Fintech reloaded maps out a strategy showing how traditional banks should become a digital platform.

Technology around us will provide an "augmented intelligence" that will help humans to make smarter decisions, improve business models and solve problems that were previously intractable. "The ways in which we are able to interact with computers is going to make people a lot more efficient and more effective, and build digital models." This, says Richard Paris, senior data scientist at KPMG New Zealand, is the future of digital. We are increasingly seeing the digital world interact in our everyday lives, says Paris, who spoke at the inaugural KPMG Technology Series in Auckland. People interact with smartphones and these devices are becoming our intelligent assistants.

It has spent a huge A 300,000 on Chip, a humanoid robot that will be used to carry out research into artificial intelligence for the bank. One of only three REEM robots from Spanish firm PAL Robotics, Chip aims to identify the opportunities and limitations of human-robot interaction, in the hope that the technology will one day become an integral part of improving banking services. Kelly Bayer Rosmarin, group executive, institutional banking and markets, CommBank, commented: "The development of robotics and artificial intelligence will affect all of us in the future. This research will help us better understand the impact social robotics will have on the lives of people, customers and industries across Australia." The bank's innovation lab in Sydney will be used as a testing environment for the research, allowing both students and academics from the country's technology universities to experiment with robotics.

WORLD superpowers are engaged in a feverish "arms race" to develop the first killer robots completely removed from human control, the Sun Online can reveal. These machines will mark a dramatic escalation in computer AI from the drones and robots currently in use, all of which still require a human to press the "kill button". In a series of exclusive interviews, leading experts told The Sun Online machines making life or death decisions will likely be developed within the next 10 years. Fears are now growing about the implications of creating such smart machines, as are concerns they will fall into the hands of terrorist groups such as ISIS. Locked in this new race for military supremacy is Britain, the US, China, Russia and Israel – all of which have robot programmes of varying advancement.

As machine-learning becomes increasingly embedded into our everyday lives, Dr David Bray, a 2015 Eisenhower Fellow, Visiting Executive In-Residence at the Harvard Kennedy School and CIO at the US Federal Communications Commission, explores both the possible positive opportunities and potential cyber-security challenges. "The exponential changes being driven by digital technology are typically painted in a highly positive light. Just look at the average Internet minute during 2013: more than 204 million emails were sent, more than 4 million Google search results were conducted, more than 2.4 million items of Facebook content were uploaded and more than 72 hours of video were uploaded to YouTube. But it's worth remembering that technology itself is amoral: it's how we humans choose to use it that decides whether it's good or bad. The more challenging side of the exponential era is evident elsewhere: in 2013, cyber-security technology company McAfee identified 200 new threat vectors ...

More than 60 years after it was blown up by two atomic blasts then later sunk off the cost of California, the wreckage of the historic USS Independence has been seen for the first time. After being found in April this year, the Ocean Exploration Trust (OET) has now explored the wreck with robotic submarines, and released the first close-up images of how the ship looks now. This exploration is revealing the ship holds war secrets, including a fighter plane within the sunken aircraft carrier. After being found in April this year, a team of divers from the National Oceanic and Atmospheric Administration ( NOAA) has now explored the wreck with robotic submarines, and released the first close-up images of how the ship looks now. Walkway leading to personnel hatch near'gun tub' hanging over walkway on starboard side of ship is pictured USS Independence (CVL 22) operated in the central and western Pacific from November 1943 until August 1945.

The first female pilot to fly solo from Britain to Australia has been'brought back to life' with ground-breaking 3D technology. Amy Johnson completed the journey from London to Darwin in 1930 - one of many record-breaking flights during her career. To mark 75 years since her death, experts have created a fully interactive digital 3D version of Ms Johnson, which can even walk and talk about her achievements. The first female pilot to fly solo from Britain to Australia has been'brought back to life' with ground-breaking 3D technology. 'Virtual Amy' will go display in the children's library within Hull Central Library as part of the Amy Johnson Festival.

Scientists have released incredible pictures of sunken light aircraft carrier USS Independence that were taken by underwater robots exploring the wreck. The historic ship, which served in World War II and was used in the atomic tests at Bikini Atoll in the Pacific, was intentionally sunk off California in 1951. The 622-foot-long Independence sits in 2,600 feet of water in the Greater Farallones National Maritime Sanctuary. Experts on the research vessel E/V Nautilus are using two Remotely Operated Vehicles (ROVs) to study the ship, which has been described as "amazingly intact" by National Oceanic and Atmospheric Administration (NOAA) scientists. The robots' initial dive began on Monday and they have already sent back a number of eerie images from the wreck.

Naturalist Charles Darwin believed the expanse of open ocean in the Pacific was an'impassable barrier' that separated species living on its east and west coasts. This, he argued, accounted for the differences seen in animals on each side of the ocean in much the same way as a mountain range or a desert may split habitats and lead to different species evolving on either side. Now researchers have proved him correct after showing that coral living in the eastern tropical Pacific are completely isolated from the rest of the ocean. Researchers have simulated how coral larvae spread across the Pacific Ocean using computer simulations. While coral themselves are invertebrates that form large static reefs fixed in place by their hard exoskeletons, they can spread by producing swarms of larvae that can colonise new areas.

The bank has paid A 300,000 for Chip, one of only three REEM robots from Spanish firm PAL Robotics in the world, according to the Australian. Chip is at the centre of a new two year academic partnership with University of Technology Sydney (UTS), the Australian Technology Network of Universities (ATN), and property development giant Stockland. Commbank's Sydney innovation lab will be used as a testing environment for students and academics of Australia's leading technology universities to conduct research and development in social robotics using Chip. Kelly Bayer Rosmarin, group executive, institutional banking and markets, CommBank, says: "The development of robotics and artificial intelligence will affect all of us in the future...This research will help us better understand the impact social robotics will have on the lives of people, customers and industries across Australia." In Japan robots have already started to make their way into bank branches.