Responsible AI isn’t about laying down the law. Creating responsible AI systems and policies is necessarily an iterative, longitudinal endeavor. Doing it right requires constant conversation among people with diverse kinds of expertise, experience, and attitudes. Which is exactly what today’s episode of *The Resonance Test* embodies. We bring to th…

Can today’s companies afford to be Luddites? This is one of the big questions that Elaina Shekhter, EPAM’s Chief Marketing & Strategy Officer and SVP, puts to today’s *Resonance Test* guest, Rowan Curran, Senior Analyst at Forrester. In the case of generative AI, both answer: No. Why? Shekhter notes that whatever your competitive edge in 2022, toda…

“There’s been an incident,” is a sentence no one wants to hear… except perhaps people like Ron Konigsberg, Co-Founder and CTO of Gem and our guest on *Silo Busting,* whose business is cloud incident response (IR).We know what you’re thinking: What makes cloud IR different from all other forms of IR? Let’s let Konigsberg explain: “The challenge is t…

Sam Rehman—a frequent voice on this podcast network and EPAM’s Chief Information Security Officer and SVP—was in the classroom recently, teaching students, and in the process was “surprised by the density of PII that's in in the system.” This led Rehman to realize that “at least here in California,” higher education’s investment in cybersecurity is…

Going mobile: It’s going to create vulnerabilities. That’s the way things work with apps. They aren’t just friendly pieces of software that help you beat traffic or bring your favorite tunes into your eardrums… they are opportunities, rich ones, for the bad guys.Andrew Whaley, the Senior Technical Director (UK) at Promon and our guest on *Silo Bust…

In this special edition of *Silo Busting,* Elaina Shekhter, EPAM’s Chief Marketing & Strategy Officer, interviews Stepan Mitish, VP and Head of Ukraine, about how his role shifted from being a leader navigating war-time crises to a leader embracing the challenges of the business world. Mitish says that the year 2022 was so filled with extreme chall…

Equity is not easy. It’s tough enough to talk honestly about equity in US healthcare, and troublingly difficult to create solutions that can, and will, be implemented. But trouble—good trouble, as Representative John Lewis once put it—is precisely what interests the people on the latest episode of *The Resonance Test.* Dr. Djinge Lindsay, MD, MPH, …

Financial inclusion is one of those topics that banks are often eager to discuss. After all, their efforts here can have profound impacts on their customers and the communities in which they operate and can generate positive PR spins that showcase the brand in a different light. However, it’s rare to see true innovation in the realm of financial in…

The hype around generative AI remains strong. Right now, we’re nestled (un)comfortably atop the peak of this hype, wondering what in the world might come next. We’ve seen generative AI beat the bar exam. We’ve also, more recently, seen it fail to answer simple math equations.Regardless of some of its failings, there’s no denying that these extremel…

The cloud creates “cloud cowboys,” says Yinon Costica, VP of Product and Co-Founder of Wiz. This creates, as you might imagine, security issues. “Cloud allows people to really own their stuff end-to-end. They can basically create whatever they want,” says Costica. But he says that security professionals need to ensure that the cowboys can “govern t…

When it comes to financial literacy, many banks and financial institutions claim it’s something they actively prioritize for their customers. In reality, this often tends to be lip service. “Banks like to think they’re doing something in this space….They’ll write a long blog that will sit in a resource page on their website. But if you look at the …

The era of generative AI needs humans… not just the data sets they create. Now and going forward, companies will need to depend on perceptive, intelligent, creative humans who can evaluate and, when necessary, stand up to the black box output AI throws at them. What kind of traits do such people embody? Where might we find them? What might they tea…

When it comes to empowering women—truly empowering them—The Estée Lauder Companies is doing something different. We know this because Michael Smith, CIO of ELC, recently dropped by *The Resonance Test* to talk about the extensive success they’ve had in this area. In a conversation with Regina Viadro, EPAM’s VP and Co-Head of North American Business…

The reason we don’t think of insurance as an industry on the cutting edge of technological innovation is that, well, it’s *not.* Not today anyway. Nonetheless, insurance’s brightest thinkers know a change is overdue and are making the transformation to digital a reality. Doing so involves the incorporation of robust data and analytics programs, and…

If a bank releases a new digital product, but it’s not intuitive enough to resonate with customers, does it make a noise? When a bank undergoes a major digital transformation, what steps can they take to help ensure the experience they’ve painstakingly crafted resonates with customers and makes the right kind of noise in the marketplace? These are …

On the latest #CybersecurityByDesign conversation, we’ve got our minds set on… hacking. Bruce Schneier, author of the recently published *A Hacker’s Mind: How the Powerful Bend Society’s Rules and How to Bend Them Back Again,* chats with Sam Rehman, EPAM’s Chief Information Security Officer and SVP, about the hacking mindset and what it means for s…

When it comes to artificial intelligence, how responsible is the financial services industry? How responsible must it be? And how what steps should it take to get there? These are the sort of questions Alex Jimenez, EPAM’s Managing Principal of Financial Services Consulting, is asking of Kathryn “Kate” Hughes, our Director of LegalTech and ERM Busi…

Not *soccer* teams: SOC teams. When we say SOC, we’re talking, of course, about the Security Operation Center, a group charged with monitoring, detecting, preventing, and responding to cybert threats. In this #CybersecurityByDesign conversation Michael Mumcuoglu, CEO and Founder of CardinalOps, Sam Rehman, EPAM’s Chief Information Security Officer …

There's value—business value—lodged in the cloud! But to begin releasing this value, a shift in mindset is required. Organizations need to understand that cloud isn't just for IT people but for business leaders seeking to create an adaptive organization and apply the idea of composable business. Cloud is essential for creating composable business, …

Everybody's talking about generative AI and ChatGPT… but few are doing so with the clear-eyed intelligence and honesty of Sandra Loughlin, EPAM's Chief Learning Scientist, and Alexandra Diening, our Head of Research & Insights for EMEA. In this episode of *Silo Busting,* our conversationalists think about how to optimize this new tech and the uniqu…

Now is an odd time to be a Chief Digital Officer at a financial services organization. The Fed is fighting inflation while watching unemployment numbers. Consumer spending is in flux. Banks are still—still!—trying to figure out their budgets. With all this going on, how’s a CDO going to proceed with a big digital transformation project? That’s exac…

It’s time for your authentication journey! Mandeep Khera, the Chief Marketing Officer at SecureAuth, is our guide in this #SecurityByDesign episode of *Silo Busting.* And Sam Rehman, EPAM’s Chief Information Security Officer and SVP, is of course on hand to pepper Khera with questions about the fascinating concept of passwordless.Khera begins with …

May we borrow your attention for a few minutes? If you have a vested interest in commercial, residential, business, and/or personal lending, pull up a chair to hear what Chris Karageuzian, CEO & Co-Founder at Help With My Loan, and Alex Jimenez, Managing Principal, Financial Services Consulting at EPAM, are saying on our latest #TakeItToTheBank con…

The cloud may have made business more flexible, but it has made security *complicated.* According to Jay Parikh, CEO at Lacework and our guest on this #CybersecurityByDesign conversation, the cloud model “introduces a whole new set of risks that I think the industry, we all, are really trying to put our arms around.”Parikh and Sam Rehman, EPAM’s Ch…

“When I meet with executives at banks, every single one of them tells me that they compete by how customer-centric” they are, says Alex Jimenez, Managing Principal, Financial Services Consulting at EPAM. “They can't really verbalize what that means.”By contrast, Frank Sorrentino, Chairman and CEO of ConnectOne Bank, our guest on this #TakeItToTheBa…

Insurance and cybersecurity have a lot in common. They are both highly relevant and profoundly misunderstood and need spokespeople who can explain—clearly—how they function. Fortunately, we have two people on this #CybersecurityByDesign episode of *Silo Busting* who understand the worlds very well: Lynn Rivenburgh, VP of Business Consulting at EPAM…

So what’s in your mobile wallet? Questions around digital payments are on the minds of our two guests on this #TakeItToTheBank episode of *Silo Busting.* Chase Petrey, COO of Pi, and Alex Jimenez, Managing Principal, Financial Services Consulting at EPAM, talk—with great gusto—about real-time payments, data complexity and scale, the evolution of fr…

Loyalty: It ain’t what it used to be. The customers of 2022 are much (much, much) more demanding than customers used to be. Not only that, when their high expectations aren’t met, they’ll let the world know all about it, which can quickly degrade a brand. Which is why Pierre Kremer, Senior Director, Retail & CPG, Digital Engagement Practice EMEA at…

Home, they used to say, is where the heart is. Now it’s also where people do an enormous amount of shopping. We learned all about this in the most recent installment of our *Consumers Unmasked* report, and our experts—Jen Jones, the Chief Marketing Officer at commercetools, and Mario Crippa, Head of the Physical Experience Practice EMEA at EPAM Con…

When you think of the term “mergers” what comes next? “Acquisitions,” of course! But what follows after that? How about… “cybersecurity”? Does that concept immediately pop to mind when thinking about M&A? According to the latest #CybersecurityByDesign episode of Silo Busting, it should—but perhaps this isn’t always the case. Listen as Sam Rehman, E…

This time, it’s personal. Welcome to the premier installment of #TakeItToTheBank, our new series of financial services conversations on *Silo Busting.* In this episode, Liz High, co-author of *Think like a Brand, Not a Bank: 5 Practical Strategies to Unlock Innovation, Connect with Customers, and Grow,* and Alex Jimenez, Managing Principal, Financi…

It’s a weird moment for fashion. Think about refashion, digital fashion, and the challenges of brand loyalty in a complex and increasingly expensive world. What’s a fashion brand to do in the face of all this change? Well, a smart place to start is the recently published third installment of our *Consumers Unmasked* research. And that’s exactly whe…

*Cloudy with a strong chance of organizational change.* That’s the forecast for just about every business right now. The cloud brings both great promise and the potential for disruption. Sadly, few companies understand how to prepare their IT ecosystems for such a storm of transformation. Luckily for them, our guests on Silo Busting, Miha Kralj, EP…

“I have always looked at a safe environment as part of what needs to be in a healthy environment,” says Sam Rehman, our Chief Information Security Officer and SVP, on the latest #CybersecurityByDesign conversation. To which Michelle Dennedy, CEO of PrivacyCode, co-author of *The Privacy Engineer's Manifesto,* and our latest podcast guest, responds:…

If you have a child (a young sibling, cousin, student, or even friend) in your life, chances are you know about Scratch—the wildly popular graphical program language that kids use to dream up interactive stories, games, and animations. But it’s entirely possible you don’t know the man behind Scratch, Mitch Resnick, the LEGO Papert Professor of Lear…

Last time on *Silo Busting,* Dr. Alexandra Diening, EPAM’s Head of Research & Insights for EMEA, introduced us to the concept of the responsible metaverse. This time, she turns the virtual tables and interrogates Jonathan Lupo, EPAM Continuum’s VP of Experience Design, about his own experience as a responsible designer.Lupo, who was in Covid quaran…

“I rebel, therefore we exist,” wrote Albert Camus in 1951. Céline Schillinger, Founder and CEO of We Need Social, writes in her new volume, *Dare to Un-Lead. The Art of Relational Leadership in a Fragmented World:* “This phrase could sum up the essence of this book.” In this episode of *The Resonance Test,* Schillinger and Producer Ken Gordon talk …

The metaverse business is booming! Companies are scrambling into the virtual world to claim a space of their own and set up shop as fast as they can. Dr. Alexandra Diening, Head of Research & Insights for EMEA, says they need to slow down. She introduces our Jonathan Lupo, VP of Experience Design, in the latest episode of Silo Busting, to a powerfu…

Nowadays, everyone in healthcare is talking telemedicine… except for maybe Dr. Bryan Vartabedian, Chief Medical Officer of Texas Children's Hospital North Austin, founder of *33 Charts,* author of several books, and a previous *Resonance Test* guest, who prefers the term “remote care.” He finds it a flexible term because it encompasses more than th…

The smartest designers understand the importance of diversity. It’s not about signaling openminded-ness but about achieving the deepest levels of innovation. We’re talking about truly heterogenous, multidisciplinary teams, which is a familiar concept to us. “Imagine if our future teams were just as representative as the beautiful tapestry of people…

Virtual confusion has been wafting through the 21st century c-suite. Leaders are asking: *Web3? Metaverse? What’s the relationship between the two… and how will it affect our business?* They are frantically trying to sort out the nuances. Are you perhaps such a leader? If so, you’re in luck: We’ve captured a conversation between Alexandra "Sasha" P…

Passwords are a hassle. But what would it take to live a secure online life without them? This is what Sam Rehman, our Chief Information Security Officer and SVP, and Shaked Vax, Co-Founder and Chief Product Officer of Anonybit, talk about in our latest #CybersecurityByDesign conversation. Listen as they jam on the topic of zero trust and identity …

Are you SME paring? That is, are you matching up external cloud subject matter experts with your engineers, architects, and security people to deliver a common goal? That’s what Jim Wilt, Distinguished Architect of Digital Strategy & Technology Innovation at a Fortune 100 retailer, does—and it works. Superbly. “The rate at which you increase expert…

For many organizations, the cloud is shrouded in mystery. It doesn’t have to be. Cloud mastery isn’t out of reach, but achieving it requires clear thinking, a tolerance for systemic complexity, and a willingness to invest and test. Our latest episode of *Silo Busting*—the first in a two-part series—will help prepare you to scale the cloud’s intimid…

“Zero trust to me is a set of principles, and the degree to which you operate those principles is very much a risk-management exercise,” says Mike Gorman, Head of Security and Compliance at NetFoundry. This remark set the tone for the informed dialogue Gorman recently had with Boris Khazin, our Global Head of DRM Services, in our latest #Cybersecur…

It’s 2022: Are you ready to jump on a plane? Are your customers? What might it take to make all of us comfortable with the idea of traveling, once again, across the globe? We’ve been thinking about such questions because we’ve been prompted by the insights from *Consumers Unmasked: Stage 2,* part of our longitudinal, international research initiati…

Every organization has silos—even ours. But EPAM’s culture is unique in that it allows, even encourages, individuals to disregard silos, take initiative, and connect deeply with others. Lynn Rivenburgh, a VP of Business Consulting at EPAM, is a superb practitioner of silo busting, and in this episode of *Silo Busting,* she talks producer Ken Gordon…

Data: Organizations have an incessant demand for it, in order to operate and innovate—but at the same time, gathering and analyzing all this data creates legitimate privacy concerns. This is what John Reardon, VP & Senior Director of Global Risk Solutions Technology at Liberty Mutual Insurance, calls the *data paradox,* and he talks about it on our…

In 2022, Technology evolves fast—faster than the technologists who use it. In order for organizations to put this tech to work for them, they need to have a good understanding of the talent ecosystem, and how to work within it.As Eli Feldman, EPAM’s CTO of Advanced Technology, says, on the latest episode of *Silo Busting:* “Business capabilities ar…

The search is on! All over the internet, in conference rooms, on ill-lit Zoom calls, anxious executives are straining to understand the still-obscure concept of Web3. The term dares you to define it and to explain why organizations should care—and that’s what we're here for, on the latest episode of *Silo Busting.* Our experts, Alexandra "Sasha" Pi…