Chris and Nationwide view AI in the context of their entire technological development: "we see AI as a continuation and acceleration of the automation that has been central to the changing nature of financial services over the last twenty or thirty years", he explains. "As an innovation team, we believe that history is often a good guide to the future and as in previous technological leaps forward, the view of AI being'destructive' to jobs is too simplistic. It will instead change the nature of the jobs people perform". "In many areas this will prove beneficial by complementing what people do. Putting information at their fingertips and removing laborious manual processes will allow them to focus on the most fulfilling and challenging parts of their roles. For others, the impact will be to create new types of job where the focus will be on ensuring that information, processes and our environment are constantly optimised to enable machines to perform their roles."