FS Special Edition 2017 - 9

9
Our field of competition is very broad. We
need to be attentive to what the large digital
superpowers are doing, what our traditional
legacy competitors are up to, and what's going
on in the venture capital space. Everyone's
working to solve many of the same problems,
but coming at them from different angles.
We stay engaged by having a San Franciscobased team that's dedicated to keeping up
with the latest technology companies and
developments. We have relationships with VCs
that are involved in fintech as well as with other
enterprise applications that are relevant for us.
We bring in start-up companies to run pilots-
some of which we have deployed widely. We've
acquired a number of emerging technology and
design firms. We've learned a lot from these
startups, both in terms of how they operate and
how they build technology. And we measure
ourselves against their nimbleness and flexibility.
Sure, they have the benefit of a clean slate. But
we're only 22 years old; there are a lot of areas
where we can start fresh.
This approach has helped us introduce
some great, new digital products to help our
customers with their financial lives. Our Wallet
app provides a ton of capabilities for customers
to track and manage spending, earn and
redeem rewards, and benefit from notifications
and insights generated by their use of our
products. We launched a new capability using
Amazon's Alexa that enables customers to use a
voice interface and natural language queries to
manage their money.
It's amazing how much our company has
changed in 10 years-how much our IT
organization has evolved, how much our
business model has shifted, and how much the
world of technology outside has advanced. I
may have a longer CIO tenure than most, but
the job has continually changed along with
everything else. It's so dynamic-and that's the
only thing that's not likely to change.

THE
TAKEAWAYS
* It's all too easy for a successful
organization to make next year's
strategy simply an incremental
improvement on the previous year's.
But in this age of digital disruption,
companies need to be regularly
repositioning themselves for a
radically different environment.
* Software talent is attracted to an
organization that already has a critical
mass of great software engineers.
And you won't succeed in building
that core group of top talent if they
have to work on legacy platforms in
an environment marked by slow and
bureaucratic processes.
* DevOps fosters a culture of ownership
in IT, with software engineers owning
their code all the way through
production and thus able to quickly
resolve issues that arise.



Table of Contents for the Digital Edition of FS Special Edition 2017

Contents
FS Special Edition 2017 - Cover1
FS Special Edition 2017 - Cover2
FS Special Edition 2017 - 1
FS Special Edition 2017 - Contents
FS Special Edition 2017 - 3
FS Special Edition 2017 - 4
FS Special Edition 2017 - 5
FS Special Edition 2017 - 6
FS Special Edition 2017 - 7
FS Special Edition 2017 - 8
FS Special Edition 2017 - 9
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FS Special Edition 2017 - Cover3
FS Special Edition 2017 - Cover4
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