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In this interview, we discuss the defensive and offensive roles the technology team runs, the company’s Six S strategy, which stands for skills, secure, stable, scale, speed, and satisfaction, and Wells Fargo’s three pillared innovation strategy. We discuss Saul’s view on quantum computing, the natural partnership between big banks and Fintechs, and Wells Fargo’s response to the pandemic. We also discuss some of the indelible marks Saul believes will and won’t remain once we return to normal, why we need to be careful that we are using AI ethically, Saul’s lessons for effective cross-cultural communication, among a variety of other topics.