Michael Conway from IBM, an expert in tech modernization; Paul Taylor from Thought Machine, who tackles legacy tech challenges; and Sharon Barber from Lloyds Banking Group, specializing in modernization strategies, delve into the pressing need for banks to update outdated systems. They discuss rising consumer expectations post-pandemic, innovative cloud-based solutions, and the pivotal role of AI in modernization. Additionally, they highlight the vital link between organizational culture and successful tech transitions for improved customer experiences across industries.