Fintech is reshaping the financial industry in fundamental ways – and that includes work processes and talent requirements. The HKMA is now working with HKAB and Hong Kong Institute of Bankers to assess talent requirements in the industry over the next three to five years. The study includes a skill-mapping exercise to identify the retraining, redeployment and other HR needs in the banking industry. Again, the HKMA is itself introducing new technologies and applying new data science and analytics. We too will need to upgrade our skillsets, and this will certainly be a path that we will travel together.