GoTyme Bank Corporation

We are also seeing practical applications emerge.

GoTime Bank, for example, is using generative AI with AWS to diagnose financial incidents in real time.

That's a great example of AI enhancing system resilience and cutting operational costs in a highly regulated sector like finance.

Getting that kind of speed in diagnostics is huge.

And there's also a story I tell in my book, It's About Time with Adrian Saville, about the critical bond formed over a video call during COVID-19.

between the Time co-founder, Kunray Yonker, and Lance Gokonwe, one of the wealthiest business owners in the Philippines, and how that chemistry, if you like, that sense of future partnership on a video call, led to the creation of GoTime Bank in the Philippines, where they've got about 12 million customers now.

That not only set about a very successful partnership, it also saved Kun Yonker's job, probably the company as well, because then he left at a critical point, the company probably wouldn't have survived.

So often, when the instinct is to go it alone, as Jeanette Marais was saying, there's so much evidence in the value of partnerships as you go into new markets.