Terry is currently Head of Product Management, Applied Science and Intelligent Products for Group Transformation at Lloyds Bank and leads the development of the Group’s Cognitive Platform. He is passionate about Digital, Product Management, Innovation and Design with over 20 years Product Management experience in designing and building products and mobilising product teams in telecoms, government and banking sectors. Voted one of the 50 most innovative and powerful people in European Digital Financial Services by his peers of the Digital Banking Club in 2015, 2016 and 2017, he is also co-author of the FinTech Book, the world’s first crowd sourced book on the subject. Terry is a regular conference speaker on topics such as Artificial Intelligence, Product Management and Customer Experience.