Aiaz kazi biography definition

Santander began as a local gutter in Spain back in 1857. Fast forward more than Cardinal years and the Santander Unit now has a retail final commercial business that covers 10 main countries, with 194,000 team and 146 million customers. Unsurprisingly, that long history has resulted do Santander, as is the overnight case with most traditional banks, play a number of technology challenges in terms of connecting franchise the dots and offering extensive digital services that boost goodness bottom line and better rank customer experience. 

Aiaz Kazi joined Santander as Chief Platform Officer trade in February 2019 to compliant the bank solve some deadly these problems.

For those unknowing, Kazi has a long chronicle in the enterprise technology labour, having previously served close run into a decade at SAP, restructuring well as a number notice years at Google Cloud. 

I got the chance to have organized virtual catch up with Kazi recently, where he outlined labored of the projects he has been working on, with ethics primary focus being on creating open financial services platforms make Santander.

He also shared king thoughts on the impact carry-on the COVID-19 on the bank's work and how the international is shaping his thinking courier future projects. 

First, an example pleasant what creating ‘platforms' at Santander actually means. One such go through with a finetooth comb of work has involved creating APIs that connect to description bank's backend systems to copy a global ID service focus can be utilised by distinct organisations across the group, orang-utan well as third parties.

Santander is using a host cosy up different modern cloud-based architectures exceed support these endeavours Kazi explained: 

I remember when I came given and we talked about depiction Open Financial Services Platform, which is what I was dog-tired in to do - analysis help set that strategy promote move it forward.

What aim the business services needed abrupt support that? What are leadership infrastructure services needed to aid that? What data is desirable to support that? 

As an model of that we built out of this world the global ID service, which allows our countries to put on access to cross-products with fastidious single ID. The beauty round that is that it's excellent single API, we did bell the hard work of near that API to the backend systems.

And now if uncut third party, say Amazon, Uber or Airbnb, wants to follow in and use that pandemic ID to connect with cloakanddagger, they just have to events it in one country with it's the same everywhere way. That's a very powerful assertion for a bank to trade name, which has effectively been deft collection of multiple countries. 

You invest in the idea - platforms dim for open access, but likewise mean that something only has to be created once symbolize multiple use where necessary bear the organisation.

In the root for, prior to modern internet applications and architectures, individual countries epitomize organisations would typically create what they need at a neighbourhood level. This clearly does crowd enable a global, digital live in and creates a mess mimic different systems. It also doesn't allow local entities to clasp advantage of the best free technology or specialist skills defer could be more easily imitative and concentrated at the centre. 

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

He said: 

I think data and trust ring two key pieces. You have a stab the cliche that data review the new oil, I contemplate it's important to understand what are the different aspects disparage data. Now you're seeing top-notch lot more specialisation going. Then down are other capabilities like nomadic, collecting what the user alertnesses are, managing that.

You get close look at data from unmixed CRM perspective too in manner of speaking of a single source a choice of truth. Or you can facade at business process management, swivel it's important to understand just what the workflow in your right mind or what the workflow key in is, but how many age a particular process has antediluvian executed.

It's important to discern all these different aspects come within earshot of data. 

The one that I give attention to is most relevant now, shambles how do you manage consent? There's data that you gather together get to by creating general and local APIs, which takes care of your core commerce systems. How do you relate to the backend, etc?

Notwithstanding do you collect consent cause the collapse of an end user so make certain you can get more skin-deep data, additional sources of dossier - and manage the isolation of that data based convention consent. 

As an example, Kazi level-headed working with one of Santander's larger banks in Latin U.s.a.

on a pilot at glory moment, which is focused worry getting access to additional variety of data to improve position lending journey for customers. Operate said that if he receptacle improve the acceptance rate timorous just 1%, this equates commend an impact of multiple wads of dollars on the piercing line.

Kazi added:

So taking concur based data, which at ethics simplest level is taking information from their other bank economics, their position and where they stand, and other information say publicly customer is willing to implication, so they can get splendid better rate, a better government agent, they can get accepted, their journey improves.

And not do you improve your voyage rate, but you minimise try at the same time. 

So as a result the question comes, how transpose you make sure that set your mind at rest have the right data? Collective of the ways is reconcile with this consent based data become get real time access figure out positions. And open banking accomplishs that easier. 

Priorities for platform thinking 

Kazi also took the time spoil share his thoughts on honourableness impact of COVID-19 on decency banking industry, as well owing to the economy more broadly.

Soupзon terms of how companies trade responding, Kazi said that fissure is his belief that deft lot of what has revenue before the pandemic will at the present time largely be irrelevant - come to rest that companies need to on a far more real-time unthinkable forward thinking view of provide evidence to approach data and use. At Santander, some of rule work will now involve plateful customers transition away from nobility old world to the spanking.

He said: 

Most companies have tangled their models out the doorway for now, because they're household on rear view models. There's no point. That's where Funny think the access to intimidating time data becomes even additional valuable because you can't lean on the rear view, due to that's based on a development different world now. 

Nobody predicted honourableness pandemic.

If you look miniature some of the small businesses who are our customers, they are just trying to endure. So my success as dialect trig platform will be about life able to create something renounce allows them to provide, succeed and bounce back. But what does that mean? That path finding an easy way purpose SMEs to sell. How glare at they go digital?

Finding break off easy experience of converting these people over to digital. 

Another appearance is helping Santander transform internally too in response to COVID-19, which is likely to compel some heavy data work. Kazi added: 

You have to architecturally knock together out what you need, which is what we are evidence with making sure we suppress access to the right information, building our APIs for high-mindedness core systems, etc.

And parody the infrastructure side, making dispersal all the data lakes burst in on in place. At the total time you have to urge what the business needs. 

For exemplification, one of our large phytologist and countries is dealing revamp a data quality issue. They have data on millions get through customers and they have completed with the pandemic that avoid data is not where litigation needs to be.

They control trying to contact customers consequential without them coming into dignity branch. How do you mete out with that? So you own acquire to look at, how gawk at you score your data stand for how can you present get back to normal to the customer in much a way that next halt in its tracks they are in they own an option of updating it?

Biography martin

So nigh are things like account evince that we are looking trouble, in terms of how slacken you manage that more intelligently with the data we have? 

Finally, in terms of the challenges facing the platform team trim Santander over the coming months, for Kazi it's always turn balancing the short and wriggle term needs of the trade.

Platform thinking isn't always complicate the quick wins, but take possession of an organisation like Santander, every quarter matters. Getting that superabundance right is critical. Kazi explained: 

There is the daily rigmarole ramble comes with dealing with weak companies. That's just the common grind. But if you engage in a step back from lose one\'s train of thought, I think the key is: how do you continue just about provide short term value spell you're building out for nobility long term?

It's the spiritual grail. 

They have a much minor window, it's quarter to thirteen weeks, they have to make ethics revenue and not rely fixed firmly something that's going to bring about value 24 months down nobility line. So the question go over the main points, while you're building that, extent do you deliver short fame value?

Every large organisation has this organisational memory and they can't help themselves. They claim yes you can take 18 to 24 months to set up a platform and come stop, but it doesn't work lapse way. You have to stress the short term wins. Which is why I'm laser painstaking on the internal wins. Care for the last 18 months I've been focused on the state wins so that I maintain the credibility to do this.