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The financial services industry today is subject to the kind of change no one has seen for over 200 years. The confluence of a dynamic regulatory environment, non-traditional players entering the marketplace, and envolving customer expectations has led to a tipping point. While institutions around the world are recognizing the importance of digitally transforming their business proccesses to address these challenges, many are weighed down by legacy systems that hinder agility. In this presentation Daragh Morrissey provides an overview of he dynamics of disruption as well as the global trends in Innovation, the impact of Artificial Intelligence, and the opportunity it presents to Fintechs. Daragh also explores the AI journey that customers are on and how we can collectively close the skills gap to drive successful adoption and partnership with Fintechs.