Video: Welcome to Elevate Online | Duration: 210s | Summary: Introduction session for Elevate Online. Video: The Agentic AI opportunity: lifting productivity for better economic, business and employee outcomes | Duration: 1360s | Summary: In a business environment where productivity is constraining economic and business growth, we have an unprecedented opportunity to augment employee productivity with digital labor, in the form of AI & Agentic AI. By adopting an AI-mindset, we stand to reap the gains on offer from AI, and avoid the fear-based narratives. Now is the time to prepare your organisation for this seismic workforce shift, examine the reskilling and workforce planning required, and explore how you will take your organisation on the journey.Resources:Ebook: Critical Success Factors to Enterprise AI AdoptionWorkday Blog: 10 Hard Truths About Enterprise AI Adoption Video: Forward thinker customer fireside chat with Hungry Jack’s | Duration: 2185s | Summary: How does a leading brand like Hungry Jack's fuel consistent growth? Join us for an exclusive fireside chat with their CPO to uncover their strategic approach to building a powerful workforce management plan. Learn how they've seamlessly integrated recruitment and talent development to drive organisational expansion. Discover key insights into attracting top talent, developing future leaders, and fostering a resilient workforce. This is a unique opportunity for executive leaders to gain actionable strategies for leveraging their people as a core driver of success.Resources:Workday Customer Stories Video: Workplace mental health and productivity: contemporary solutions to life's polycrisis with Beyond Blue | Duration: 2178s | Summary: Hear from Beyond Blue CEO Georgie Harman on how this period of existential adaptation is shaping mental health in the workplace, and how employers can optimise the mental health of their people.Resources:Workday Blog: From Stress to Synergy: HR’s Burnout ImperativeWorkday x Beyond Blue Case Study Video: Riding the next wave: Agentic AI and the future of business with Workday Illuminate | Duration: 2346s | Summary: Businesses stand at the edge of a powerful new transformation—one driven by Agentic AI and defined by unprecedented speed, scale, and adaptability. In this session, we’ll explore how to make the critical decisions today that will set your organisation up for success tomorrow. Cut through the hype to understand the real potential of Agentic AI, and discover how Workday Illuminate is a strategic catalyst in navigating this next era of intelligent enterprise.Resources:Workday Blog: Top AI Agent Examples and Industry Use CasesWorkday Blog: The Agentic Wave: A New Era of Workforce ManagementWorkday Blog: If Agents Become Your Digital Workforce, How Will You Manage Them?Whitepaper: Responsible AI: Empowering Innovation with IntegrityGuide: Innovations in Artificial Intelligence: Delivering the Power to Adapt Video: Unlock Deeper Talent Insights with HiredScore | Duration: 2552s | Summary: Optimise your hiring for efficiency and impact with HiredScore. This workshop will explore how HiredScore’s AI-powered talent orchestration platform improves recruitment productivity and drives better hiring outcomes. Participants will learn to leverage HiredScore to automate processes, accelerate time-to-hire, and enhance the overall quality of their talent acquisition.Resources:Ebook: AI-Powered Talent Acquisition and Mobility: Speed to Iconic OutcomesWorkday Blog: Why HR Needs an AI-First Mentality Video: Harnessing AI for Contract Management | Duration: 1306s | Summary: Discover the power of artificial intelligence in contract management. This workshop explores how Evisort’s cutting-edge AI technology can revolutionise your contract processes. We’ll delve into AI-driven contract analysis, risk assessment, and data extraction, demonstrating how Evisort transforms contracts from static documents into strategic assets.Resources:Gartner Magic Quadrant Report: Gartner has named Evisort a Visionary in the 2024 Gartner® Magic Quadrant™ for CLMForrester Wave Report: Evisort makes a splash in the 2025 Forrester Wave™ for CLM! Video: Workday Extend in Action: An Innovation Journey | Duration: 1542s | Summary: Discover the real-world power of Workday Extend in this session. Learn firsthand how Workday Extend can be leveraged to build custom solutions, streamline processes, and address unique organisational needs. This session will provide practical insights and inspiration for unlocking the full potential of Workday Extend within your own organisation.Resources:Workday Extend: A Jump-Start GuideDatasheet: Workday Extend Video: HR: Customer conversations with Bunnings, Guzman y Gomez and Anglicare | Duration: 2225s | Summary: Learn how leading organisations are embracing HR transformation to drive success. Hear their stories and gain valuable insights in this informative session.Resources:Report: Elevating Human Potential, The AI Skills RevolutionWorkday Blog: From Upskilling to AI7 Eleven x Workday Case Study Video: Leveraging Payroll as a Strategic Resource | Duration: 1280s | Summary: Are you ready to transform your payroll function from a transactional back-office function into a genuine strategic asset? In this exclusive Elevate on-demand session, join Allyson Skene, Workday's VP of Global Product Vision and Experience, as she unveils how modern payroll can redefine your organisation's success.Resources:Maximise Payroll Performance with AI & Automation WebinarCustomer Story: CognizantCustomer Story: Federation UniversityReport: Global Strategic Payroll Video: Forward thinking HR: Future proof your workforce | Duration: 2796s | Summary: The future of work is here, and it's being driven by the rise of AI and the need for agile, skills-based organisations. This session provides Australian HR leaders with a roadmap for understanding the key challenges and opportunities for HR leaders, driving strategic workforce planning to ensure you have the right talent, in the right place, at the right time, embracing AI to automate, augment, and enhance HR functions, and are building a culture of continuous growth and development.Resources:Report: Forever Forward HR Leader APJReport: AI Skills Revolution7 Eleven x Workday Case Study Video: CFO ADAPT Insights: 3 things top performers do for the most success in AI | Duration: 2245s | Summary: Drawing on ADAPT's recent research on Agentic and GenAI across 800 Australian business leaders, Dr Michael will explore the key factors that contribute to AI success for CFOs. AI is now a strategic priority with 70% of respondents planning to increase their investment, however, only 25% of organisations have automated workflows, highlighting a gap between AI readiness and actual implementation. Learn the 3 things top performers do for AI success, how to track long-term value and ROI, and which internal measures set the leaders apart.Resources: Workday Blog: How AI Is Changing Corporate Finance in 2025Workday Blog: The Agentic Wave: A New Era of Workforce ManagementReport: Global CFO AI Indicator Video: Moving the Office of the CFO Forever Forward | Duration: 2380s | Summary: The potential for accounting and procurement teams to make strategic business impact has never been greater. Together, we’re charting a course to unlock this potential and harness the power of data, people and processes. Join this session to learn about the latest enhancements in AI, analytics and user experience, and see where we’re heading next.Resources:Report: CFOs and CIOs as Change Agents Leading the Operational Efficiency TransformationReport: 2024 Gartner® Magic Quadrant™ for Cloud ERP for Service-Centric EnterprisesQuick Demo: Workday for Finance Leaders Video: Getting Started with AI for FP&A | Duration: 950s | Summary: In today's dynamic environment, FP&A professionals are challenged to optimize forecasting, data analysis, and reporting capabilities. AI is redefining the strategic potential of the FP&A teams, enhancing efficiency, accuracy, and allowing FP&A teams to operate at their best.Join us to hear the tangible impact of AI on FP&A and practical tips for preparing your team and technology to embrace this transformation.Resources:eBook: Getting Started with AI for FP&A: Practical Steps Toward Greater Business ImpactAdaptive Planning DemoAdaptive Planning Free Trial Video: From black box to finance powerhouse: how Insignia reshaped their future of finance | Duration: 2342s | Summary: What if finance didn’t just report the numbers — but shaped the story? Join us as we unpack how Workday Accounting Centre transformed Insignia from operating in the dark to leading with clarity, control, and confidence. Plus, get a glimpse into how agentic AI is set to revolutionise finance even more. This isn’t just a tech upgrade — it’s a bold new future for finance.Resources:Workday Accounting CenterQuick Demo: Harness the Power of Data for More Complete Insight Video: Riding the next wave: Agentic AI and the future of business with Workday Illuminate | Duration: 2346s | Summary: Businesses stand at the edge of a powerful new transformation—one driven by Agentic AI and defined by unprecedented speed, scale, and adaptability. In this session, we’ll explore how to make the critical decisions today that will set your organisation up for success tomorrow. Cut through the hype to understand the real potential of Agentic AI, and discover how Workday Illuminate is a strategic catalyst in navigating this next era of intelligent enterprise.Resources:Workday Blog: Top AI Agent Examples and Industry Use CasesWorkday Blog: The Agentic Wave: A New Era of Workforce ManagementWorkday Blog: If Agents Become Your Digital Workforce, How Will You Manage Them?Responsible AI: Empowering Innovation with IntegrityInnovations in Artificial Intelligence: Delivering the Power to Adapt Video: Technology: Customer conversations with RMIT University, Guzman y Gomez and Commonwealth Bank | Duration: 2193s | Summary: Learn how leading organisations are embracing IT transformation to drive success. Hear their stories and gain valuable insights in this informative session.Resources:Workday Blog: Top AI Agent Examples and Industry Use CasesWorkday Blog: The Agentic Wave: A New Era of Workforce ManagementWorkday Blog: If Agents Become Your Digital Workforce, How Will You Manage Them?Whitepaper: Responsible AI: Empowering Innovation with IntegrityGuide: Innovations in Artificial Intelligence: Delivering the Power to Adapt Video: Let's get practical: turning Workday's AI innovations into action | Duration: 2234s | Summary: Hear from our forward-thinking enterprise architects on how to turn these strategies into action. Learn through real examples how Workday’s latest innovations - including Illuminate features, our Agentic System of Record, and the AI-powered Extend Marketplace - are helping CIOs master their strategic balancing act: driving AI innovation, simplifying their system landscape, and governing risks around data integrity, auditability, and responsible AI management.Resources:Workday Blog: Top AI Agent Examples and Industry Use CasesWorkday Blog: The Agentic Wave: A New Era of Workforce ManagementWorkday Blog: If Agents Become Your Digital Workforce, How Will You Manage Them?Whitepaper: Responsible AI: Empowering Innovation with IntegrityGuide: Innovations in Artificial Intelligence: Delivering the Power to Adapt Video: KPMG: Navigating the AI Revolution: from hype to strategic implementation | Duration: 2209s | Summary: Artificial Intelligence (AI) is rapidly transitioning from a futuristic concept to a tangible force reshaping businesses worldwide. Organisations today face the challenge of moving beyond the hype and strategically implementing AI to achieve genuine AI readiness. This fireside chat, featuring Steve Pratley, Partner and Finance Transformation Lead at KPMG, we will delve into the key drivers pushing organisations to prioritize AI, the common hurdles encountered in implementation, and the essential components of an AI-ready organisation. We will explore KPMG's approach to guiding clients through this complex landscape, including practical examples of successful AI integration and strategies for leveraging innovation for a future powered by Agentic AI.Resources:Workday Blog: Top AI Agent Examples and Industry Use CasesWorkday Blog: The Agentic Wave: A New Era of Workforce ManagementWorkday Blog: If Agents Become Your Digital Workforce, How Will You Manage Them?Whitepaper: Responsible AI: Empowering Innovation with IntegrityGuide: Innovations in Artificial Intelligence: Delivering the Power to Adapt Video: Reshaping Expertise: The Evolving Role of the Professional | Duration: 1318s | Summary: AI, client expectations and talent shortages – the pressure is on for Professional and Business Services firms. But what if these challenges were actually opportunities in disguise? Backed by new research, we’ll explore the real-world strategies firms are implementing to conquer margin pressures, attract top talent and leverage AI for transformative growth. Learn how to turn disruption into a competitive advantage and achieve results.Resources:Trust in AI | Global insights 2025 - KPMG AustraliaWhitepaper: Create Competitive Advantage for Professional Services by Leveraging Technology and Workflow Automation Video: Industry Insights - The role of AI in transforming customer experience in Financial Services | Duration: 980s | Summary: For too long, financial services organisations have talked about the power of data and the need for technology modernisation. But talk alone won’t drive transformation – and turning vast data sets into timely, actionable insights is critical. In this session, we’ll explore how forward-thinking FS leaders are modernising their technology, activating data, and embracing the latest AI innovations to enable smarter decisions, faster reporting, and greater agility—so teams can seize opportunities in real time.Resources:Trust in AI | Global insights 2025 - KPMG AustraliaGlobal CFO AI Indicator Report Video: AI-Driven Healthcare: Shifting Care Forever Forward with mecwacare | Duration: 2580s | Summary: The healthcare industry faces unprecedented environmental and regulatory challenges, including rising costs, workforce shortages, and the increasing demand for personalised care. To navigate this complex and changing landscape, health services and Not-for-Profits are leaning into the need to build AI powered, sustainable and human centered operations. Tune in to hear how organisations are leveraging technology to expand their positive impact for clients and the community.Resources:Podcast: AI in Healthcare: Revolutionizing Operations and Patient CareWorkday Blog: AI Agents in Healthcare: Top Trends and Use CasesCustomer Story: AnglicareCustomer Story: Genesis Care Video: Illuminating the future of Higher Education with Workday Student | Duration: 1966s | Summary: Join us for an insightful session delving into Workday Student. We'll unveil how our powerful AI platform is revolutionising Higher Education by delivering actionable insights and driving transformative outcomes. Discover the tangible value Workday Student brings to educational institutions, empowering them to streamline operations, enhance student experiences, and achieve strategic goals. This session will begin with a business update, followed by an exploration of the customer value Workday Student delivers. Following this, we will outline the customer roadmap for Workday Student and conclude with a showcase of Workday AI Illuminate and its impact on higher education.Resources:Workday Student DatasheetWorkday Student OverviewWorkday Blog: Transfer Credits: Supporting Student Mobility in Higher EducationWorkday Student Quick DemoWorkday Student Customer Testimonials Video: Student: Customer conversations with University of Arkansas System | Duration: 2156s | Summary: This session offers higher education leaders, IT professionals, and administrators a real-world case study, providing actionable insights for your institution's digital transformation.Resources:Workday Student DatasheetWorkday Student OverviewWorkday Blog: Transfer Credits: Supporting Student Mobility in Higher EducationWorkday Student Quick DemoWorkday Student Customer Testimonials Video: The power of Workday Student, overview and product showcase | Duration: 2825s | Summary: This session will showcase key capabilities of the Workday Student product, and how they can benefit your institution. We’ll focus on the student experience, key administrator personas, and institutional insights from reporting through to analytics.Resources:Workday Student DatasheetWorkday Student OverviewWorkday Blog: Transfer Credits: Supporting Student Mobility in Higher EducationWorkday Student Quick DemoWorkday Student Customer Testimonials Video: Get hands on with Workday Student | Duration: 1336s | Summary: Discover the Student experience by getting hands on with Workday. Join us for an interactive session that will have you exploring the student journey in Workday on your mobile device followed by an interactive quiz to test your knowledge.Resources:Workday Student DatasheetWorkday Student OverviewWorkday Blog: Transfer Credits: Supporting Student Mobility in Higher EducationWorkday Student Quick DemoWorkday Student Customer Testimonials Video: Unlock Efficiency and Elevate Experiences: Local Government Success with Workday | Duration: 1285s | Summary: Join us to hear how local government customers who have chosen Workday to drive significant improvements across their organizations. This session will highlight tangible results in enhanced service delivery, reduced operational costs, and a more streamlined and positive employee journey. Explore how Workday can help your council achieve similar outcomes.Resources:Report: Navigating Seismic Change in the Public Sector: Embracing a New Era in Public ServiceEbook: How Six Governments Shifted Their Finance and HR Operations to the Cloud Video: Laying the Foundation: Strategies for Successful Workday Implementations in State and Federal Governments | Duration: 1692s | Summary: Workday implementations in state and federal governments are not just about technology; they are about enabling organisational transformation. This session examines how to align Workday deployments with broader strategic goals, fostering a culture of innovation, and building a future-ready foundation. Discover how to leverage Workday to drive efficiency, improve service delivery, and empower your workforce for years to come.Resources:Workday Public Sector for AustraliaGuide: Six Reasons Why Government Organizations Choose WorkdayEbook: Workday for Government Video: Forward thinker fireside chat with Bunnings | Duration: 2468s | Summary: Discover how forward thinkers are turning change into a catalyst for growth. Hear a firsthand account of a successful transformation at Bunnings and gain valuable insights into building a culture of adaptability in this fireside chat.Resources:Workday Customer Stories Video: Technology: Customer conversations with Reserve Bank of New Zealand & Xero | Duration: 2252s | Summary: Learn how leading organisations are embracing IT transformation to drive success. Hear their stories and gain valuable insights in this informative session.Resources:Workday Blog: Top AI Agent Examples and Industry Use CasesWorkday Blog: The Agentic Wave: A New Era of Workforce ManagementWorkday Blog: If Agents Become Your Digital Workforce, How Will You Manage Them?Whitepaper: Responsible AI: Empowering Innovation with IntegrityGuide: Innovations in Artificial Intelligence: Delivering the Power to Adapt Video: Finance: Customer conversations with Heartland Bank | Duration: 2025s | Summary: Learn how leading organisations are embracing Finance transformation to drive success. Hear their stories and gain valuable insights in this informative session.Resources:Workday Blog: Finance Digital Transformation: What Does It Even Mean?Quick Demo: Workday for Finance Leaders Video: Evolving with Confidence: Southern Cross’s Workday Journey with Datacom | Duration: 1757s | Summary: In this fireside chat, Jess Hayes shares how Southern Cross Health Society is evolving its Workday instance to meet the demands of a regulated, people-first environment. From simplifying compliance workflows to transforming learning delivery, this session highlights how strategic enhancements—delivered in partnership with Datacom—are driving measurable impact. Whether you're navigating regulatory change, scaling learning programs, or looking to get more from your Workday investment, this session offers practical insights and proven strategies from a team that’s done it—with the right partner by their side.Resources:Case Study: Southern Cross Health Society leads with data-driven decisions.Case Study: Anglicare empowers its people to make better financial decisions.Workday Blog: Navigating the Aged Care Act: Key Priorities for Providers in 2025 Video: Beyond the balance sheet: How the University of Canterbury is reimagining with Accenture | Duration: 2347s | Summary: What if finance didn’t just report the numbers — but shaped the story?For the University of Canterbury, modernising core finance systems is just one part of a broader transformation journey. In partnership with Accenture, the university is using Workday to go beyond modernising core processes by tackling complex challenges that unlock tangible value. Discover how the University of Canterbury is using Workday across its operations while elevating finance from a back-office function to a strategic enabler, driving clarity, control, and confidence.Plus, get a glimpse into how agentic AI is set to revolutionise finance even more.This isn’t just a tech upgrade — it’s a bold new future for finance.Resources:Press Release: University of Canterbury Selects Workday to Build World-Class Digital Capability Video: Driving next level productivity | Duration: 2678s | Summary: Rapid business change requires agile workforces. Learn to leverage AI tools for streamlined workflows, personalised development and talent discovery. We'll cover best practices for fostering continuous learning and collaboration, enabling you to navigate disruption and build a resilient, future-ready workforce through Workday’s AI Illuminate.Resources:Workday AI AgentsReport: AI Skills RevolutionWorkday Blog: From Upskilling to AI Adoption: A Leader's Guide

Transcript for "Industry Insights - The role of AI in transforming customer experience in Financial Services": Welcome to Workday Elevate online, and thank you for joining us. I'm Luke Bebbington, and I lead our financial services strategy across Asia Pacific here at Workday. Now the past few years have tested the resilience of financial institutions, Persistent inflation, interest rate volatility, market volatility, evolving regulatory expectations, and an ongoing war for talent have forced firms to adapt at pace. And at the same time, technology, particularly AI, is fundamentally reshaping how organizations function. Workday sits at the intersection of finance, people, and technology. And today, I'm excited to explore how financial institutions are managing risk, modernizing platforms, and using AI as a lever for performance. I'm joined by Brad and James from KPMG who bring a valuable perspective grounded in both global insights and the Australian and New Zealand markets. Brad, James, welcome. Thank you. Thank you, Luke. Now let's get us going. Would you like to briefly introduce yourselves and share a bit about your focus at KPMG? Great. Thank you, Luke. My name is Brad Duffy. I'm a financial services partner at KPMG, and I lead our artificial intelligence services for the financial services sector. So what that means is I get to spend all my time working with our banking, insurance, and asset and wealth management clients to help them scale AI, but also do it in a really safe and responsible way. Awesome. Thank you, Luke. My name is James Mabbit. I'm partner in charge for KPMG Futures, and our role in the firm is to bring to life future technologies and new businesses to accelerate and create a better future for our clients. So we specialize in research, experimentation, and incubation, and AI is one of the technologies we're focused on. Thank you both. Some great experience there. Now before we get started, let's have a little bit of fun. Fun is actually one of our core values here at Workday. So since we're talking a lot about AI, and you both have a lot of experience in that, let's share one of your more fun or unexpected ways that you use AI, whether it's at work or at home. Yeah. Look. I'm really excited about the ability to use AI with my smart devices at home. It's really great to be able to orchestrate my vacuum, my climate control system, so it all knows what I'm gonna do and when. And it's interesting because I think we're now seeing those technologies and those the the those starts at some sorts of smart use cases really entering into the workforce. And I just wish I was having as much fun as Brad. So I I I tend to push the envelope on hallucinations. That's where I like to do it. And particularly at work, I like to look at those hallucinations because the predictive nature of AI, again, maybe that's telling us where the future will go. And in our work, that's what we're trying to understand. So we like to push it hard, see what hallucination comes out of that, and maybe that's where we're gonna focus next in terms of the work we do. Awesome. Thanks both. I love it. The smart home and then also focusing there on actually the hallucinations, as well and the challenges that that brings, with AI. So thanks both for that. So to get us started, KPMG's recently, released a financial services, tech report. And there were three key themes that emerged, from that that report. So if I just call out a couple of the key statistics that I took away from that report. Firstly, in regards to, the complex developments in regards to regulation, 75% of financial services executives have highlighted that complex regulatory environment as a barrier to investment, confidence. And then secondly, 92%, of the organizations are generating profits from AI, which is great to see, but only 30% are seeing returns at scale. And then finally, 58%, of respondents report that flaws in their foundational IT systems are actually disrupting their business on a day to day basis. So a question to you both from this report. What does this actually mean for financial services leaders, and what separates those realizing value from those still stuck in pilot mode? Look. It's a it's a really interesting area to explore. And I think at a very top line, what we're hearing from our financial services clients globally, as well as here in Australia, is that there is a significant amount of investment happening in AI, but the real potential has not yet been reached. And the power of AI is not yet being exhausted. One of the things that we're seeing over the last two years is a real focus on pilots and proof of concepts, and there's now a big push to get those use cases actually into production and realizing a greater level of value. And I think the use case focus is really important. And those organisations who we see as being really successful but also sustainable at scaling their AI programs are those ones who are identifying the use cases that they wanna drive with the benefit profile attached to that and really having a level of energy and passion to get those use cases into production and delivering real value and avoid getting stuck in endless pilots and proofs of concept. Yeah. And I think just building on what, Brad was saying, a couple of things. One, I don't think we should be surprised that people are experimenting still. We're still pretty early actually in some ways. Like, we're two years into the generative AI revolution and and what that means for financial services. So I think, you know, taking a considered approach and looking for validation with customers and inside the organization makes sense. And then to Brad's point, where you find that working is when you've got a real problem you're trying to solve. I think that's the other bit that's important here is focusing on real problems, real use cases, and trying to solve those. That's where we're seeing clients be successful. Absolutely. Yes. And it's really good point to call that. Right? Focusing on those problems, the challenges that you're facing rather than just throwing technology, at everything. Financial services firms are understandably among the most heavily regulated, and that makes trust, governance, and accountability essential as AI adoption grows. We're starting to see new frameworks emerge to support responsible use such as ISO 42,001, the first international standard for AI management systems. In fact, KPMG was one of the first organizations globally to be certified. And Workday is also proud to be among the first enterprise AI platforms to meet the standard. So Brad James, how are leading banks and insurers, investment management firms striking a balance between innovation and control? And what do frameworks like the ISO standard play in building trust, both internally and with regulators? I think, Luke, trust is really important, not only from regulators but also from customers or members as well. And we only need to look at what's going on globally in this really rapidly evolving regulatory space around AI to start to identify some core principles that are really being associated with the use of AI, but the use of AI in a trustworthy and a responsible way. Here in Australia, we have the voluntary AI safety standard. There's acts abroad like the EU AI Act, And we're seeing a number of financial institutions really anchoring their trusted AI programs against many of the principles that are in those key standards or regulations. And then the ISO standards you mentioned is also introducing new considerations. But I think it's really important that financial services organizations are not holding themselves back from their AI programs and waiting for more regulation. There's already a lot of precedents and principles and regulations that we can look to, and we're seeing a number of organizations really accelerating their use cases, but creating trusted AI frameworks and policies and processes that are anchored in what we're seeing both here locally as well as globally. And I think this is a really good point that Brad makes because our research particularly around trust shows that where organizations have in place good governance practices, so the sorts of things that Brad's talking about, the frameworks, identified use cases, policies, guardrails within an organization, coupled with a clear strategy of execution. So knowing where you wanna play and the right sort of cultural settings, and I think this is an important point because regulation in Australia does talk to things like your risk culture. So getting those things right sets you up for success. And that's where the good financial services institutions who are gonna be successful are gonna get things right. Absolutely. And in that trust report that you mentioned there, James, we're talking about it earlier, but there's a big gap, between education, around AI and how to use it responsibly in the workplace, here in Australia versus, overseas. Did you want to just touch a little bit on on that as well? Yeah. That's a good point you make, Luke. The literacy and education side of things is really important. And so those financial services organizations that focus on trying to build literacy amongst their employees are the ones that are also gonna create a better environment to support success because where you've got good literacy, people begin to do things like think critically about the tools they're engaging with. They also understand the limitations and the ways in which those tools operate so they know how to safely use those tools in order to meet the needs of customers. So literacy and education is a really important area to focus alongside those governance and strategy pieces as well. Yeah. Absolutely. And I know at Workday, a big focus of ours is making sure that responsible AI is baked into all the products and features that we deliver so that it's fully, explainable, it's fully auditable, so that organizations can understand, exactly what's going on. So, look, we've seen AI move, at a really fast pace here. It's moved from predictive models, and machine learning to generative AI in a in a very quick, time period. And it feels like we're already, entering a new chapter where GenTec AI and autonomous workflows could fundamentally change how how work is gonna be, is done, again. So could you talk us through how you were seeing financial institutions begin to experiment, with these new advanced forms of AI and maybe touch on some use cases, that that you've seen which are closest to moving from hype to reality. Yeah. Absolutely, Luke. What we're seeing in the financial services sector over time is it's been an area where there's been really early adoption of a lot of new emerging technologies, and we're seeing similar things around the use of AI as well. There are some really great AI use cases here locally as well as globally in the sector across a number of really key areas, across the customer service and customer support functions where we're seeing the ability for AI to better serve customers, but also to identify customers who could be at risk of things like hardship and may need some extra support. In the financial crime and fraud prevention space, there's lots of really good use cases for AI to help support customers who might be, being targeted in fraud and scams and also look at the large volumes of data associated with transactions to identify patterns of fraudulent activity. And then finally, the area that I I think is of most interest to me is around regulatory compliance. We're seeing a significant number of financial services organisations focusing use cases on uplifting their risk, their compliance, and their controls function, and really trying to understand what their compliance obligations are and ensure they have the right controls and compliance coverage over those. And it's really important to know that this doesn't always mean we're going to see the rise of these AI agents or Agintiq AI directly interacting with customers. We're likely to see that, but we're also going to see some use cases where those those agents are augmenting and supporting team members, and providing new insights that team members may not be able to experience. And I think that's where we're gonna see a huge focus in the year ahead is around this agentic AI framework, and and use case structures, where we've got technology which is operating much more autonomously, still, of course, with human oversight and human in the loop for those critical critical moments and critical times, but less of a focus on having to have all of the AI solutions prompted and directed by a team member at all times. Yeah. I think it's really interesting some of those use cases and, particularly, I think the compliance and fraud type spaces because, traditionally, I think applications like those within a financial services organization typically get looked at it as a bit of a cost to serve and there is an efficiency and an efficacy story around the use of AI. But also what we're seeing here is a quality uplift piece as well, so a better outcome too. So I think you can drive both of those outcomes. You can get more efficient and effective in those areas whilst raising the standard of what you're doing in that compliance and fraud detection function too, which I think is fantastic. On the eugenics side, more generally too, I think publicly, you know, it's been well documented in the buy now pay later space for example, the journey that Klarna has been on and what they've done with regards to Agenix AI. And they were quite bullish and out there and saying, you know, we're going to drive very hard at this. Their call center example is one that's been well documented in the public space. But recently, you know, they announced that they're actually gonna have to hire a few more people as well. And so I think to Brad's point that shows the importance of having humans in the loop. It's not like you can take people out of the equation altogether, and I think it's really important to get that balance right between where you apply these technologies, the type of outcome you're trying to achieve, and making sure that you still got people in the loop because you want to make sure ultimately that you're delivering to your customers. Absolutely. That's very consistent with what we hear from our clients as well, where teams are stretched, trying to drive the operational efficiency within the organization, and also to spend more time to actually focusing on the business, helping to drive that business strategy is very much sort of top of mind. And thirdly, talent is always a struggle, trying to find the right talent for the organization, talent that, is continuously evolving as new skills come to the forefront as a result of these, changes, right, in AI that we've talked through as well. I think agents, we're also seeing as a big move, at Workday, particularly as we're seeing, these agents start to actually act and and take those actions, whereas previously, the generative AI was often creating content or summarizing content as well. Here at Workday, we've recently released two agents, that are live. One on the finance side of things in regards to analyzing contracts, redlining those contracts. And then the next stage of that, that we're working on right now is actually document driven accounting, which is really exciting, area, which we don't have time to jump into today. The other area, hide score, is a great use case of agents that are acting out there today with our customers and actually helping drive that recruitment process and onboarding of employees, organizations as well. So it's a really exciting time as we work with organizations to drive organizations forward. Thanks again, Brad and James, for the great discussion. What stood out to me is how most forward looking financial services organizations are juggling three priorities at once, fixing core systems that regularly disrupt operations, navigating increasing regulatory pressure, and still pushing ahead with AI innovation. The fact that only 32% of firms are seeing AI deliver returns at scale really highlights how tough this balance is. But there's clear progress. With standards like ISO 42,001 now in place and AI agents starting to take on practical everyday tasks, the path forward is becoming clearer, one built on strong governance, modern platforms, and enabling teams to focus more on meaningful value adding work. If you'd like more information on the reports discussed in today's conversation, check out the link on your screen now. Thanks again for joining us.