AI, blockchain, crypto, micro payments, regtech and insurtech are all shifting the working processes of banks. This year, Intesa\u2019s Novathon has evolved from a hackathon for new technologies into a conference focused on innovation and culture transformation, including a talk from the co-founder of Apple, Steve Wozniak. This podcast features an interview with the tech guru at the Novathon event. We hear his reflections on the future of AI and why companies need to use tech ethically. Maurice Lisi, Head of Multichannel and CRM in Intesa Sanpaolo, and P\xe1l Sim\xe1k, chairman-CEO of Intesa Sanpaolo\u2019s Hungarian subsidiary, CIB Bank also feature, giving insight into how tech can help Intesa Sanpaolo be always on for the consumer.\xa0