Richard Turrin is an award-winning executive with over 20 years experience in fintech innovation. Rich most recently served as the senior executive heading fintech for IBM Cognitive Studios Singapore and worked for much of his career as a banker in fixed income. He is now an independent Consultant and helps clients navigate the uncharted waters associated with the latest AI and cognitive technologies. He is the author of Innovation Lab Excellence, co-author of the InsurTech book and enjoys spreading the message of digital transformation through conferences and blog posts.