NAB Digital Next welcomes Catherine Parry, CEO and Founder of Deepview from London, exploring how cyber defences and compliance are evolving in a world of social media and hybrid working, with NAB's Sandro Bucchianeri (Chief Security Officer) and Brad Carr (Executive for Digital Governance).

Cyber in a Hybrid World, with Catherine Parry

The Chinese experience with new major tech platforms provides key learnings for other markets, as Prof. Douglas Arner of Hong Kong University describes. Prof. Arner also shares the latest thinking on digital identity for corporate entities, as well as the policy challenges where finance and tech intersect, with NAB's Howard Silby (Executive, Innovation and Partnerships) and Brad Carr (Executive, Digital Governance).

Platformisation and Finance, with Prof Douglas Arner

The Nordic nations have long since been leading enablers and adopters of digital ID solutions, with BankID having launched in Norway nearly two decades ago, in 2004. In this episode of NAB Digital Next, host Brad Carr interviews Øyvind Westby Brekke, CEO of BankID, who provides his insights from the Norwegian experience of digital ID.

Digital ID Lessons learned from the Nordics with Øyvind Westby Brekke

Brad Carr and Alysia Abeyratne chat to Jason-Urranndulla Davis about his company Hold Access.  Hold Access is a First Nations-led company that has developed a digital platform called WUNA, a “digitally adapted, modern-day identity message stick” that offers First Nations Australians an opportunity for digital self-determination with digital identity and verified certification.
For more information about Hold Access, see: https://www.humanitech.org.au/resources/hold-access/

Identity Solutions for Indigenous Australia, with Jason-Urranndulla Davis

This episode of NAB Digital Next features internationally recognised thought leader in digital identity and digital money, David Birch.  In conversation with host Brad Carr at NAB’s Melbourne Headquarters during his recent visit to Australia, David shares his thoughts on the role of Digital Identity in countering fraud and scams, the future of identity wallets, the rise of bots, and so much more.

Identity, Fraud & the Rise of the Bots with David Birch

In this episode of NAB Digital Next, Host Brad Carr speaks to Katryna Dow, visionary founder of Meeco, a pioneering company at the forefront of digital ID.

Digital ID and digital autonomy, with Katryna Dow, CEO and Founder of  Meeco

Host Brad Carr speaks with Ivo Jenik, Senior Financial Sector Specialist at CGAP, a financial inclusion focussed think tank, and division of the World Bank.  Covering topics such as microfinance, the use of data, AI and Open Banking - this is a not to be missed conversation, particularly for those interested in how technology and innovation is enabling greater financial inclusion.

Ivo Jenik - Innovation, Inclusion and Open Banking

In the latest episode of NAB Digital Next, host Brad Carr and NAB's Senior Manager for Digital Policy, Alysia Abeyratne are joined by Victoria Richardson, Chief Operating Officer at Meeco and Larissa Beech, Head of Commercial at Certsy to share their reflections on NAB's recent Digital ID Design Sprint.

Digital ID Design Sprint Reflections, with Victoria Richardson and Larissa Beech

In the latest episode of NAB Digital Next, host Brad Carr speaks with a world leader in Digital ID, Rod Boothby, CEO and Founder of ID Partner.
In this podcast Rod, shares his path to creating ID Partner as a trusted network operator and elaborates on his vision to connect to networks globally for those who want to support their customers with digital verification.
Through a conversation that also touches on the Taylor Swift phenomenon and Jennifer Coolidge’s Super Bowl ad, Rod highlights the importance of demonstrating human realness particularly in a world of increased use in AI/bots and deepfakes. He also raises the need for organisations to understand what business they are really in and the key to adopting Digital ID is giving people the choice in the vehicle they most trust.
NAB Digital Next is available on SoundCloud, Apple Podcasts and Spotify.

Fighting Deep-fakes with Digital ID – a discussion with Rod Boothby, ID Partner

In the latest episode of NAB Digital Next, host Brad Carr – NAB’s Executive for Innovation & Partnerships – brings together leaders in innovative payments system to discuss how the industry is making it safer and easier for customers to make purchases.  
Carr speaks with Banked CEO and Founder, Brad Goodall, and NAB Payments Executive, Shane Conway who leads Transaction Banking & Enterprise Payments team.
Goodall shares his journey on how he formed Banked – a payments provider that powers real-time payments for consumers, businesses and banks. He talks about the efficient and safe access to funds for merchants, the opportunity for banks to continue to strengthen their position of trust to customers, to be relevant and adaptive to their evolving needs, whilst ensuring there is choice for the customer.
Conway reflects on the Australian market and shares his perspective on the consumer interest in real time account to account payments. He speaks to the ability for the customer to authenticate via their bank app in a seamless experience, which is especially beneficial in the current environment where fraud and scams are rife.  
NAB Digital Next is available on SoundCloud, Apple Podcasts and Spotify.

Making Payments Safer & Easier in a Digital World, a conversation with Banked CEO Brad Goodall

In the latest episode of NAB Digital Next, guest host Alysia Abeyratne – NAB’s Senior Manager for Digital Policy – talks to a true vanguard in the field of Digital ID, Stephen Wilson.  Stephen is the co-founder of Lockstep Consulting and a leading international authority on Digital ID, cyber security, and data protection.  
 
This episode explores:
•	The importance of language in how we shape and solve problems.
•	What a ‘verifiable credential’ is.
•	Australia’s game-changing Digital ID Bill and how Australia is leading the way with Digital ID governance through the passing of this legislation in the Senate last month. 

Lockstep Consulting website: https://lockstep.com.au
Making Data Better podcast: https://www.makingdatabetter.com/

Talking Digital ID and Verifiable Credentials, with Stephen Wilson

In the latest episode of NAB Digital Next, host Brad Carr, NAB’s Executive Innovation & Partnerships speaks with Deloitte’s Partner for Regulation, Security and Risk Advisory Rita Gatt, and Lead Partner Technology Strategy & Transformation Consulting Niamh McPherson. 

Rita and Niamh share their views from Deloitte’s 2024 Tech Trends Australia Report covering the latest in trends associated with technology forces, including those that drive tech innovation and enable it. 

In this conversation the trio discuss: 
-Spatial computing – technology that integrates digital and physical spaces – optimising what exists today 
-‘Genius In equals Genius Out squared’, where Gen AI outputs are only as good as the data that feeds it 
-Importance of trustworthy AI for banks and financial services institutions 
-Core tech modernisation to enable better fraud and vulnerability detection for customers 
-Emerging technology including cryptographically equipped quantum computers  
-Cheap fakes and deep fakes 

Listen to the full episode on SoundCloud, Spotify or Apple Podcast. 

Tech Trends | Deloitte Australia
https://www.deloitte.com/au/en/Industries/technology/research/tech-trends.html

Trends in Tech Innovation with Deloitte’s Rita Gatt & Niamh McPherson

In the latest episode of NAB Digital Next, guest host Alex Garkavenko, NAB Associate Director in Innovation & Partnerships, Insights speaks with Kriv Naicker, strategic advisor in disruptive technologies and disruptive market models, based in New Zealand. 
  
During the chat, Alex and Kriv focus on: 
•	the concept of ‘hype cycles’ and how they are a useful tool to understand global trends 
•	how we understand the maturity of technologies 
•	how we can experiment on disruptive technologies – such as Artificial Intelligence (AI), quantum computing, geospatial capability – in a strategic way 
•	how disruptive technologies are intensely data driven. 
  
Listen to the full episode on SoundCloud, Spotify or Apple Podcast.

What are ‘hype cycles’ and why are they important to the development of tech?

In the latest episode of NAB Digital Next, guest host John Blicq, NAB Associate Director for Innovation speaks with Carl Wocke, Chief Executive Officer of Merlynn Intelligence Technologies on building digital twins.

Carl and John discuss: 

-	The concept of a ‘digital twin’ - what it is in simple terms   
-	Merlynn Intelligence Technologies’ unique focus on being ‘people driven’, rather than ‘data driven'
-	The possibility for humans to use digital twins to replicate expertise
-	Importance of people in the process, or what is known as 'human in the loop'

Listen to the full episode on SoundCloud, Spotify or Apple Podcast.

Leveraging AI, ‘digital twins’, to improve financial services

In the latest episode of NAB Digital Next, host Brad Carr, NAB’s Executive, Innovation & Partnerships speaks with Michael Nuciforo, Chief Executive Officer of Thriday and Charlotte Cadness, NAB’s Executive Digital Customer & Colleague on the use of a new tool designed to save time and admin for small business – NAB Bookkeeper.

-	How Michael took inspiration from a family run small business to the create Thriday, which is relatable to many a small business
-	Historical siloing of banking, accounting and tax yet an obvious opportunity to synergise to save time
-	Use of AI capability, the ability to read transactions and understand tax implications
-	Automating but with control

Listen to the full episode on SoundCloud, Spotify or Apple Podcast.

NAB Bookkeeper - saving time and admin for small business with Thriday CEO, Michael Nuciforo

In the latest episode of NAB Digital Next, guest host Lance Thornswood, NAB’s Chief Design officer speaks with Stephen Brozovich, Enterprise Strategist at Amazon Web Services about their culture, innovation and transformation. 
  
Their discussion focuses on:  
•	Stephen’s fascinating career journey from web developer to evangelist and strategist. 
•	How easy it is to lose sight of customer obsession in a long chain of value creation. 
•	Staying committed even when the going gets tough. 
•	Durable truths and being ‘uncomfortable’ with customer obsession. 
  
Listen to the full episode on SoundCloud, Spotify or Apple Podcast.

What it means to be customer ‘obsessed’ at Amazon

In the latest episode of NAB Digital Next, guest host Alysia Abeyratne, NAB’s senior manager in Digital Policy speaks with Vinoy Kumar, senior partner at Partners in Performance, on digital finance trends. Partners in Performance is an international management consultancy, which was recently bought by Accenture.

The podcast dives into: 
•	Improving customer experience in financial services and how data and analytics can help. 
•	Emerging trends of collaboration between FinTechs and financial bodies in Asia. 
•	Support of responsible innovative disruptions by regulators

Listen to the full episode on SoundCloud, Spotify or Apple Podcast.

Digital finance trends improving customer service with Vinoy Kumar from Partners in Performance

In the latest episode of NAB Digital Next, host Brad Carr, NAB’s Executive Innovation & Partnerships, speaks with Stephanie Tranquille, an expert in Emotional Intelligence (EI). Formerly of NAB, realestate.com.au and Amazon, Steph managed internal training at AWS APAC, and created the Amazon Ads global speaker coaching program whilst working in the US.  Back in Australia, Steph now runs her own business, working with organisations to increase EI awareness and effectiveness in the workplace. 
 
The podcast dives into:  
•	The importance of EI in business strategy and work culture. 
•	Making space for curiosity and creativity. 
•	The concept of having a generalist mindset, with a specialised skill set 
•	Empathy in leadership. 
•	Adding to your toolkit with upskilling and continuous learning. 
 
Listen to the full episode on SoundCloud, Spotify or Apple Podcast

Emotional Intelligence (EI) in the AI era with Stephanie Tranquille

In this snapshot episode of NAB Digital Next, host Brad Carr, NAB’s Executive Innovation & Partnerships speaks with Jonathan Adams, NAB’s Executive Transaction Banking Product to get his impressions on the some of the major current and emerging digital trends

The conversation covers:
•	Gen AI with an efficiency or productivity context
•	Climate transition and how NAB is helping customers to navigate changes
•	How to enable safer experiences to combat fraud and scams for customers
•	Connected eco-systems including open banking and consumer data right

Stay tuned over the next four weeks as Brad delves more into these topics with experts in these fields for a special weekly ‘snapshot series’.

Listen to the full episode on SoundCloud, Spotify or Apple Podcast.

Snapshot series - current and emerging digital trends

In the second episode of our snapshot series of NAB Digital Next, host Brad Carr, NAB’s Executive Innovation & Partnerships speaks with Jacqui Fox, NAB’s Chief Climate Officer to get her perspective on climate transition

The conversation covers:
•	The energy mix and the grid
•	Charging infrastructure and profile of buildings
•	Democratising household energy

Stay tuned for next week’s episode on safer experiences for our customers

Listen to the full episode on SoundCloud, Spotify or Apple Podcast.

Snapshot series - current major trends – Climate Transition

In the third episode of our snapshot series of NAB Digital Next, host Brad Carr speaks with NAB Executive for Group Investigations Chris Sheehan. 

Marking Scams Awareness Week, Brad and Chris discuss safer experiences for customers amidst a global scams epidemic.

The conversation covers:
•	The importance of creating safer experiences for customers amidst increasing fraud and scam threats.
•	The role of social engineering and technology in enabling sophisticated scams.
•	NAB initiatives including removing links from text messages, real time payment alerts to put some friction into the payment process, and blocks on transfers to crypto exchanges. 
•	The need for Australia-wide collaboration and real-time intelligence sharing to combat criminal activities effectively.

Snapshot series- major trends: Scams and Fraud & enabling Safer Experiences

In this episode of our snapshot series of NAB Digital Next, host Brad Carr speaks with NAB Executive for Data Strategy Execution, Jessica Gleeson, who leads NAB’s GenAI program.

The conversation covers:
-	How far NAB has come on its  GenAI journey, whilst ensuring the bank is acting safely and protecting customer data.
-	The way in which GenAI is helping NAB to get to answers quickly as an enabler to serve customers better. 
-	The importance of getting your hands on the tools to ‘test and learn’ 
-	The rapid evolution of the technology and the way in which it is increasingly being embedded in everything we do.

Stay tuned for the next and final episode in this snapshot series which spotlights connected ecosystems and payments.

Snapshot series, current major trends - GenAI

In the final not to be missed episode of NAB Digital Next's snapshot series, host Brad Carr speaks with NAB’s Executive for Digital Platforms, Nicholas Harrap. 

The conversation covers:
•	core thematics of co-ordination, convenience and trust within connected ecosystems and the need to minimise complexity for customers in this journey.
•	opportunities presented by the Consumer Data Right for everyday use cases that deliver value to customers, including cashflow analysis and multi-sector insights.  
•	the criticality of digital identification in the future of connected ecosystems and how this might play out as we move to a world where AI agents are commonplace.

Snapshot series - current major trends - connected ecosystems

In the latest episode of NAB Digital Next, host Brad Carr speaks to leading UK payments and digital identity expert David Birch, during his recent trip to Australia and New Zealand. 

In this episode, David shares his reflections on:
-	The Australian digital ID landscape including developments with mobile drivers licences, ConnectID and TeX.
-	Increase in fraud globally and concerns about the continuing exclusion of telcos and social media companies from the compensation schemes in the UK Contingent Reimbursement Model.
-	What prompted David and Victoria Richardson, Chief Operating Officer of Meeco,  to co-write their book ‘Money in the Metaverse: Digital Assets, Online Identities, Spatial Computing and Why Virtual Worlds Mean Real Business’, a very thought provoking and forward looking read
-	The role for banks in enabling safer experiences for customers, including providing safe infrastructure

Reflections on digital identity, fraud and ‘money in the metaverse’ with David Birch

In the latest episode of NAB Digital Next, host Brad Carr speaks to former Premier of South Australia, Steven Marshall regarding future focussed industries and their growth in Adelaide.  

In their not to be missed conversation the pair discuss: 
-	How the space industry excites and inspires other areas of science.
-	The way in which Adelaide’s ecosystem allows for collaboration and cross pollination of ideas.
-	Opportunities presented by AI and the need to continue learning and upskilling in this area.

Reflections on future industries in South Australia, including the growing space sector

In the latest episode of NAB Digital Next, guest host John Blicq, NAB Associate Director for Innovation, speaks with Lucio Ribeiro, one of Australia's most respected digital and innovation executives. Lucio, a tech columnist for Forbes, a former lecturer of Digital Marketing and AI at RMIT University, and one of the 100 most influential digital marketers in the world has held senior marketing roles at Optus, professional consultancy and Seven. Currently the Director of AI at an ASX-listed company, Lucio brings his unique experience in bridging the gap between strategic vision and practical implementation in Technology and Generative AI, positioning him as a leader in corporate Australia.

During the episode, they discuss:

- How Lucio’s experience at major companies like Optus and Seven has shaped his approach to driving digital transformation
- His insights on the Metaverse, including real-world applications and future potential
- The role of Generative AI in shaping productivity, customer experience, and digital transformation across industries

Listen to the full episode on SoundCloud, Spotify, or Apple Podcasts.

Innovation Technology with Lucio Ribeiro

In the latest episode of NAB Digital Next, host Brad Carr speaks with Andrew Black, Managing Director of ConnectID, an initiative of Australian Payments Plus. ConnectID is an Australian owned digital trust network, that allows individuals to use existing partners – such as banks – to verify themselves (for example, when being served at a bar or applying for a rental). 
 
The episode explores: 
•	ConnectID’s journey as it marks significant growth during its first year of operation 
•	How Connect ID helps to limit the amount of data Australians have to share to prove their identity 
•	How ConnectID can help reduce businesses risk and data footprint 
•	The need for more education around ConnectID and its benefits  
•	The need to collaborate better and faster together  
 
Listen to the full episode on SoundCloud, Spotify or Apple Podcast.

How customers can benefit from digital ID

In the latest episode of NAB Digital Next, host Brad Carr speaks with Professor Carsten Murawski about considerations for a near future world when consumers will have their own AI agents (bots). Professor Murawski is a Decision Scientist at University of Melbourne and Director at the Centre for Brain, Mind and Markets.
 
The episode explores: 
•	How to improve decision making by leveraging technology including AI agents
•	Developing trust with AI agents https://vimeo.com/264224691/a2eb75f694?share=copy
•	Creating easy and accessible digital design

Listen to the full episode on SoundCloud, Spotify or Apple Podcast

Future of emerging trends – consumers’ own AI agents

In the latest episode of NAB Digital Next, host Brad Carr speaks with Ben Gill GAICD, MBA, Affil.AIRAH. Ben is the CEO of Plasma Shield, a company delivering cutting edge technology to deliver cleaner air and smarter energy use solutions; highlighting some of the ground breaking innovation technology originating from South Australia.
 
In an inspiring and hopeful discussion, the episode explores: 
•	Need for safer air, in particular for people who are immunocompromised
•	Patented technology for cleanest air in the world
•	Applying lessons learnt from historical breakthroughs in health
•	How we can have both cleaner air and reduced emissions
•	An exciting new patent coming soon 

https://plasmashield.com.au/
https://www.saferairproject.com/
 
Listen to the full episode on SoundCloud, Spotify or Apple Podcast.


Innovations in health and energy efficiency

In the final episode of NAB Digital Next for 2024, host Brad Carr speaks with Steve Suarez on the rise of Quantum Computing. A specialist in Quantum, Steve was previously the Global Head of Innovation at HSBC and is now the Founder and CEO of HorizonX Consulting (www.horizonxc.com)

It’s a fascinating episode that explores: 

•	Balancing the now and the future
•	Opportunities and challenges with the rise of Quantum
•	Future of the space economy, climate resistant crops and supply change optimisation
•	Launch of the Quantum innovation index
 
Listen to the full episode on SoundCloud, Spotify or Apple Podcast.


Emerging Trends : The Rise of Quantum Computing

NAB Digital Next is a National Australia Bank podcast on the rise of the digital economy. Hosted by NAB Executive Brad Carr, the monthly podcast brings in the view of global leaders to discuss a range of trends that are changing the lives of consumers around the world such as open data, digital ID, digital skills of the future and much more.

NAB Digital Next

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