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Being the bank for Europe’s future means becoming a truly digital bank. Embedding digital and data across our bank is also crucial to implementing our new lean operating model.

 

We will invest €2.8 billion in digital and data over the next three years to transform our technology.

 

Our new operating model will move core competencies in house, delivering a new way of working centered around clients and common platforms. We will take back ownership of our core competencies and move key skillsets – product managers and developers – into our organization, under our control, supervision and risk frameworks.

We will reorganise into three global platforms: technology, data and business.

 

These will drive our overarching group technology development – and the countries will deliver the last mile products, tailored to their requirements.

 

In the long-term, we will have the skills and the technology to create a seamless digital offering that can exceed the expectations of our clients.

 

We will move from being digital to living digital.