Artificial intelligence and machine learning have fundamentally altered the way we live, work, and interact. With the arrival of the Fourth Industrial Revolution, the biggest changes are yet to come. How has AI-driven decision-making, open banking, and fintech changed the financial services industry and how should firms allocate resources to meet the evolving demands of customers? As countries around the world compete for talent, what critical investment strategies can companies implement to stay ahead of the pack? And how can financial technology, such as digital ledgers and tokens, be a key driver to enable broader access to capital and more efficient financial services?