Data, digital, and the employee experience In the futuristic 2014 film Her, a man befriends his operating system, a software program that’s believably human. Google Futurist and Director of Engineering Ray Kurzweil has said it’s a world that’s not far off, famously predicting that computers will read at human levels and take on human characteristics by 2029. Business strategist and speaker Andrew Winston, author of The Big Pivot, sees the world in the next 10 years as even more open and less private.2 The amount of data collected on people, products, and organizations will skyrocket, while well-developed technological tools will emerge to analyze the growing data. Artificial intelligence (AI) will plan much of our daily lives, and the technology will make us all more efficient. For the financial services industry, the transformation to digital and increased focus on data is already underway. Over the next 10 years, industry participants expect even bigger changes in the banking world, which is currently in the midst of a major disruption. The financial services industry is being shaped by the rise of artificial intelligence, big data, and advanced analytics; competition from tech-savvy players; and by consumers who increasingly expect a seamless and personalized digital customer experience.