Barefoot Innovation Podcast
218 episodes - English - Latest episode: about 1 month ago - ★★★★★ - 40 ratingsJo Ann Barefoot discusses disrupting innovation in the financial services sector and beyond.
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Episodes
Jelena Mc Williams, Chairman of the FDIC
February 09, 2020 01:11 - 54 minutes - 75.2 MBIn a moment you will hear Jelena tell her story, and I promise, you will see what I mean. Last year the Wall Street Journal ran a profile on her called, America’s Most interesting Bureaucrat. She was born in the former Yugoslavia, grew up in a Communist society, got herself to the US, bootstrapped herself into law school, worked in private practice, and at a bank, and at the Federal Reserve and then at the US Senate in the midst of the financial crisis. Her eclectic background has enabled he...
Joseph Otting, Comptroller of the Currency
January 24, 2020 15:23 - 50 minutes - 69.1 MBJoseph M. Otting was sworn in as the 31st Comptroller of the Currency on November 27, 2017. The Comptroller of the Currency is the administrator of the federal banking system and chief officer of the Office of the Comptroller of the Currency (OCC). The OCC supervises more than 1,200 national banks, federal savings associations, and federal branches and agencies of foreign banks operating in the United States. The mission of the OCC is to ensure that national banks and federal savings asso...
Leapfrogging to Leadership: Abu Dhabi Global Market’s Richard Teng
January 17, 2020 19:51 - 36 minutes - 50.4 MBRichard Teng is the CEO of the Financial Services Regulatory Authority (FSRA) of Abu Dhabi Global Market (ADGM), an award-winning International Financial Centre (IFC) in Abu Dhabi. Richard spearheaded the establishment of the financial regulations and financial centre, leading up to the successful launch of ADGM in October 2015. He oversees the whole spectrum of financial services spanning the banking, insurance and capital market sectors with integrated prudential and conduct supervisory r...
Congress’ Physicist: House AI Task Force Chair Rep. Bill Foster
January 08, 2020 17:21 - 59 minutes - 81.1 MBWe have the perfect show to kick off the new year and new decade in 2020. This is one of the most interesting conversations we’ve ever had, in our hundred-plus episodes of Barefoot Innovation. My very special guest is Congressman Bill Foster, who represents the 11th District of Illinois. He is a member of the House of Representatives Committee on Financial Services, and was appointed by Committee Chair Maxine Waters to lead the special task force she set up to examine how artificial intell...
The Future of Work: Joust CEO Lamine Zarrad
December 19, 2019 21:38 - 59 minutes - 81.1 MBLamine Zarrad is the co-founder and CEO of Joust. He began his entrepreneurial journey as a refugee, going on to serve in the U.S. Marines, and then building an expertise around banking regulations and financial services. With Joust, Lamine combines his passion for inclusion with his banking skills to create the nation’s first, all-inclusive banking services app for freelancers, entrepreneurs, and the self-employed.
The Central Bank of the Future
December 12, 2019 00:35 - 18 minutes - 25.9 MBToday’s show is a bonus episode, giving a glimpse of an important project that’s underway. The Bill and Melinda Gates Foundation have funded an initiative to think through the future of central banks and how they will, and should, advance the goal of financial inclusion. To lead the work, the foundation selected two leading thinkers in the space. Michael Barr is the Dean of the Gerald R. Ford School of Public Policy at the University of Michigan. He was previously Assistant Secretary of the...
The Long Game: Talking Financial Inclusion with CGAP CEO Greta Bull
November 28, 2019 01:27 - 54 minutes - 75.1 MBToday’s guest leads one of the most important institutions in that movement. She is Greta Bull, a director of the World Bank and CEO of CGap, the Consultative Group to Assist the Poor. In our conversation, Greta describes the progress and also the daunting work ahead. She talks about challenges in cyber-security. She talks about interoperability -- how to address fragmentation within and between markets, since digital finance is all about scale. She explains the role of e-commerce in drivi...
Decentralized Identity: Civic CEO Vinny Lingham
November 16, 2019 20:29 - 37 minutes - 51.1 MBToday’s show zeroes in on the most foundational question facing us all, not only in financial innovation but in our whole new world of ubiquitous data. That challenge is, how can we gain the benefits of this huge new universe of digital information, and at the same time, prevent it from hurting us. My very thoughtful guest on this dilemma is Vinny Lingham, CEO of Civic Technologies. Vinny’s story is fascinating. A star on Shark Tank South Africa, he immigrated from that country to Silicon ...
Reaching New Heights: The FCA’s Nick Cook and Francesca Hopwood Road
October 18, 2019 20:49 - 1 hour - 94.4 MBI think this is my all-time favorite episode of Barefoot Innovation. We have two guests. Nick Cook has been on the show twice before in his former role as head of regtech at the UK Financial Conduct Authority. He now leads the FCA’s newly-created division-level unit on innovation. I believe this model is unique in the world-- a financial regulatory agency establishing a high-level unit that, when staffed out, will have 200 people. Reporting to Nick are two groups. One is the group called...
Crossing Lines: Aspen’s Ida Rademacher and Prudential’s Jamie Kalamarides
October 02, 2019 16:52 - 1 hour - 100 MBToday’s show is amazing on two levels. First, my guests, Ida Rademacher and Jamie Kalamarides, explain new frontiers of thinking about how financial services, including insurance and retirement funds, can promote real financial health and inclusion. And second, the whole conversation is permeated by a critical theme, an insight that needs to be elevated from the background to the foreground in every discussion of how to do better for financial consumers. That second theme is that we are go...
A Bright Future for Small Business, with Karen Mills
September 17, 2019 14:54 - 48 minutes - 67.1 MBThis is the second time I’ve sat down with Karen Mills for a conversation on Barefoot Innovation. Karen is a Senior Fellow at both the Harvard Business School and Harvard Kennedy School (where I got to know her), and previously was the head of the US Small Business Administration. She is also probably the foremost expert, and most eloquent voice, anywhere, on using technology to strengthen small business. We got together, on a very rainy day on the Harvard campus, shortly after Karen publi...
Small Business Lending: Rob Frohwein and Kathryn Petralia of Kabbage
September 04, 2019 16:10 - 30 minutes - 41.3 MBIn our conversation, Rob and Kathryn tell their story, on how they’ve built a company that has extended $6 billion in credit to 165,000 people in the United States. They explain how they started with e-commerce companies and now service all small businesses. They describe their gradual realization that their loans can help these businesses manage cash flow -- a critical need. And they share their thinking on the regulatory challenges ahead for the space, including the risk that new regulati...
The Future of Banking with Chris Skinner
August 12, 2019 01:33 - 47 minutes - 65.2 MBMy guest is the one-and-only Chris Skinner. Chris, the CEO of the Finanser, began writing a daily blog in 2007. Every single day since then, for twelve solid years, he has written a blog post. It’s said that journalism is the first draft of history. Chris has written that daily first draft of the history of fintech, almost from the start. He’s the bard, or minstrel, or troubadour of fintech, telling its story as it has unfolded in real-time, day by day, with all its twists and turns and surp...
100th Episode: The Race to Regulation Transformation -- Marathon and Sprint
August 08, 2019 21:06 - 55 minutes - 76.8 MBMy new nonprofit, the Alliance for Innovative Regulation, or AIR (about which you’ll soon hear much more), collaborated with the UK’s Financial Conduct Authority to run the first-ever US regulatory “Tech Sprint.” A tech sprint is a hackathon. It puts subject matter experts together with software developers, lets them form themselves into teams, and has them work side by side -- sometimes day and night -- trying to solve concrete regulatory challenges. By the end of the sprint, typically a fe...
Agile Regulation -- CFTC Chairman Chris Giancarlo
July 11, 2019 16:35 - 39 minutes - 73.1 MBI’m calling today’s show “agile regulation.” I know that sounds like an oxymoron, but today, agile regulation is actually on its way. Financial regulators all over the world are realizing that they will have to update their tools, digitize their information and, above all, speed up, to keep pace with the exponential rate of technology change in the industry they regulate. In the United States, the leading voice in this new vision has been our guest today -- the Chairman of the Commodity Fu...
Fighting Financial Crime with Science: Giant Oak CEO Gary Shiffman
June 11, 2019 15:47 - 1 hour - 83.1 MBWe know that the money launderers are winning. We know that law enforcement is losing. By now, you’ve probably heard the UN’s statistics on this, that we catch less than 1% of these crimes, which add up to an estimated $1.6 trillion a year. At the heart of this problem is asymmetrical technology. The bad guys have sophisticated, networked, rapidly improving technologies, and the good guys are stuck in the past.
The Promise of Digital ID: David Shrier of Distilled Identity and MIT Media Lab
May 21, 2019 17:54 - 34 minutes - 47.8 MBThere are some challenges in fintech and regtech that transcend the others -- problems that have to be solved in order to “unstick” numerous other kinds of exciting innovation. Of these core enabling solutions, none is more important than digital identity. A few months ago I sat down with one of the people leading the work in this field. David Shrier is founder and CEO of Distilled Identity, an AI biometric software company that helps financial institutions and governments build better ide...
Counselor to the Secretary of the Treasury, Craig Phillips
May 07, 2019 14:46 - 46 minutes - 63.2 MBOur conversations on Barefoot Innovation always grapple with the regulatory challenges arising as technology transforms finance. Most of our guests have good ideas about this, but very few are in a position to make things happen. Today’s guest is different. He is Craig Phillips, who is the Counselor to the US Secretary of the Treasury, Steven Mnunchin. The Counselor role spans everything from fiscal operations to America’s debt management, but for our audience he is best-known for leading ...
Prince Michael of Liechtenstein: Imagining Finance in 2030
April 23, 2019 20:47 - 29 minutes - 40.5 MBBill Gates famously said, “We always overestimate the change that will occur in the next two years and underestimate the change that will occur in the next ten. Don't let yourself be lulled into inaction.” That gets quoted often these days, because it so well captures the times we live in. In that vein, it was a special pleasure to be invited recently to a roundtable aimed at envisioning the financial system of 2030. The event was the second in a series hosted by Prince Michael of Liecht...
A New Breed of Community Bank: My Fun and Fascinating Conversation with NBKC
April 09, 2019 14:33 - 59 minutes - 81.5 MBIf you’re ready for a breath of fresh air, today’s show is for you. It’s fun, it’s fascinating, and it’s filled to the brim with ideas that many of us haven’t heard before. NBKC bank is a community bank that thinks and acts like a start-up company. My guests are its CEO, Brian Unruh, and Zach Pettet, who is the bank’s Fintech Strategist and who heads its Fountain City Fintech affiliate, which is the first “partnership accelerator” run by a community bank.
Bonus Episode: Futurist Brett King
March 27, 2019 17:19 - 1 hour - 85.2 MBToday’s show is a bonus episode, and an extra-special one, because I sat down with my friend, the futurist and financial technology guru Brett King.This is our second show with Brett -- we also had one we recorded over a delightful breakfast in London a while back. We wanted to talk again because he’s put out his new book, Bank 4.0, for which I co-wrote the chapter on financial regulation. We made that chapter 2 of the book, right after the opening, because regulation has become absolutely ...
Talking Cryptocurrency with Brian Brooks of Coinbase
March 19, 2019 17:57 - 53 minutes - 74.1 MBI have a real treat for you today. Brian Brooks is the Chief Legal Officer of Coinbase and is also one of the smartest and most thoughtful people anywhere in the financial world. His past roles include being General Counsel at Fannie Mae and Vice Chairman of OneWest Bank, where he worked with both now-Treasury Secretary Steve Mnuchin and now-Comptroller of the Currency Joseph Otting. If his name seems familiar, it may be because was in headlines a while back as a short-list candidate to be D...
Women in Fintech
March 08, 2019 14:22 - 55 minutes - 75.6 MBToday is International Women’s Day, and we’re honoring it with a very special bonus episode of Barefoot Innovation, on Women in Fintech...and with Women in Fintech. My four guests are Laura Spiekerman, the CRO of Alloy, Melissa van Kluyve, Associate at Clocktower Technology Ventures, Zoe Chaves, the Product Manager of Splitwise, and Lyn Farrell, the Regulatory Strategy Advisor of Hummingbird Regtech.
How to Digitize a Bank: Citizen’s Lamont Young
February 26, 2019 19:43 - 40 minutes - 55.6 MBI love how technology is bringing new kinds of people into finance. Today’s guest, Lamont Young, is a great example. He started his career in the fashion industry. Today, he is at Citizens Bank, as the Head of Digital and Multi-Channel Marketing.
AI’s Potential and Perils for Finance: Steve Cohen of Basis Technology
February 20, 2019 00:44 - 48 minutes - 65.9 MBI had a fascinating conversation in Boston this winter with Steve Cohen, who is Cofounder, EVP, and COO of Basis Technology. Basis is a world-leading innovator in text analytics and the branch of artificial intelligence known as natural language processing. Over the last two decades. they have built a suite of tools that can analyze information produced by people in text form, in virtually any language, and distill patterns that reveal meaning and connections.
Crossing Party Lines with Fintech Foxes Jon Bouker, Dan Renberg and Kate Flocken of Arent Fox
February 06, 2019 18:01 - 1 hour - 89.7 MBAmidst all the collective angst about our political discourse, I found myself, one afternoon last fall, in a meeting with the leadership team of the government affairs group at the law firm, Arent Fox. One partner, Jon Bouker, is a Democrat. Another, Dan Renberg, is a Republican. And as we talked, they kept making me laugh. Watching them interact, watching them brainstorm together, watching them riff on each other’s points, I realized we could all use a little more of whatever makes them eff...
The CFPB Innovation Director Paul Watkins
February 04, 2019 15:06 - 52 minutes - 71.6 MBToday’s show is a bonus episode that we added to the schedule because it has a deadline connected with it. My guest is Paul Watkins, Assistant Director of the Consumer Federal Protection Bureau (CFPB) and Director of its new Office of Innovation. And the deadline is February 11, which is the last day that the CFPB will be accepting public comment letters on its proposals for organizing a Product Sandbox and for issuing No-Action Letters on innovative products and practices. The Bureau is ver...
Making Hard Things Easy and Boring Things Fun with Acorns Co-founder Walter Cruttenden
January 30, 2019 21:30 - 55 minutes - 76.4 MBToday’s guest is Walter Cruttenden, cofounder of Acorns and founder of the gaming company, Blast.
Biometrics, Blockchains, and Bots with David Birch
January 22, 2019 20:14 - 1 hour - 111 MBToday’s show is a special treat because my guest is brilliant and funny and original, and he’s also a friend. Dave Birch is a London-based author, advisor and commentator on digital financial services and Global Ambassador for Consult Hyperion. We often run into each other in different parts of the world, and in December we found time to sit down and catch up in London’s old City.
Fintech in China and Around the World: Anju Patwardhan of CreditEase
January 10, 2019 15:17 - 38 minutes - 53 MBOur first 2019 show brings us a global perspective on fintech. My guest is Anju Patwardhan, Managing Director of the CreditEase FinTech VC Fund. Anju has an incredible background. I first met her when she was starting at Stanford as a Fulbright Fellow and visiting scholar, at a time when I was a senior fellow at Harvard. We made an instant connection and since then, we’ve often run into each other in interesting places around the world. Late last summer, we finally found time to sit down and...
The Human Side of Technology -- Sopnendu Mohanty, Chief Fintech Officer of the Monetary Authority of Singapore
December 28, 2018 18:38 - 46 minutes - 63.2 MBThis is our second show with Sopnendu Mohanty, Chief Fintech Officer of the Monetary Authority of Singapore. We recorded it at the MAS annual fintech festival in Singapore, which is a remarkable event. I think it’s probably the world’s largest financial conference, with an incredible 45,000 people attending this year from all over the world. Maybe even more surprisingly, it’s a “fintech festival” that is sponsored by a central bank!
The American Dreamers: Earnup Cofounders Matthew Cooper and Nadim Homsany
December 11, 2018 17:29 - 47 minutes - 65.4 MBOne of the things I love about our Barefoot Innovation conversations -- and about fintech, for that matter -- is the passion you find in so many founders, these people who really believe they can do better for consumers. You hear it in the voices of many of the guests we’ve had on the show, the note of excitement, the sense that they can almost see a better future. They’re often people from the technology world who looked at some traditional, stuck feature of the financial system and said to...
Try Something New: Lend Academy and LendIt Founder Peter Renton
November 20, 2018 19:20 - 59 minutes - 81.9 MBToday’s show is coming to you from London. I’m here to speak at the LendIt Fintech Europe conference, and I’m delighted to say that my guest is the cofounder of the LendIt Fintech conference series, Peter Renton, who is also the founder of Lend Academy.
Moving The Regulatory Mountain: CEO of JWG and Founder of Regtech Council, PJ Di Giammarino
November 14, 2018 14:58 - 1 hour - 85.2 MBMy guest today is one of the world’s foremost thinkers on how to modernize financial regulation through technology. He is PJ Di Giammarino, CEO of JWG and founder of the global RegTech Council.
Complete Financial Inclusion: The World Bank's Harish Natarajan
October 30, 2018 18:16 - 52 minutes - 71.9 MBMy guest today is the World Bank’s Harish Natarajan, a leader of one of the most visionary and ambitious efforts underway in the financial world -- to achieve complete financial inclusion. Throughout history, the idea of reaching full inclusion -- enabling everyone to access the mainstream financial system -- seemed like fantasy. Financial services have always been expensive to produce and deliver, making it unprofitable to serve everyone. In addition, they often involve the need to evalu...
Know Your Customer: Alloy CRO Laura Spiekerman
October 10, 2018 00:03 - 42 minutes - 58.5 MBOne of the biggest challenges in fighting money laundering is satisfying the KYC, or Know Your Customer, rules. These regulatory requirements make sense in concept -- they require financial companies to verify customers’ identities before letting them connect to the system, in order to screen out high-risk people and entities and as a foundation for meeting the legal mandate to monitor financial activity for potential crime. However, the traditional verification process has always been expen...
Talking Through the Storm with Jan Lynn Owen
September 25, 2018 16:15 - 36 minutes - 49.8 MBI am especially thrilled about today’s guest -- California DBO Commissioner Jan Owen -- because this episode has been years in the making. I’ve known Jan for a long time, and as anyone who knows her will attest, she’s a breath of fresh air in the regulatory world. She’s candid, she’s outspoken, she’s thought provoking, and she's fearless in tackling thorny issues. We’ve been looking for a good chance to sit down and talk, and we finally found one this summer. As it happens, it turned out ...
Machine-Readable Regulation: Compliance.AI CEO Kayvan Alikhani
September 11, 2018 16:46 - 39 minutes - 54.5 MBWhat if regulations were machine-readable? What if, when regulatory changes come out, financial companies wouldn’t have to download hundreds or thousands of pages of rules and read them all? What if they didn’t have to rely on lawyers -- their own, and also the legions of legal experts and consultants who translate rules for the industry as a whole, to help them understand what to do? What if, instead, they could run new rules through a machine-based review, and get all those answers automa...
Transforming Identity: GlobaliD CEO Greg Kidd
August 28, 2018 12:15 - 1 hour - 133 MBIt’s always extra fun when we have a show where the guest talks about the days when Jack Dorsey hacked him and lived in his backyard. For today’s conversation, I’m joined by my friend Greg Kidd, Co-founder and CEO of globaliD. I’m predicting right now that this one is going to be a Barefoot Innovation fan-favorite. Greg has an unusual background. He was involved from the early days of Ripple, Twitter, and Square. Unlike most Silicon Valley innovators, though, he’s also been a banking cons...
Congressman Gregory Meeks on Win-Win Fintech
August 14, 2018 13:27 - 34 minutes - 47.5 MBWe have such a special guest on today’s show. Gregory Meeks is the United States Congressman representing the Fifth District of New York. He is also a leading member of the House of Representatives Committee on Financial Services. I was able to sit down with him, in his Capitol Hill office on one recent, hot summer day, to talk about how technology is changing consumer finance and, especially, how it can expand financial inclusion. Congressman Meeks has been bringing breakthrough leadersh...
Innovation at a Small Bank: Radius CEO Mike Butler
July 31, 2018 12:46 - 58 minutes - 80 MBToday’s guest is Michael Butler, CEO of Radius Bank in Boston. As with our recent show with Bob Rivers of Eastern Bank (which is also based in Boston), Mike belongs to a small, but growing, group of CEOs who are truly transforming their community banks through technology. When conversation turns to the tech future for community institutions, these two banks’ names always come up. We’ll link in the show notes to the Eastern episode and you’ll notice many common themes -- especially that b...
Data that Deepens Financial Access: Experian and Lendup
July 10, 2018 20:26 - 47 minutes - 65.8 MBToday’s show brings us two fascinating guests. Alex Lintner is President of Consumer Information Services for Experian, and Sasha Orloff -- who is a previous guest on Barefoot Innovation -- is founder and CEO of LendUp. They recently joined forces to explore using new kinds of data to widen financial inclusion. We all sat down to discuss it at the LendIt conference this spring in San Francisco. Credit scores are a great tool for evaluating the creditworthiness of many consumers, but as Al...
Regulatory Challenger: LabCFTC and Daniel Gorfine
June 18, 2018 03:01 - 1 hour - 90.3 MBSome organizations are so interesting that we come back to them more than once. Among US regulatory agencies, the most fascinating may be the Commodity Futures Trading Commission. Last July we ran a podcast conversation with the Commission’s Chairman, Christopher Giancarlo, which goes into greater depth about the role of the CFTC and it also contains Chairman Giancarlo’s thought-provoking statement that the top priority facing every regulatory body is to convert the rule book from analog t...
Regulation Revolution: The Financial Conduct Authority and Digitally-Native Regulatory Design
June 09, 2018 16:11 - 56 minutes - 77.5 MBThis is the most unique, and the most consequential, show we’ve ever done. If our thousands of listeners all think about it and especially if you share it widely, it has the most potential to actually change the financial regulatory world for the better and also in turn, therefore, to improve the financial world, too. It goes right into the heart of the most important work, being done by the most innovative people, on redesigning regulation for the digital age. My guests are Chris Woolard...
Innovation and Community Banks: Eastern Bank CEO Bob Rivers
June 01, 2018 17:23 - 59 minutes - 81.3 MBOne of my goals for Barefoot Innovation is to amplify the voice of America’s community banks about the future of financial innovation and regulation. Today’s guest is perfect for this. He is Bob Rivers, CEO of Eastern Bank in Boston. At age 200, Eastern is the oldest and largest mutually-owned bank in the United States. At the same time, it is one of the most “young” and nimble community banks in adopting new technology. Mutual savings banks were once common, especially in New England. Mo...
The Courage to Change: Former Wells Fargo BSA Officer Jim Richards
May 14, 2018 20:41 - 1 hour - 101 MBWe’re moving into a new era of regulation and compliance that will be driven by new technology. Most of our listeners know I’ve co-founded a regtech firm, Hummingbird, to help bring this new model, first, to anti-money laundering, which is widely seen as the arena where the old compliance model is most broken, and where new technology could go the farthest, fastest, to solve everyone’s problems -- by both improving outcomes and cutting costs. There is a growing global “regtech” community, i...
How to Change the World: The Gates Foundation’s Michael Wiegand
May 07, 2018 20:20 - 1 hour - 92.5 MBMy guest this week is Michael Wiegand, Director of the Financial Services for the Poor strategy at the Bill and Melinda Gates Foundation. If you had new ideas for solving the world’s toughest problems, and ample resources to devote to pursuing them, you might do what Bill Gates did when he stepped back from running Microsoft in order to apply what he’d learned there, especially about the power of technology, to problems that have long seemed unsolvable. He and his wife launched their fou...
Affordable Financial Advice: Nerdwallet CEO Tim Chen
April 18, 2018 17:10 - 40 minutes - 55.4 MBTim Chen is the founder and CEO of NerdWallet, and he’s a classic American story. In today’s episode, he describes the remarkable journey he’s taken so far in his still-young life, which has had dramatic ups and downs -- (as he says, when one door closes, a bigger gate may open). NerdWallet, which he founded at age 26, now helps more than 100 million people every year shop for and choose financial products that meet their needs. NerdWallet is a matchmaker, guiding consumers to find the fi...
Sponsor Bank: Cross River Bank’s CEO Gilles Gade
April 10, 2018 13:11 - 37 minutes - 51.5 MBMy guest today is pioneering a crucial innovation within the innovation landscape in finance -- by providing banking services to fintechs through a platform-based financial services model known as the sponsor bank, or partner bank. In today’s episode, Gilles Gade tells the story of founding and building one of the leading sponsor banks, Cross River. Most fintech companies are licensed by their states, but are not banks. That means that every one of them has to find a bank through which to...
Digitally Native Finance: Starling Bank CEO Anne Boden
March 18, 2018 16:41 - 44 minutes - 61.1 MBToday’s episode is like a crystal ball glimpse into the future of banking, narrated by my guest, Anne Boden, the thoughtful and charismatic Founder and CEO of Starling Bank in the UK. Anne has years of experience at large banks, including in IT roles. At one of them, she led an effort to develop an innovation transformation. It brought her to a critical conclusion: that the only way to create a really innovative bank is to start “from scratch.” When the UK government in 2013 responded to...