24:00

but really, really focused on solving problems for people.

24:02

So many transformations, we joke about this, is like

24:04

somewhere in the middle they forget somebody actually has

24:06

to give a damn about this thing. And so

24:08

the product of it at the end is often

24:10

terrible. No, I love that. And I guess as

24:13

we get closer to trying to get to 100%,

24:15

I know you said we can't actually get there. But

24:18

as we get closer, what do you think financial service

24:20

is going to look like in the future? Yeah, I

24:22

think it will move in the direction of that self

24:24

driving money piece. For me, that's

24:27

the reality, sadly, if I'm honest

24:29

with you, that we're just weird that we like

24:31

talking about this stuff. But

24:33

really, there's a framework we use called Jobs to

24:35

be Done, which is getting down to grips with,

24:38

OK, if you go do research, people will always

24:40

be like, yes. It's like, do you like the

24:42

blue one? Yeah, yeah, I like the blue one.

24:44

Give me my 20 pound Amazon vouchers and let

24:46

me go. But

24:48

the reality really is that most people don't

24:51

care about financial services. They care about what

24:53

it enables them to do. So

24:55

whether it's buy a house or whether

24:58

it's retire or whether it's save for

25:01

their loved ones or whatever that is,

25:03

actually, organizations that I think

25:06

get to that root purpose and tie

25:08

into what it is that people are trying to do,

25:11

help them do that in a simpler way,

25:14

they'll be the ones that have been successful. I'm

25:16

so sad that we have got to the final

25:18

question. I have loved this. And

25:21

it feels like it's been 10 minutes. I

25:23

feel like we've only just started talking and we've really got

25:25

to the end. Thank you so

25:27

much. But I just want to finally, for

25:30

the people at home, people listening, do

25:33

you have any advice, any tips that you can

25:35

give them that you recommend for them if they're

25:37

trying to do digital transformation programs? How

25:39

can they make it a success? Yeah, for sure. I

25:41

mean, whether it's digital transformation or whether it's your

25:44

career or anything. And actually, again, it goes back

25:46

to kind of the sports stuff for me. I

25:48

always say attitude and effort is everything. And

25:51

actually, the thing that I kind of

25:53

find with those things, whether you're starting a

25:55

business, whether you're getting up and going to

25:57

a corporate or whatever, those two things are

25:59

fundamentally. in your control, right? You can control

26:02

your attitude, how you respond to

26:04

the world, and you can control the level of

26:06

effort that you put into those things. So for

26:08

me, that view of well, how do you make

26:10

something successful? Fundamentally, it's just a habit. Do those

26:12

two things every day and good things seem to

26:15

happen. David, thank you so much.

26:17

I just want to say thank you for your

26:19

openness, thank you for your honesty, thank you for

26:21

being amazing. You actually make me proud to say

26:23

I work in financial services. We've come to the

26:26

end, sadly, but guys, make sure you listen back.

26:28

I love David because he's got the amount of

26:30

gems he's spitting. And it's all off the top

26:32

of his head. He hasn't, this is all fresh,

26:34

this is just top of the head. He's actually

26:37

amazing. So thank you so much. Everyone,

26:44

wasn't that amazing? I mean,

26:46

David is absolutely fantastic. And what he's

26:49

doing is amazing. I'll be honest with

26:51

you, when we started, I was thinking,

26:53

what is this digital transformation stuff? What

26:55

is it really? What are we really

26:57

talking about? But by the end, I'm

26:59

like, I need a job in this. I need to make sure

27:01

I've got this in my company. When

27:04

you really think about the importance of how

27:06

we are moving, how we are operating as

27:08

consumers, how we're moving into this digital age

27:11

and further into AI and so forth, digital

27:13

transformation is going to become more and more

27:16

important, especially in financial services. It's

27:18

so important to get it right. And actually, I

27:20

think all of us need to be thinking about

27:22

what points can we digitise stuff to make our

27:24

services better? What parts of our service require us?

27:27

And what parts can we use digital

27:29

apps, digital products and other

27:31

things to really service our customers to build

27:33

their trust to make the service that we

27:35

offer them better and also for us to

27:38

then become more efficient, which makes us more

27:40

profitable. This was a wonderful

27:42

conversation. Definitely listen back and big up

27:44

David again, because I'm inspired. See

27:47

you in the next one. You've been

27:49

listening to me, Emmanuel Osuko

27:51

for Upfront, the podcast from

27:53

the financial services software company

27:55

Iris made with love by

27:57

Fresh Air production.