I return this year to a topic of last year’s Innotribe at Sibos – Big Data. Data is not going away. It continues to be talked about more and more, whether it is about the volume of data, the speed it is growing, or the different varieties and types of data and information that is being aggregated, compiled, or analyzed. As we move from an era of automating transactions to the era of data, the information challenges banks face are increasingly around understanding and creating intelligence from information. Areas like regulatory compliance, customer insight, or real-time offer management are real data problems. The next wave of value creation is likely to come from creating more understanding, insight, and wisdom from this data to better protect the bank or find new customer segments to drive revenues.