621: Michael discusses the development and implementation of Next Generation Technology at Citizens Financial. Michael begins with his purview as Chief Information Officer and describes the Next Gen Tech Transformation Program at the company. He talks briefly about the broader impact of IT, enhancing engineering talent through leveraging partners and in-house academy programs, and building up the momentum for using APIs at the company. Finally, Michael provides an example of the Next Gen Tech in action at the company, what the process of modernizing a 200-year-old company looks like, and trends in technology that he sees as being important in the years ahead.