The Importance of Digitalization in Customer Acquisition

I think we all want the silver bullet, but it's not something that exists. Change is hard work and it doesn't end. And I think that's what we're beginning to see the edge of. JP Morgan put a dollar value to it and a billion and City put a number of tech employees to it in the order of 4,000. That requires you to automate that requires you to rebuild your scoring models. It triggers a whole lot of change around the organization. And that's the hard part.