In this episode of Chief Digital Heroes in Banking, Matthew speaks with Christopher Iwanowski, Chief Transformation Officer at Allianz Australia, about the intricacies of driving digital transformation in the insurance industry. Christopher shares insights on balancing global solutions with local market needs, highlighting the importance of regulatory compliance and customer-centric approaches.  He also dives into fostering an intrapreneurial mindset within large organizations to spur innovation. Additionally, Christopher emphasizes the necessity of prioritizing execution and effective communication to successfully navigate the complexities of transformation. He also offers his strategy for integrating new tools such as AI in a way that allows employees to experiment safely. Topics discussed: Balancing global solutions with local market requirements to ensure effective digital transformation across different regions and regulatory landscapes. The importance of fostering an intrapreneurial mindset within large organizations to drive innovation and agile decision-making. Prioritizing execution and clear communication to navigate the complexities and challenges of digital transformation. The role of effective leadership in guiding teams through periods of significant change and transformation within the insurance sector. Utilizing technology and AI to streamline operations and improve customer service, such as using AI agents to transcribe audio files and meetings. Strategies for training and upskilling employees to adapt to new technologies and processes during transformation. The importance of due diligence in gathering and analyzing information before making strategic decisions in a rapidly changing environment. Ensuring that transformation efforts are customer-centric, focusing on improving customer experiences and meeting their evolving needs.