Innovation in modern day financial services is about unlocking potentials previously deemed unattainable, and serving demographics previously considered undesirable. It is about empowering individuals to take control of their financial lives, and creating opportunities to enable society as a whole to prosper – leveling the playing field for economic opportunity for everyone, not just profitable segments.

It is ultimately about humans - and our quest to leverage the powerful combination of human and machine power to create a more equitable future that we can all aspire to. We must always meet human needs by being human ourselves. We must ask the simple, yet powerful question: How might we bring the fullness of the human experience to every moment?

We must always dare to dream.