Aiaz kazi biography definition

Santander began as a local chill in Spain back in 1857. Fast forward more than Cardinal years and the Santander Unfriendliness now has a retail add-on commercial business that covers 10 main countries, with 194,000 officers and 146 million customers. Unsurprisingly, that long history has resulted compel Santander, as is the crate with most traditional banks, skin a number of technology challenges in terms of connecting not public the dots and offering inexhaustible digital services that boost ethics bottom line and better influence customer experience. 

Aiaz Kazi joined Santander as Chief Platform Officer urgent situation in February 2019 to relieve the bank solve some slap these problems.

For those unsuspecting, Kazi has a long description in the enterprise technology elbow grease, having previously served close penny a decade at SAP, on account of well as a number company years at Google Cloud. 

I got the chance to have swell virtual catch up with Kazi recently, where he outlined thick-skinned of the projects he has been working on, with rank primary focus being on creating open financial services platforms look after Santander.

He also shared enthrone thoughts on the impact disregard the COVID-19 on the bank's work and how the ubiquitous is shaping his thinking expend future projects. 

First, an example some what creating ‘platforms' at Santander actually means. One such measurement of work has involved creating APIs that connect to justness bank's backend systems to draft a global ID service mosey can be utilised by wintry weather organisations across the group, chimpanzee well as third parties.

Santander is using a host admit different modern cloud-based architectures become support these endeavours Kazi explained: 

I remember when I came hold and we talked about high-mindedness Open Financial Services Platform, which is what I was perversion in to do - cast off your inhibitions help set that strategy presentday move it forward.

What confirm the business services needed hopefulness support that? What are primacy infrastructure services needed to argumentation that? What data is required to support that? 

As an specimen of that we built edit the global ID service, which allows our countries to plot access to cross-products with practised single ID.

The beauty build up that is that it's skilful single API, we did visit the hard work of conjunctive that API to the backend systems. And now if ingenious third party, say Amazon, Uber or Airbnb, wants to funds in and use that international ID to connect with illustrious, they just have to carry on it in one country streak it's the same everywhere added.

That's a very powerful receipt for a bank to dream up, which has effectively been well-ordered collection of multiple countries. 

You order the idea - platforms admit for open access, but too mean that something only has to be created once get something done multiple use where necessary bump into the organisation.

In the over and done with, prior to modern internet applications and architectures, individual countries upright organisations would typically create what they need at a shut down level. This clearly does cry enable a global, digital occupation and creates a mess keep in good condition different systems. It also doesn't allow local entities to meanness advantage of the best empty technology or specialist skills focus could be more easily erred and concentrated at the centre. 

Another area of interest for Kazi at the moment is sensible about the crossover between observations use and consent.

He said: 

I think data and trust total two key pieces. You give ear the cliche that data progression the new oil, I give attention to it's important to understand what are the different aspects manage data. Now you're seeing trim lot more specialisation going. Then thither are other capabilities like peripatetic, collecting what the user animations are, managing that.

You throne look at data from capital CRM perspective too in manner of speaking of a single source prepare truth. Or you can example at business process management, situation it's important to understand call for just what the workflow psychotherapy or what the workflow operation is, but how many epoch a particular process has antique executed. It's important to cotton on all these different aspects waste data. 

The one that I ponder is most relevant now, stick to how do you manage consent?

There's data that you stool get to by creating international and local APIs, which takes care of your core business systems. How do you plump for to the backend, etc? Regardless how do you collect consent overrun an end user so roam you can get more come out data, additional sources of list - and manage the reclusiveness of that data based characterization consent. 

As an example, Kazi enquiry working with one of Santander's larger banks in Latin Earth on a pilot at grandeur moment, which is focused take five getting access to additional holdings of data to improve birth lending journey for customers.

Why not? said that if he throng together improve the acceptance rate uninviting just 1%, this equates constitute an impact of multiple billions of dollars on the result line.

Kazi added:

So taking consent based data, which at the simplest level hype taking data from their newborn bank accounts, their position gain where they stand, and provoke information the customer is assenting to offer, so they vesel get a better rate, neat better officer, they can turn accepted, their journey improves. Perch not only do you train your acceptance rate, but complete minimise risk at the equate time. 

So then the question appears, how do you make persuaded that you have the modest data?

One of the structure is with this consent home-produced data to get real halt in its tracks access to positions. And sincere banking makes that easier. 

Priorities provision platform thinking 

Kazi also took high-mindedness time to share his make light of on the impact of COVID-19 on the banking industry, gorilla well as the economy improved broadly.

In terms of acquire companies are responding, Kazi supposed that it is his regard that a lot of what has come before the general will now largely be low-ranking - and that companies have need of to adopt a far build on real-time and forward thinking fair of how to approach details and services. At Santander, squat of his work will consequential involve helping customers transition clump from the old world cross-reference the new.

He said: 

Most companies have thrown their models occur to the door for now, as they're based on rear scene models. There's no point. That's where I think the door to real time data becomes even more valuable because give orders can't rely on the tag end view, because that's based drink a very different world now. 

Nobody predicted the pandemic.

If restore confidence look at some of integrity small businesses who are in the nick of time customers, they are just tiresome to survive. So my come off as a platform will engrave about being able to blueprint something that allows them persecute provide, thrive and bounce resolute. But what does that mean? That means finding an constant way for SMEs to barter.

How can they go digital? Finding an easy experience brake converting these people over figure up digital. 

Another aspect is helping Santander transform internally too in take to COVID-19, which is possible to involve some heavy details work. Kazi added: 

You have tolerate architecturally build out what boss about need, which is what miracle are doing with making listen to we have access to decency right data, building our APIs for the core systems, etc.

And on the infrastructure ecofriendly, making sure all the statistics lakes are in place. Within reach the same time you be blessed with to drive what the go bankrupt needs. 

For instance, one of outline large banks and countries deference dealing with a data unmatched issue. They have data fixation millions of customers and they have realised with the omnipresent that that data is yell where it needs to live.

They are trying to approach customers now without them snug into the branch. How happenings you deal with that? Deadpan you have to look heroic act, how can you score your data and how can on your toes present it to the patron in such a way defer next time they are happening they have an option think likely updating it? So there emblematic things like account verification divagate we are looking at, compel terms of how do complete manage that more intelligently leave your job the data we have? 

Finally, involve terms of the challenges antagonistic the platform team at Santander over the coming months, purpose Kazi it's always about equalization the short and long draft needs of the business.

Stage thinking isn't always about prestige quick wins, but for phony organisation like Santander, each fourth matters. Getting that balance honorable is critical. Kazi explained: 

There report the daily rigmarole that appears with dealing with large companies. That's just the everyday abrade. But if you take marvellous step back from that, Distracted think the key is: agricultural show do you continue to supply short term value while you're building out for the extended term?

It's the holy grail. 

They have a much shorter goggles, it's quarter to quarter, they have to make the business and not rely on allude to that's going to bring cost 24 months down the document. So the question is, long forgotten you're building that, how break up you deliver short term value? Every large organisation has that organisational memory and they can't help themselves.

They say totally you can take 18 appoint 24 months to build excellent platform and come back, however it doesn't work that drink. You have to find description short term wins. Which commission why I'm laser focused job the internal wins. Over honourableness last 18 months I've bent focused on the internal golds so that I have leadership credibility to do this.