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Rathi heads the U.K. Financial Conduct Authority, which has raced ahead of other agencies in recognizing the importance of digital transformation. He sits down with Jo Ann for a wide-ranging discussion on the FCA\u2019s sandbox initiative, why the \u2018G\u2019 (for Governance) in ESG matters, and how the agency aspires to be a \u201cdata-driven regulator.\u201d