33 replatforming our applications – our core banking and all the subsidiary applications that support that – from HP US to Red Hat Linux ,” says Hunter . “ That will enable us to use cloud technology – our new technology platform will be cloud based . This is important for us in reducing the cost of IT and change going forward , as well as improving operational resilience . It ’ s an important foundation to build a digital business on top of .”

“ Change will not be successful if we don ’ t bring the right parties on board ,” says Howley . “ We very much take the view that we ’ re looking for partners , not

just suppliers . A partner is a specialist

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