AUGUST 20258 IN MYV EWAs CIO of Pepper Money, I oversee our entire digital, data and technology ecosystem. My role involves aligning technology strategy with business goals, driving innovation and ensuring secure, efficient operations across the business. I focus on initiatives that transform how we operate and go to market-- modernizing lending processes, enhancing digital experiences, unlocking data insights and exploring emerging technologies like AI.Building Secure, Compliant Innovation from the Ground UpBalancing innovation with compliance and cybersecurity is critical. We embed governance into every initiative through three key strategies:1. Innovation with Guardrails: We pilot new technologies in controlled environments. For example, new machine learning models are tested in parallel with existing systems before scaling. We maintain transparency with the Executive Committee and Board, especially for high-risk innovations like AI.2. Balanced Investment Portfolio: Using a structured prioritization framework and quarterly planning, we allocate resources across "run," "change" and "transform" initiatives. We track human capital investment ratios to ensure alignment with business value and operational sustainability, with full support from Executive Leadership and Board.3. Compliance and Security by Design: Our legal, risk, cybersecurity and compliance teams are integral to the design phase of new initiatives. By integrating regulatory requirements into product development, applying secure coding practices, conducting early threat modelling, and investing in modern controls, we achieve innovation with confidence.Balancing Customer Experience with Platform AgilityWe leverage modern technology to deliver seamless, personalized experiences and scalable systems:· Frictionless Value Chain: Using human-centred design and process mining, we optimize digital journeys. Brokers can complete online enquiries in under two minutes with real-time product fit and MODERNIZING LENDING THROUGH INNOVATIVE, SECURE AND SCALABLE TECHNOLOGYSteven is a strategic technology leader with 25 years of global experience driving innovation, transformation, and growth. At Pepper Money he leads the digital, data and technology functions, combining digital thinking, data-driven insights, commercial acumen, and executional discipline to deliver meaningful outcomes for both customers and the bottom line. His work spans digital strategy and delivery, enterprise transformation, M&A integration, and business operations, always with a focus on innovation, practical impact, and sustainable change.Steven MeekBY STEVEN MEEK, CHIEF INFORMATION OFFICER, PEPPER MONEY
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