"A great idea is easy; bringing it to life will always be harder than you think. Bring your whole self to the task and use science and art to bring others on the journey."
 

"One of the main reasons customers are signing up for Xinja is because they have had enough of the big lazy four, and this sentiment increased noticeably after the Royal Commission. We are entering a new, tougher era of what trust in banking means."
 

"We realised a few years ago that continuing to try to innovate with legacy technology platforms wasn’t going to give us the agility or flexibility to meet our members’ future expectations or those of the wider industry."
 

"We realised a few years ago that continuing to try to innovate with legacy technology platforms wasn’t going to give us the agility or flexibility to meet our members’ future expectations or those of the wider industry."
 

"Australia is experiencing both a profound digital disruption in financial services as well as a fundamental shift in how data is utilised. We are seeing consumers rightfully demanding and receiving more control over their data."
 

"Data is unquestionably a core asset and capability for insurers. That said, data investments do need to start with a solid understanding of the jobs to be done – how can we create more customer value and, in so doing, create competitive value?"
 

"One of the mantras we have been applying to our work for One VPS is “Culture eats strategy for breakfast”. I have seen countless examples across public and private organisations where change initiatives have failed because the focus has been placed solely on the technology, without a focus on the people who will need to use it."
 

"There are lots of new entrants without legacy systems to contend with who’ve learnt lessons from bigtech players. For incumbents in financial services, the pressure is on to make the shift in gear to keep pace with expectations."
 

"Over the next five years, we really believe intelligent prediction, coupled with personalised interactions, are essential. To deliver on this, we’re working to infuse artificial intelligence across everything we do, with a number of initiatives already on our roadmap."
 

The reality is that shifting culture is really hard, and it can take years to achieve and continued work to sustain. Fundamentally, it is a ‘core’ thing, not a ‘surface’ thing.