612: Toyota Financial Services CIO Vipin Gupta discusses his journey at TFS and the radical business and operating model transformation he has led, which includes transforming TFS into a private-label platform that other mobility brands can leverage. We also discuss the cultural change that was necessary to enable this shift, including how he is upskilling talent at the company through the company’s TFS Digital Academy and bringing higher orders of work to employees. Finally, Vipin explores the trends in technology that he and his team are keeping an eye on.