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John Yao Senior Acct Exec Fiserv John has been in financial services for over 25 years mostly on the technology side. Companies like Intuit, Salesforce.com, Digital Insight and now Fiserv. For last 10 years John has been helping financial institutions with their digital transformation strategy and specifically digital banking strategy. I have a passion for technology but still understand the importance of the human element but how that dynamic has changed in our technology enabled world