In this episode of Chief Digital Heroes, Matthew speaks with Loice Ngulube, Chief Information Officer at POSB Zimbabwe. They discuss how the bank is evolving its digital transformation across operations and customer experiences, and how it involves tools, upskilling, and buy-in. They also talk about the new technologies improving banking, like blockchain, APIs, and AI, how POSB Zimbabwe is prioritizing sustainability, and why change management is a key skill to lead digital transformation.   Topics discussed:   The evolution of Loice's career, from starting as a nurse, to moving into business and computer science, to becoming CIO at the People's Own Savings Bank in Zimbabwe. How POSB Zimbabwe is exacting their digital transformation, what tools they're using, and what customer touchpoints they're impacting. How POSB Zimbabwe is fostering online and mobile banking to the extent where it gains 95% of its revenue through digital channels. What new technologies are improving operations and customer experiences, including blockchain, open APIs, chatbots, AI, and more. What top skills aspiring CIOs should possess, and why change management leadership is key to gaining buy-in for digital transformation. The ways in which POSB Zimbabwe is prioritizing sustainability in their own operations, and how they're supporting customers and businesses that prioritize sustainability, too.