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TIM WALKER is a former Partner in Deloitte's Financial Services Consulting practice. He has over two decades of experience working for banking and payments institutions implementing new front, middle, and back office technology. LUCIAN MORRIS is the CIO of the Mortgage Advice Bureau in the UK. Formerly a Director in Deloitte's Financial Services Consulting practice, Lucian has worked with many of the UK high street banking and fintech start-up organisations and was CIO of Metro Bank during its launch.
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