96c511c4-0e87-4dc5-b67b-919743916cb5 01:02:43.155 --> 01:02:46.908 having studied it and and and gained from it, NOTE Confidence: 0.915763409 4cb4d06d-0e8f-4473-83d2-886999b217ba 01:02:46.910 --> 01:02:48.510 I think it's important to NOTE Confidence: 0.915763409 5f4971ab-b121-4f8b-947e-f0396e6ae9ca 01:02:48.510 --> 01:02:50.110 also say couple of things. NOTE Confidence: 0.915763409 b74774ac-f5fb-41f5-a2fa-141ce6e912d4 01:02:50.110 --> 01:02:53.736 Number one. I think the team at. NOTE Confidence: 0.915763409 6e2655e1-f99d-441c-bb0a-26f30657dded 01:02:53.740 --> 01:02:56.557 Bangor the CB MBA program Lisa and and and NOTE Confidence: 0.915763409 eb7b155e-85bd-4831-af4d-84279ac7a158 01:02:56.557 --> 01:02:59.644 and the rest of the team are absolutely NOTE Confidence: 0.915763409 7206b32d-0f50-433d-b2b7-30bd7c5d470b 01:02:59.644 --> 01:03:03.676 outstanding in terms of being available. NOTE Confidence: 0.915763409 e92edd0d-ef15-436e-ae69-dd7669bd54c9 01:03:03.680 --> 01:03:06.125 Answering any questions you have NOTE Confidence: 0.915763409 af8a1148-47dd-4f56-997a-4f2851cad4e2 01:03:06.125 --> 01:03:09.000 and making life easy for you. NOTE Confidence: 0.915763409 3e25a2ee-e276-4794-b801-ecc6d17f4242 01:03:09.000 --> 01:03:10.540 This there's a. There's a. NOTE Confidence: 0.915763409 080a1b76-b0bd-4922-a2d7-f6058af53a6a 01:03:10.540 --> 01:03:12.460 There's a very strong recognition, NOTE Confidence: 0.915763409 ce88a663-592a-4b9a-92c6-118aee311855 01:03:12.460 --> 01:03:16.132 and I sensed it all along the the strong NOTE Confidence: 0.915763409 1f606dd7-73ca-48c4-8b58-4990bc9644c3 01:03:16.132 --> 01:03:18.510 recognition of the fact that it's not NOTE Confidence: 0.915763409 8505c154-ab1b-4a34-a2e2-afe484c141fa 01:03:18.510 --> 01:03:21.497 easy on you to study in the program. NOTE Confidence: 0.915763409 3a6336d0-2c26-4b56-a965-aabe8788f69e 01:03:21.500 --> 01:03:23.444 And I and I think that they go NOTE Confidence: 0.915763409 7dd83bbb-bbe4-4f7c-8fb7-adb38c8d6fc9 01:03:23.444 --> 01:03:25.390 out of their way to make it. NOTE Confidence: 0.915763409 ef77169d-ecdd-40a8-b1bb-e190d5488940 01:03:25.390 --> 01:03:27.714 Possible for you to have the best NOTE Confidence: 0.915763409 4c9e7526-c32e-426d-b6ba-5fc06831dca5 01:03:27.714 --> 01:03:29.902 experience and and for me I think NOTE Confidence: 0.915763409 0cfee704-f1c5-4e77-b9fb-9a1e4279b615 01:03:29.902 --> 01:03:31.999 that's that's with you and as we NOTE Confidence: 0.915763409 d487b402-3428-4c00-a04f-e23a7f5ac1fd 01:03:31.999 --> 01:03:34.088 celebrate the 10th year, I think. NOTE Confidence: 0.915763409 222ac71a-5d25-4a37-990a-e6c06af177f4 01:03:34.088 --> 01:03:36.566 Congratulations to them and and and well NOTE Confidence: 0.915763409 57899ea2-0e49-467b-b158-73261bee842d 01:03:36.566 --> 01:03:39.485 done how far they've come with the program. NOTE Confidence: 0.915763409 e20eba30-9b51-43dd-8133-0afa32986425 01:03:39.490 --> 01:03:40.590 Great, well thanks for that, NOTE Confidence: 0.915763409 671a5b58-6b79-4cdf-b9b0-296c073ea82c 01:03:40.590 --> 01:03:42.788 but of course a program is only NOTE Confidence: 0.915763409 89d7ac58-168f-4c7b-a1a1-0160e1e41c32 01:03:42.788 --> 01:03:45.087 successful based on its students as well. NOTE Confidence: 0.915763409 e7884c36-d48e-4a26-a378-e53d6e52201c 01:03:45.090 --> 01:03:47.890 So it requires content it requires lecturers. NOTE Confidence: 0.915763409 f6add09f-bbfd-4f8e-a27f-56080abc2ada 01:03:47.890 --> 01:03:50.194 It requires the admin team, uh, NOTE Confidence: 0.915763409 29f2c9ef-ba88-4887-8f4f-cb4fd084a3ff 01:03:50.194 --> 01:03:52.138 the IT team because we we're NOTE Confidence: 0.915763409 317d755f-d4bb-4006-86c2-15e179685652 01:03:52.138 --> 01:03:53.650 offering this program blended. NOTE Confidence: 0.915763409 37a27202-aa08-4965-a3b9-9d62642f6cc6 01:03:53.650 --> 01:03:55.309 It requires students who pick up the NOTE Confidence: 0.915763409 222c58c4-c966-4b68-b013-9a760a8aad10 01:03:55.309 --> 01:03:57.326 ball and run with it who are committed? NOTE Confidence: 0.915763409 344ee24d-7c7e-43f2-8f00-14a5ca4ffef0 01:03:57.330 --> 01:03:58.730 Who tell others about it. NOTE Confidence: 0.915763409 44e078e7-6d13-488c-bbd0-33816aaf8969 01:03:58.730 --> 01:04:02.377 I was about to say now being busy people. NOTE Confidence: 0.915763409 0e752fb5-8429-45c4-850c-e3fc60992f25 01:04:02.377 --> 01:04:04.881 I was going to close with a question that NOTE Confidence: 0.915763409 c0e8e660-59ca-49d4-9d88-b4a195d62067 01:04:04.881 --> 01:04:07.401 asked about how you usually plan your day. NOTE Confidence: 0.915763409 999fbf4c-8e29-42ff-a6a0-0559a724e8df 01:04:07.410 --> 01:04:10.016 But before you answer that one, I'm drew. NOTE Confidence: 0.915763409 c42493f5-c37d-4182-8ad1-01836edb75cd 01:04:10.016 --> 01:04:14.344 A question sneaked in that said, Uhm, uh, NOTE Confidence: 0.915763409 4633a516-7d09-4ba4-bdfd-2663de6dbef8 01:04:14.344 --> 01:04:17.438 I hope I pronounce the name correctly. NOTE Confidence: 0.915763409 01573dcd-8a51-4050-9e9c-438f28a0df1e 01:04:17.440 --> 01:04:18.424 Goni Maswabi, NOTE Confidence: 0.915763409 691df789-e56a-41de-ba0c-dd60187a53df 01:04:18.424 --> 01:04:21.376 who says I live in Gaborone, NOTE Confidence: 0.915763409 ff377ff9-29c5-4ccc-a244-037a6b5c6506 01:04:21.380 --> 01:04:24.300 and I've seen the companies. NOTE Confidence: 0.915763409 be251774-db7c-4129-a945-b370f3c73441 01:04:24.300 --> 01:04:26.491 The word used in the question is NOTE Confidence: 0.915763409 9897793f-c8c2-4bd9-9378-6db8ed45384b 01:04:26.491 --> 01:04:28.340 aggression into the digital space. NOTE Confidence: 0.915763409 6be3f072-4735-4769-8bfb-464e57f26b4f 01:04:28.340 --> 01:04:30.458 It's what we call ruthless execution. NOTE Confidence: 0.915763409 31bea7d8-ecb9-4585-b2d0-9ae1f125427f 01:04:30.460 --> 01:04:32.896 But then he goes on to congratulate NOTE Confidence: 0.915763409 665f45ee-07e5-4bdb-bd09-61f96870fd36 01:04:32.896 --> 01:04:33.244 congratulations, NOTE Confidence: 0.915763409 28ea1401-f65e-4640-b39c-69d2ce4a18f9 01:04:33.250 --> 01:04:35.658 and that admirable leadership. NOTE Confidence: 0.915763409 02e885cc-11fd-4b26-952e-b5600b852c3e 01:04:35.658 --> 01:04:38.245 Uh, only actually participated in the NOTE Confidence: 0.915763409 b755a040-b0a4-40aa-bb3a-cb0b7b0a67ac 01:04:38.245 --> 01:04:40.230 testing of the online application. NOTE Confidence: 0.915763409 53960655-b2ab-4bb2-8714-23fd6a4b7a47 01:04:40.230 --> 01:04:41.666 And enjoyed the experience. NOTE Confidence: 0.915763409 11840e4e-5ebf-45b0-9447-f2629fc4ab4c 01:04:41.666 --> 01:04:45.145 Now we may look at some of those words NOTE Confidence: 0.915763409 ed34a48c-0d13-4f9c-9f1e-f59bb263dcc0 01:04:45.145 --> 01:04:47.635 about aggression in the digital space. NOTE Confidence: 0.915763409 65477ad4-cc9b-4b6c-9809-f35fe931c63e 01:04:47.640 --> 01:04:49.635 There's nothing wrong in my personal view, NOTE Confidence: 0.915763409 3324ae5a-89fa-4f2e-a6b5-a04462197671 01:04:49.640 --> 01:04:52.000 uh, in inappropriate competitiveness NOTE Confidence: 0.915763409 3528c762-473c-455f-8abd-2e9219653864 01:04:52.000 --> 01:04:53.180 and aggression. NOTE Confidence: 0.915763409 af528efe-0831-4818-b713-01680d549a9b 01:04:53.180 --> 01:04:55.700 Otherwise, we all are just very much me too. NOTE Confidence: 0.915763409 a334c4fb-17d9-4d95-810d-cbd93878df48 01:04:55.700 --> 01:04:57.410 We become complacent as some NOTE Confidence: 0.915763409 06eae232-a727-46d9-a520-67a13fde6849 01:04:57.410 --> 01:04:59.120 people in the UK said, NOTE Confidence: 0.915763409 2ed3b075-3d24-4b63-b404-440c7fd5f9f4 01:04:59.120 --> 01:04:59.672 you know, NOTE Confidence: 0.915763409 e279748e-bd6d-4341-a552-0f1195d02c03 01:04:59.672 --> 01:05:01.880 we've got four or five very large banks NOTE Confidence: 0.915763409 9bc6afbd-2665-424e-bfbe-91fd7cdd4668 01:05:01.943 --> 01:05:03.959 and we only make very small changes NOTE Confidence: 0.915763409 1ad20290-cb66-49ac-bc52-29d90856944f 01:05:03.959 --> 01:05:06.459 'cause we don't want to threaten each other. NOTE Confidence: 0.915763409 7ab753b6-c26f-41fc-b754-03bb1e2432fc 01:05:06.460 --> 01:05:08.492 We've all got big market share and you NOTE Confidence: 0.915763409 39ee5018-f775-420d-bc33-2a233101324c 01:05:08.492 --> 01:05:10.739 need people to come in and shake up the tree. NOTE Confidence: 0.915763409 a99a08dc-83f4-4e51-bca4-652bab2590d8 01:05:10.740 --> 01:05:13.218 And when it comes to execution. NOTE Confidence: 0.915763409 f507d2c2-9974-4490-a853-739cb5ca3a24 01:05:13.220 --> 01:05:16.596 Execution the best laid plans don't come NOTE Confidence: 0.915763409 0c3f1664-79ac-424c-a11e-7e0b26cfb1cf 01:05:16.596 --> 01:05:18.804 to fruition unless you execute them. NOTE Confidence: 0.915763409 d84dfc99-9f5f-4b7a-9055-312d9ce07b24 01:05:18.810 --> 01:05:19.624 And yeah, NOTE Confidence: 0.915763409 740c36af-0b36-4816-ae87-a4dbab87367f 01:05:19.624 --> 01:05:22.473 you have to be focused very focused, NOTE Confidence: 0.915763409 29de1290-22f4-4b5e-8b5c-d30d319d10d9 01:05:22.480 --> 01:05:25.152 so I won't ask Andrew to comment on NOTE Confidence: 0.915763409 742228ae-ed4d-496c-b75d-5cad6a2a64ee 01:05:25.152 --> 01:05:27.077 aggression and ruthless execution, NOTE Confidence: 0.915763409 8df6908d-da43-4478-95f1-eef100f729f5 01:05:27.077 --> 01:05:30.780 but thanks for that at that point NOTE Confidence: 0.915763409 e169d79f-5149-4d83-ab2b-03a8f76fcacc 01:05:30.780 --> 01:05:32.100 and then the final thing, NOTE Confidence: 0.915763409 ff4f1805-6b51-407d-9656-07407e3a5d52 01:05:32.100 --> 01:05:36.318 because we've ranged far and wide. NOTE Confidence: 0.915763409 37d3efc5-99e5-4ad4-b33d-82abbc15e374 01:05:36.320 --> 01:05:36.933 Andrew, NOTE Confidence: 0.915763409 cf8f291a-30ca-4806-91f1-cae8389368e2 01:05:36.933 --> 01:05:39.998 thanks to your introduction and NOTE Confidence: 0.915763409 ed9d349e-26ca-46dc-b497-0ea4553189ac 01:05:40.000 --> 01:05:43.400 the answers you've given. NOTE Confidence: 0.915763409 863d28a0-cf23-4028-858b-82dfabd1d6b6 01:05:43.400 --> 01:05:47.288 With technology, the world for customers, NOTE Confidence: 0.915763409 49b33f9c-9562-4568-a978-14136342ab6b 01:05:47.290 --> 01:05:50.480 the world for companies effectively NOTE Confidence: 0.915763409 2dce380b-af81-4a3f-944d-16e8054ba61f 01:05:50.480 --> 01:05:51.520 becomes 24/7. NOTE Confidence: 0.915763409 fe14ee81-c8ef-4620-9f49-455ab2cbc36f 01:05:51.520 --> 01:05:53.920 We now have students who send NOTE Confidence: 0.915763409 e15c41f4-fe0d-4fa0-9f17-6ba29dd96254 01:05:53.920 --> 01:05:55.936 dumb questions and expect answers, NOTE Confidence: 0.915763409 9486dac8-e224-49c5-a0f9-d5b1b3c2a113 01:05:55.936 --> 01:05:58.360 even if there's different time zones. NOTE Confidence: 0.915763409 ca41a76d-89d2-43b1-90a6-d0a68ece4749 01:05:58.360 --> 01:06:00.896 Like you know, well, you know there is. NOTE Confidence: 0.870084544 759114c7-37d1-4fe7-a268-eb7c84fdc962 01:06:00.900 --> 01:06:03.050 We all need a little bit of a rest sometimes, NOTE Confidence: 0.870084544 7361182c-5c08-42cd-ad3d-79e8ca285f19 01:06:03.050 --> 01:06:06.179 and there is time to collect information. NOTE Confidence: 0.870084544 dfe02287-1de3-4116-9bde-3314da270f65 01:06:06.180 --> 01:06:07.790 How do you usually plan NOTE Confidence: 0.870084544 e3d836dd-b26e-4750-b9dc-3c558b653310 01:06:07.790 --> 01:06:09.400 your day be seeker Jessie? NOTE Confidence: 0.870084544 093e1ab4-e38f-40c7-b19d-6705edb16e01 01:06:09.400 --> 01:06:10.564 Jessie J Beseke asks, NOTE Confidence: 0.870084544 da76820f-b44b-46c8-9882-b460e49086d9 01:06:10.564 --> 01:06:12.721 how do you usually plan your day NOTE Confidence: 0.870084544 cb5b9284-96c1-4b27-b77b-1830076d2bb9 01:06:12.721 --> 01:06:14.466 to ensure you're productive and. NOTE Confidence: 0.870084544 fea5656f-e117-42d6-80c4-deca55457a6a 01:06:14.470 --> 01:06:15.954 Efficient you're you've said NOTE Confidence: 0.870084544 6025e859-1974-4ebf-8054-81f9e64dc0d5 01:06:15.954 --> 01:06:18.420 that one of your key, UM? NOTE Confidence: 0.870084544 98c270f3-f170-4e09-acb7-e6d20984ee2f 01:06:18.420 --> 01:06:20.860 Strength as an organization NOTE Confidence: 0.870084544 fd678707-0bdb-4bfd-b0b5-24918de1da40 01:06:20.860 --> 01:06:22.690 is digital platforms. NOTE Confidence: 0.870084544 ed610583-c535-4eaf-9e06-5f252384a3c3 01:06:22.690 --> 01:06:24.936 I think you said earlier 80% of NOTE Confidence: 0.870084544 d570153b-31bc-457c-8918-e4f734e8d12c 01:06:24.936 --> 01:06:26.634 your customers are our our digital NOTE Confidence: 0.870084544 f87c1d9b-859f-4795-ad8d-76b7e0ee985b 01:06:26.634 --> 01:06:28.544 now just trying to build some NOTE Confidence: 0.870084544 d6fb2295-91ee-4532-a247-6d09d9087708 01:06:28.544 --> 01:06:30.149 links from the earlier things. NOTE Confidence: 0.870084544 334c577a-96ee-4bc5-aacf-f099407342f5 01:06:30.150 --> 01:06:31.122 But how do you? NOTE Confidence: 0.870084544 2961691c-16a0-4d73-90e9-c8742edeb606 01:06:31.122 --> 01:06:33.189 How can you be there all the time? NOTE Confidence: 0.870084544 c74636b3-e3e1-4b37-a8ba-54b2dd553e35 01:06:33.190 --> 01:06:34.945 I know technology it's often NOTE Confidence: 0.870084544 73d1ccfd-14ef-4d93-9a2d-9481ae7e3371 01:06:34.945 --> 01:06:36.349 said can run itself, NOTE Confidence: 0.870084544 3bee6317-3c35-46c0-91f8-f687ff0a4ae6 01:06:36.350 --> 01:06:37.634 but we need to switch off NOTE Confidence: 0.870084544 597f937b-edf7-4dfd-bc1e-a7947d5df9b7 01:06:37.634 --> 01:06:38.950 all of us as humans. NOTE Confidence: 0.870084544 3a7833f9-5b46-4a48-ab0f-e7537ea09b7f 01:06:38.950 --> 01:06:41.379 Any thoughts that you can share about NOTE Confidence: 0.870084544 8abe13b1-b7e7-494c-afde-cbbd8f527f60 01:06:41.379 --> 01:06:44.204 being so focused on technology and yet NOTE Confidence: 0.870084544 d5b50c4a-31a7-4e47-8c4f-220f215d6d74 01:06:44.204 --> 01:06:46.784 being productive and efficient and effective? NOTE Confidence: 0.870084544 3460e460-8646-4317-bfc2-b5f3057bbf28 01:06:46.790 --> 01:06:48.930 Right? NOTE Confidence: 0.870084544 6f80ec02-8dcd-4a22-8a31-e1dff3504869 01:06:48.930 --> 01:06:50.250 Yeah, first of all Steven. NOTE Confidence: 0.870084544 bd26fea7-40a3-475c-8d21-d0f48b6e7234 01:06:50.250 --> 01:06:51.972 If if I may just to slip NOTE Confidence: 0.870084544 2d8d1541-5b22-4e16-8244-0ff3f7b3b0fc 01:06:51.972 --> 01:06:53.400 in the fact that too. NOTE Confidence: 0.870084544 37da7f01-51b3-4f4f-89c1-d7d91299fded 01:06:53.400 --> 01:06:56.220 Thanks to honey. NOTE Confidence: 0.870084544 6b8b6aa5-fd3f-4f00-8b1b-240124973fa6 01:06:56.220 --> 01:06:59.060 Or participating in in the NOTE Confidence: 0.870084544 18359717-50e0-443a-aa7d-e6658685fa37 01:06:59.060 --> 01:07:00.600 testing of the application in NOTE Confidence: 0.870084544 f1170fa7-8369-4934-bdc1-0f6eabad6386 01:07:00.600 --> 01:07:02.614 that it was a number of people. NOTE Confidence: 0.870084544 b61a3ebf-7e8a-4f8e-be37-9ad79747bea9 01:07:02.614 --> 01:07:04.842 Did that and we want to say thank NOTE Confidence: 0.870084544 7e8fe57a-2de1-45cf-92d0-c3b130c1975c 01:07:04.842 --> 01:07:08.430 you to them on on the issue of. NOTE Confidence: 0.870084544 02f0b429-54e6-4ae8-83e1-03fdc23ff700 01:07:08.430 --> 01:07:10.154 Look, the two things, NOTE Confidence: 0.870084544 9b399342-22aa-4390-a965-ab13630c0a97 01:07:10.154 --> 01:07:12.740 the the fact of the matter NOTE Confidence: 0.870084544 9925b378-58ee-4666-8fd3-e92995d16d30 01:07:12.830 --> 01:07:14.530 is this whole journey for us. NOTE Confidence: 0.870084544 ce63052b-b5ea-4762-9e50-fe2917676990 01:07:14.530 --> 01:07:16.234 The whole transformation journey NOTE Confidence: 0.870084544 75a43561-b5e7-462e-a62c-18420577cefd 01:07:16.234 --> 01:07:18.586 that company has has has really NOTE Confidence: 0.870084544 2ab2403e-ec40-47f3-af1a-8a01778453f2 01:07:18.586 --> 01:07:21.268 bound really sucked in and I and NOTE Confidence: 0.870084544 843a3fa2-0650-4e92-995e-dc6678de1b6b 01:07:21.268 --> 01:07:23.746 I will be honest about the fact NOTE Confidence: 0.870084544 6822f794-ec26-45b6-affc-a031bf7a73cc 01:07:23.746 --> 01:07:25.954 that we barely want to switch off NOTE Confidence: 0.870084544 5b810ffb-b3cc-4564-b377-7c05aa91a173 01:07:25.954 --> 01:07:27.659 because it's so exciting for us. NOTE Confidence: 0.870084544 73dbd4bd-a5e3-499f-b7b1-03ff98d06e23 01:07:27.660 --> 01:07:30.710 It's it's absolutely the truth. NOTE Confidence: 0.870084544 e9f1e1ad-c78e-4815-9f08-e8c1242cd37e 01:07:30.710 --> 01:07:32.170 But what I have learned, NOTE Confidence: 0.870084544 b9c61a7a-c80c-40ad-bcfd-99a642190430 01:07:32.170 --> 01:07:34.240 and yesterday we're having some NOTE Confidence: 0.870084544 088eb98f-9734-4da1-8d25-fe4d225c99e9 01:07:34.240 --> 01:07:36.872 discussions with one of our external NOTE Confidence: 0.870084544 9ea35446-b5ec-4b00-9f9e-ef4d7eeeb141 01:07:36.872 --> 01:07:39.818 facilitators and we talked about pulses. NOTE Confidence: 0.870084544 b0a7e7c2-56f4-4723-974f-353abd8c955d 01:07:39.820 --> 01:07:42.315 And it is quite important NOTE Confidence: 0.870084544 158b6d06-97f9-4417-a021-31bb207fb7ef 01:07:42.315 --> 01:07:44.810 that we find the moments. NOTE Confidence: 0.870084544 b013d2c6-f4b5-425d-b803-d03d62ba78f1 01:07:44.810 --> 01:07:46.502 What I have found is happened NOTE Confidence: 0.870084544 62d8495b-abc4-4438-bd51-98b035093233 01:07:46.502 --> 01:07:48.764 to me is I have shorten the NOTE Confidence: 0.870084544 531ef1ba-532d-497b-abbe-efa044bb8331 01:07:48.764 --> 01:07:51.360 number of hours I sleep at night. NOTE Confidence: 0.879956865833333 131b5e68-f35a-4139-b521-2bda02cdb412 01:07:53.550 --> 01:07:56.609 But I I'm finding ways to create NOTE Confidence: 0.879956865833333 df24a32a-fa15-413f-9f73-424bb07ee35d 01:07:56.609 --> 01:07:58.679 short pauses during the day. NOTE Confidence: 0.939358775 b18afb48-0492-45f4-a6e7-c77cc1f2963f 01:08:01.230 --> 01:08:03.454 Typically my day is made up of a NOTE Confidence: 0.939358775 d47da35c-3c33-47fd-ab5f-296691925fbf 01:08:03.454 --> 01:08:05.845 lot of meetings in the daytime and NOTE Confidence: 0.939358775 591fe74e-7fe1-42e4-8f11-c9961a6d10e9 01:08:05.845 --> 01:08:08.108 then a lot of conversations after NOTE Confidence: 0.939358775 d84aa58f-7a1f-4c30-8cf6-7805f37f80a2 01:08:08.108 --> 01:08:10.226 a certain time in the evenings. NOTE Confidence: 0.939358775 0d621b9c-c3e9-4709-86de-8bf384fc7f3a 01:08:10.230 --> 01:08:12.579 When I go a little bit into late to NOTE Confidence: 0.939358775 478601a0-647f-4f29-93c8-c3bbc099b51a 01:08:12.579 --> 01:08:15.798 the late hours, but between the two, NOTE Confidence: 0.939358775 3a20c3ec-6f06-41c7-adf6-be9f99c8ba3c 01:08:15.798 --> 01:08:18.638 either at lunchtime or just after the NOTE Confidence: 0.939358775 24fc946f-85f8-4eb7-95c5-f1ca29f154ee 01:08:18.638 --> 01:08:21.710 the end of the the day late afternoon, NOTE Confidence: 0.939358775 5ccc892c-2577-4ca0-8f93-541068cbf70d 01:08:21.710 --> 01:08:24.935 I will spend some time just being alone NOTE Confidence: 0.939358775 b1de910e-5e7a-48ed-9b46-f2975cfe8125 01:08:24.935 --> 01:08:27.905 by myself talking to something else NOTE Confidence: 0.939358775 302e8b1f-f19c-448a-9ac0-4566fef74857 01:08:27.905 --> 01:08:31.560 somebody else or going to sit by my. NOTE Confidence: 0.939358775 8ef17124-7e0c-440d-9fe5-ea8987d820bf 01:08:31.560 --> 01:08:33.994 My my lovely wife just you know, NOTE Confidence: 0.939358775 7b459503-acb2-414c-9bbc-b586bfab1357 01:08:33.994 --> 01:08:35.572 talk about something else that just NOTE Confidence: 0.939358775 23499104-b516-49f4-971f-88c7e2b9a71a 01:08:35.572 --> 01:08:37.300 moves me away from what I have to do. NOTE Confidence: 0.939358775 da52cae8-f6d2-4c7b-b6c2-90f7473360da 01:08:37.300 --> 01:08:38.460 That's one of the advantages NOTE Confidence: 0.939358775 01e375ce-9005-47d7-b939-2b282c9e2201 01:08:38.460 --> 01:08:39.620 sometimes of working from home. NOTE Confidence: 0.939358775 3c048944-d79a-4415-8585-07df285b176f 01:08:39.620 --> 01:08:42.641 If I'm in the office then I'll NOTE Confidence: 0.939358775 8f96d0df-edba-4199-8e62-e2ddb28d8c13 01:08:42.641 --> 01:08:45.028 take a walk or have a conversation NOTE Confidence: 0.939358775 0f1831a6-2a13-4cc6-bd33-fa9ff7ba55b1 01:08:45.028 --> 01:08:46.958 about something with somebody else. NOTE Confidence: 0.939358775 0202bbdd-f1b2-4707-87ec-ef065f2b9171 01:08:46.960 --> 01:08:48.760 For those of you who may be pained by this, NOTE Confidence: 0.939358775 472feffc-9587-4956-94b2-63676aad9f71 01:08:48.760 --> 01:08:51.082 but I'm an Arsenal fan and we're having a NOTE Confidence: 0.939358775 d3a2326b-1d88-4eee-992e-540f1cf39bc0 01:08:51.082 --> 01:08:53.269 great year so I can talk about somebody. NOTE Confidence: 0.522896851428572 5d7d5940-3f18-46b6-9120-4fa187233169 01:08:55.890 --> 01:08:58.347 I can talk about Arsenal before too. NOTE Confidence: 0.522896851428572 58247105-9100-43ab-9b9d-1751b5ab3cb8 01:08:58.350 --> 01:08:59.764 It gives me a lot of joy, NOTE Confidence: 0.522896851428572 ffc2cabf-ae83-4abf-a57b-9e270fadb535 01:08:59.770 --> 01:09:02.188 but the the the the the. NOTE Confidence: 0.522896851428572 d6b7e8a4-541e-47ac-a37e-9037c78c1ed8 01:09:02.190 --> 01:09:04.350 I think the key thing is to be able NOTE Confidence: 0.522896851428572 f5255ed7-a873-405e-b1e1-3685ab3335ec 01:09:04.350 --> 01:09:06.526 to find those moments where you NOTE Confidence: 0.522896851428572 46ea130d-ae1f-4f99-a0c9-13c6911d6ee8 01:09:06.526 --> 01:09:08.366 can actually get within yourself. NOTE Confidence: 0.522896851428572 23eb3270-9dcd-4d51-9e92-7a22f80431c1 01:09:08.370 --> 01:09:11.850 Refresh and video and I think that is NOTE Confidence: 0.522896851428572 fdcfc3a8-c75d-4f58-ac27-c22985445366 01:09:11.850 --> 01:09:14.514 for me a powerful way of doing this. NOTE Confidence: 0.799277642 f5ccbf4a-75f6-41ed-95f3-ca3fb27b8892 01:09:16.580 --> 01:09:20.488 As my daughter does I I have also in my time NOTE Confidence: 0.799277642 bea1f844-25cb-49b9-9e13-0ae0db3c5f32 01:09:20.488 --> 01:09:24.116 being a bit of a preacher so I get some time NOTE Confidence: 0.799277642 63c5c930-5f84-4c1f-a748-573c1edf6d01 01:09:24.116 --> 01:09:27.290 to reflect and meditate on those things. NOTE Confidence: 0.799277642 dd3a8302-13c8-4ecd-a247-a53e56d4200b 01:09:27.290 --> 01:09:29.621 Right, and we we we were doing so well NOTE Confidence: 0.799277642 693c613f-a68f-4c4f-8dcc-8ab6e4ab9d59 01:09:29.621 --> 01:09:33.600 until you brought football into it, Andrew. NOTE Confidence: 0.799277642 8ee332b3-cd13-425a-87cb-6319d3d4f9b4 01:09:33.600 --> 01:09:34.980 No, no no no. Don't worry, NOTE Confidence: 0.799277642 a41f8998-ca78-4f9c-83cf-669d548af49f 01:09:34.980 --> 01:09:36.753 I knew the risk but I I decided that NOTE Confidence: 0.799277642 17ec70e4-6050-44b1-a37a-847cd5485527 01:09:36.753 --> 01:09:38.812 there's a calculated one, so I'll take it. NOTE Confidence: 0.799277642 86bb7b15-da06-4201-8cd5-07eb6cc8b114 01:09:38.812 --> 01:09:41.356 Oh oh, you learn that from the from the NOTE Confidence: 0.799277642 1bdfaa32-6cd7-4084-a757-e7f54c951c4f 01:09:41.356 --> 01:09:42.640 institutional risk management as well. NOTE Confidence: 0.799277642 c80847bd-3395-4b0d-9482-60e07dd07c90 01:09:42.640 --> 01:09:45.099 We won't go into that one and it's been. NOTE Confidence: 0.799277642 f1d626d6-254a-4412-b33b-cb78a66c1357 01:09:45.099 --> 01:09:46.857 It's been great talking to you. NOTE Confidence: 0.799277642 acc41cf8-584b-4446-aba0-b08bf047c75b 01:09:46.860 --> 01:09:49.770 It's been good also to to NOTE Confidence: 0.799277642 3ba1aa0e-c5c7-422e-944d-30c72f9eff18 01:09:49.770 --> 01:09:51.225 hear your enthusiasm. NOTE Confidence: 0.799277642 6ca95ac5-353f-4b1f-965c-a03eaa52f019 01:09:51.230 --> 01:09:53.798 It's so exciting we barely want to switch NOTE Confidence: 0.799277642 6fd8761b-fad2-4eff-9393-0cb20fe66932 01:09:53.798 --> 01:09:56.553 off that you said a minute or or two ago. NOTE Confidence: 0.799277642 c695061a-a831-410d-8b2f-652b4b3c8cd6 01:09:56.560 --> 01:09:59.864 That's great and but you need to have NOTE Confidence: 0.799277642 6d70597c-63f8-46a2-98f9-7f6a0b8137e4 01:09:59.864 --> 01:10:02.507 these pauses to refresh and renew. NOTE Confidence: 0.799277642 b619c77c-9859-4fae-80af-7e32a814e259 01:10:02.510 --> 01:10:04.735 There are lots of questions NOTE Confidence: 0.799277642 2d3eb2f6-266a-4a27-8ab1-377b6e369685 01:10:04.735 --> 01:10:06.070 that we've tackled. NOTE Confidence: 0.799277642 99e27a96-e207-4547-b0f2-6394a1905de2 01:10:06.070 --> 01:10:08.126 There are comments like NOTE Confidence: 0.799277642 5be86953-fccb-4914-ba00-63e915bf8c3b 01:10:08.126 --> 01:10:09.668 come great discussion. NOTE Confidence: 0.799277642 ea30beda-7316-4341-89c4-e206beefb402 01:10:09.670 --> 01:10:11.130 I'm excited to start the NOTE Confidence: 0.799277642 925a30f7-bfc4-4dee-9c85-ad2790f0fc79 01:10:11.130 --> 01:10:13.160 CB MB A says 10 oh great. NOTE Confidence: 0.799277642 fbe93470-5579-4037-9879-9e5d0bc54825 01:10:13.160 --> 01:10:15.610 So we Gilbert says I like the NOTE Confidence: 0.799277642 d38fc1d3-5a99-43c9-8d69-1e2f1f61b729 01:10:15.610 --> 01:10:18.587 linkage of the CBMA with industry. NOTE Confidence: 0.799277642 b37470bd-1528-4f91-bb3c-7941cef1205d 01:10:18.587 --> 01:10:22.541 UM somebody laughing there and and NOTE Confidence: 0.799277642 ddd4e6db-cd9a-4b62-9c25-916a1807b069 01:10:22.541 --> 01:10:25.900 presumably a chest is a Chelsea fan. NOTE Confidence: 0.799277642 2450ff04-b0f4-41bf-9b6c-a1a1b5025979 01:10:25.900 --> 01:10:26.742 Oh well, NOTE Confidence: 0.799277642 59778301-3d14-406d-ad3f-59ffb6bedea4 01:10:26.742 --> 01:10:30.110 never mind and UM and plays the tenor NOTE Confidence: 0.799277642 c836aaea-08c1-4efb-b14b-788925310bc1 01:10:30.206 --> 01:10:33.935 saxophone and Oliver says there we are great. NOTE Confidence: 0.799277642 1563007f-d621-40db-b343-f1b60e99ec54 01:10:33.940 --> 01:10:35.420 Thank you very much indeed. NOTE Confidence: 0.799277642 7117e994-a75c-4878-9d9c-7301989a47e0 01:10:35.420 --> 01:10:37.560 There's some other endorsements from NOTE Confidence: 0.799277642 a1e46308-32bf-471b-ba0e-76f6ccd96e6e 01:10:37.560 --> 01:10:40.580 other people who've been on the program, NOTE Confidence: 0.799277642 f5a39c29-ced6-4072-98ad-446ae48f07cb 01:10:40.580 --> 01:10:42.560 but as we draw this to a close Andrew, NOTE Confidence: 0.799277642 63878827-fff1-467e-a8ff-dc96b20f9f00 01:10:42.560 --> 01:10:44.163 I want to thank you very much NOTE Confidence: 0.799277642 6473c4af-087d-43de-b00d-bf3a2d97b555 01:10:44.163 --> 01:10:45.820 for your time for your insight. NOTE Confidence: 0.799277642 d8be514b-c609-46cc-814d-8eaeb3df4847 01:10:45.820 --> 01:10:49.320 For your humor and for your enthusiasm, NOTE Confidence: 0.799277642 68a7d22f-cbeb-4be9-9ed3-bc792079b12c 01:10:49.320 --> 01:10:51.135 not only today, NOTE Confidence: 0.799277642 5fcc8941-47b9-469c-9efb-63da75407614 01:10:51.135 --> 01:10:53.555 and communicating your experience NOTE Confidence: 0.799277642 64590b64-4e60-4e03-b5fb-9dae1bc00fe0 01:10:53.555 --> 01:10:54.765 and enthusiasm. NOTE Confidence: 0.799277642 bebc3d79-42b5-4a6a-8705-c6221c983bdf 01:10:54.770 --> 01:10:56.595 Troops infusing people who are NOTE Confidence: 0.799277642 edcfcecd-1cba-4fb5-ba53-158dc7dda307 01:10:56.595 --> 01:10:58.980 thinking about coming on the program, NOTE Confidence: 0.799277642 2dc34522-85cf-4866-a666-647d0b0f36ae 01:10:58.980 --> 01:11:00.835 and some very practical examples NOTE Confidence: 0.799277642 edceda59-4dcc-4c48-b422-0a73514dc179 01:11:00.835 --> 01:11:01.948 from your side. NOTE Confidence: 0.799277642 ebfeac56-1591-44d3-acf2-1ff31c59eda1 01:11:01.950 --> 01:11:04.055 So thank you very much, Andrew. NOTE Confidence: 0.799277642 7654fba3-6235-4919-8bfc-b8afec7e8c2b 01:11:04.055 --> 01:11:05.420 All the best. NOTE Confidence: 0.799277642 8772075d-eed5-46ca-8c27-cb637d2c08b3 01:11:05.420 --> 01:11:07.240 We'll speak again soon. NOTE Confidence: 0.799277642 53704214-b283-423f-b032-11b28cf64dfe 01:11:07.240 --> 01:11:08.990 Thank you and thank you everyone for NOTE Confidence: 0.799277642 f18da146-84b2-4800-8bc0-2b590477e19a 01:11:08.990 --> 01:11:11.119 joining and we look forward to seeing you. NOTE Confidence: 0.799277642 247ca629-96c1-40fb-b06a-3b1b8f588463 01:11:11.120 --> 01:11:13.381 I'm sure I understand there's a couple NOTE Confidence: 0.799277642 e396b99b-1f21-45b5-a3be-2a622ac6f01d 01:11:13.381 --> 01:11:15.238 of events coming up with Mango. NOTE Confidence: 0.799277642 a6751b9c-efbf-469b-9429-9ca50c4060ba 01:11:15.240 --> 01:11:16.500 One of the things Steven. NOTE Confidence: 0.799277642 34ea1f2d-420b-4796-932e-77dd85a8d798 01:11:16.500 --> 01:11:18.417 If you don't mind me for taking 30 seconds, NOTE Confidence: 0.799277642 df475b53-29c9-489c-8f45-0c9e121578f5 01:11:18.420 --> 01:11:20.908 one of the things that I have regretted NOTE Confidence: 0.799277642 4c2041b1-7a8c-43f0-8352-ab36e21c1710 01:11:20.908 --> 01:11:23.288 the most has been that my inability NOTE Confidence: 0.799277642 fe02ac22-9dbc-46a7-8995-22f45d36c7c3 01:11:23.288 --> 01:11:25.759 to return to Bangor since I finished. NOTE Confidence: 0.799277642 511fbfc6-cbe1-4368-936c-f8c3b5a465d4 01:11:25.760 --> 01:11:28.770 I hear the two events coming up. NOTE Confidence: 0.799277642 d1040f46-dbb2-4c3b-8415-7222056af72b 01:11:28.770 --> 01:11:30.804 I'm definitely so. NOTE Confidence: 0.799277642 1792736f-204b-4ae2-b177-44c0f88b9aab 01:11:30.804 --> 01:11:33.702 I'll say I'll be back. NOTE Confidence: 0.799277642 af4ad0a5-c69c-4130-bb6a-85d049ba2d3f 01:11:33.702 --> 01:11:34.730 Great, OK, NOTE Confidence: 0.799277642 517c5650-62a1-4ac6-bd95-714e5cb5f26a 01:11:34.730 --> 01:11:36.641 so that that requires me that I NOTE Confidence: 0.799277642 f2654f9f-5d9d-497a-b022-e4095674bffb 01:11:36.641 --> 01:11:37.959 respond 'cause everyone is going. NOTE Confidence: 0.799277642 49389e4b-e394-47d9-ac7e-1c4b0e55442f 01:11:37.960 --> 01:11:39.948 What two events is Andrew speaking about? NOTE Confidence: 0.799277642 0eccc67f-e8d9-4c00-b80f-3cb98838aad5 01:11:39.950 --> 01:11:43.346 Well, Andrew is speaking about graduation, NOTE Confidence: 0.799277642 d9e09adc-7c2c-4729-986d-47aefa7e83b6 01:11:43.350 --> 01:11:45.180 which is something we haven't NOTE Confidence: 0.799277642 76c6a861-d6e5-4b5e-a4c5-cba6e90e262f 01:11:45.180 --> 01:11:47.840 been able to do for two years. NOTE Confidence: 0.799277642 17b7bd97-9355-4efa-a4dc-0ad012703038 01:11:47.840 --> 01:11:50.400 So people who have graduated, NOTE Confidence: 0.799277642 42637cba-1e21-47f1-9831-cda3c140a26a 01:11:50.400 --> 01:11:52.194 completed studies and graduated in the NOTE Confidence: 0.799277642 e52a4a59-ee7e-44db-9d2a-52224627087d 01:11:52.194 --> 01:11:54.580 last two years have not been able to come, NOTE Confidence: 0.799277642 303281c6-a01c-4dc4-affe-23c6dd2f3aeb 01:11:54.580 --> 01:11:56.085 but they they will have an opportunity NOTE Confidence: 0.799277642 7914de9f-01d6-4ed4-bc09-cbf10fef5b4e 01:11:56.085 --> 01:11:57.620 to come to Bangor to graduate. NOTE Confidence: 0.799277642 4fb10ce6-6138-4cb4-b8e7-b6b9f910ab6e 01:11:57.620 --> 01:12:00.847 And also we are putting together a NOTE Confidence: 0.799277642 663184c2-992f-4ae2-adec-e87cd2b13ace 01:12:00.847 --> 01:12:03.120 conference probably in September, NOTE Confidence: 0.799277642 30836434-1d0c-495c-85f3-5fefe6899ba2 01:12:03.120 --> 01:12:03.451 but. NOTE Confidence: 0.799277642 083cbb44-5d8f-472b-a3b8-d506b93999d1 01:12:03.451 --> 01:12:05.437 Will be an opportunity for people NOTE Confidence: 0.799277642 108f03b8-0368-41ff-96dd-49a168923718 01:12:05.437 --> 01:12:06.970 to come to Bangor, NOTE Confidence: 0.799277642 86a81c70-950d-42a5-a0f6-5b22ebc4ea1e 01:12:06.970 --> 01:12:08.804 but if you can't come to Bangor NOTE Confidence: 0.799277642 41b5190f-285d-4fc7-baee-9eee1a0eae55 01:12:08.804 --> 01:12:10.457 you can still participate using NOTE Confidence: 0.799277642 5a5ad6dd-1bb7-41dd-a917-d3b01b8bf9bb 01:12:10.457 --> 01:12:12.457 technology and there's a plug. NOTE Confidence: 0.799277642 fbcf20d7-39fb-490d-80f7-e99480d96017 01:12:12.460 --> 01:12:14.485 It's on the left hand side of my screen. NOTE Confidence: 0.799277642 5f146311-7384-40c4-b901-2d00cac271b0 01:12:14.490 --> 01:12:15.906 I don't know which side it's NOTE Confidence: 0.799277642 0943f231-1229-4583-b639-d131c0e81a39 01:12:15.906 --> 01:12:16.850 on yours and our NOTE Confidence: 0.908106065 d5cff29e-720d-4ae9-a22d-59dec48b64e0 01:12:16.905 --> 01:12:17.849 next conversation. NOTE Confidence: 0.908106065 3f4b5149-53cb-491a-8519-d9f4a77fe98e 01:12:17.850 --> 01:12:20.200 The next conversation I'll be having is NOTE Confidence: 0.908106065 3d9355a2-13e2-47fa-98a0-3f6fe781d17c 01:12:20.200 --> 01:12:23.350 with Joseph Hilo Healy of Judo bank, NOTE Confidence: 0.908106065 f385667c-cf5f-45f6-acd0-9edfd1f6bec1 01:12:23.350 --> 01:12:25.558 and I'll just have to check out whether NOTE Confidence: 0.908106065 c5b0b85a-21a2-44df-a38d-49c842cd528a 01:12:25.558 --> 01:12:28.210 or not I have to be an expert in jujitsu, NOTE Confidence: 0.908106065 17ca014d-eac2-465e-9310-247c5966d1b8 01:12:28.210 --> 01:12:30.634 judo, or any other form of martial art. NOTE Confidence: 0.908106065 19581faf-6fd0-496e-824e-051c0b836b85 01:12:30.640 --> 01:12:32.110 I'm sure I want there. NOTE Confidence: 0.908106065 157ba4ea-907b-4c76-88ed-32004e44805d 01:12:32.110 --> 01:12:33.494 We are great, Andrew. NOTE Confidence: 0.908106065 cb402dd4-22fa-41dd-98d1-8da438f5fc2f 01:12:33.494 --> 01:12:34.878 Thank you so much, NOTE Confidence: 0.908106065 4d8484bc-b913-4026-8cc8-b57ca67abc49 01:12:34.880 --> 01:12:36.344 best wishes for the rest of the day. NOTE Confidence: 0.908106065 c1b0c44f-bb82-4cc3-ae4b-9b4d030db9a9 01:12:36.350 --> 01:12:39.292 See you soon. All the best. Cheers now. NOTE Confidence: 0.908106065 50472641-9a2e-44e4-9863-b7b32f8b277c 01:12:39.292 --> 01:12:41.844 Bye bye bye bye and bye bye everybody. NOTE Confidence: 0.908106065 8740fd4b-c67a-4d23-a42b-5a2750866fe2 01:12:41.844 --> 01:12:43.399 Thanks for coming and thanks NOTE Confidence: 0.908106065 83116e0d-7cc3-4992-9021-532443d9b3bc 01:12:43.399 --> 01:12:45.328 to the team for organizing it. NOTE Confidence: 0.908106065 e0ee035a-5b89-4170-ae32-eddc4abb016d 01:12:45.330 --> 01:12:45.994 I think that's probably it with regard to.