The world is changing very quickly It’s a fast-paced society and business actually reflects that as well. You need to be curious about the future and what that’s going to bring. You need to have empathy with your customers and understand what their needs and expectations are. You need to think laterally. You need to think outside of the box to have that creativity that means you’re coming up with new solutions and new products. We need to focus more on those soft-skills. They’re the things that are actually going to make a difference. Because no matter how intelligent a chatbot gets, it’s still not going to be able to have the same empathy, the same curiosity, the same creativity that a human being can have. My name is Marnie Baker. I’m the Chief Executive Officer and Managing Director of Bendigo and Adelaide Bank.