In this episode of Chief Digital Heroes, Matthew speaks with Witit Synsatayakul, Deputy Director, Digital Currency Policy and Development at Bank of Thailand. They discuss why digital transformation needs to start with people and processes before systems and tools, and why it should be led by mid-level managers. They also talk about the skills needed for digital transformation success, how tokenization is opening up growth opportunities, and how AI will shape the future.   Topics discussed: Why digital transformation needs to start with the people and processes first, before systems and tools. How tokenization creates growth and opportunity, especially through atomic settlements and reduced risk. Why business know-how, technical competency, and project management skills are the key to digital leadership success. The challenges to being a digital leader, including the dynamic nature of the role and resource constraints. Why digital transformation should be led by mid-level senior managers instead of leaders at the top. How AI will shape the financial sector in the future by being "close to daily life."