Associate Director

Meet Adapt, Westpac's Azure-based enterprise data platform. Sep 15 2026 7:40PM Key points. * Westpac has unveiled Adapt, a new enterprise data platform on Microsoft Azure that brings together data from 285 source systems into one common governed environment. * The Westpac Intelligence Layer, built with Snowflake, creates a single customer view across products and channels by running AI models on data at rest without moving it. * Westpac's broader technology ecosystem includes Microsoft, AWS, Snowflake, Nvidia, Google and AMP Frontier, with partners supplying forward-deployed engineers and Nvidia powering an in-house AI factory. Westpac has revealed a new enterprise data platform that runs on Azure and acts as a foundation for its customer intelligence activity and AI work. Its two key executives - chief data, digital and AI officer Andrew McMullan and chief AI officer Dan Jermyn - on Tuesday offered the most complete view of the bank's data and AI setup. A lot has been said about this extended setup over the past year, but until now it's been hard to conceptualise what all the different layers and tools do. At the heart of Westpac's setup is a platform that it has previously hinted as having, but never expressly talked about publicly: a new enterprise data platform (EDP) that it is calling 'Adapt'. Adapt, McMullan said, represents "one of the largest data modernisation programs ever undertaken at Westpac". "AI only scales with trusted data. That's why we've spent the last few years simplifying and standardising the way data is managed across the group," he said. "Adapt is our new enterprise data platform. It brings together data from 285 source systems into one common governed environment on Microsoft Azure. "Delivering it required the migration of over 1PB of data and more than 14,000 data pipelines onto one single platform. "Having this one enterprise data platform in the Azure cloud helps reduce duplication, allows us to apply governance much more consistently, and gives our teams faster, more secure access to the data that they need." Data source migration into Adapt was completed in March this year. "It was 'hard yards' to get the platform to where it is, and the quality and reliability of the data there is a real step change for Westpac," McMullan said. "[The] 285 systems is the majority of the data we need to be able to understand and serve our customers at Westpac better. He added that iInternal "teams who use [Adapt] are moving faster than they've ever moved before." The creation of Adapt is closely linked to Westpac's broader Unite program, which is effectively re-platforming the various parts of the group onto a simplified technology stack. "Adapt and Unite work together," McMullan said. "Unite is simplifying the underlying systems, [while] Adapt connects and governs the data across them. "Together we're creating a simpler and stronger foundation for how information flows through the bank, and that's really important because every digital experience, every insight and every AI capability depends on the quality of this foundation." Customer intelligence One of the platforms that relies on the existence of Adapt is the Westpac Intelligence Layer, which first broke cover last year. It's been unclear for some time what role the Westpac Intelligence Layer plays in the data and AI ecosystem. McMullan clarified this: in simple terms, it's a customer intelligence platform, creating a single view of customers, the different financial products they use, and the "signals" that their different interactions with the bank generate. "One of the most important opportunities created by Westpac Intelligence is the ability to bring the whole bank to the customer," McMullan said. "Historically, customer relationships have been fragmented across products, channels or business units. A customer may have a mortgage, transaction account, a business relationship, maybe an investment relationship with us. These interactions have often been managed separately. "Westpac intelligence connects the full customer, not just individual interactions, giving us the ability to understand, anticipate and serve customer needs across every single touchpoint. "It brings together customer relationships, behaviours, their products, transactions and interactions into a more complete view of our customer. "The goal is understanding the full customer relationship to enable a more relevant connected and timely response across all our channels." "In partnership with Snowflake, we're underpinning our trusted data foundation [Adapt] with our intelligence capabilities," McMullan said. An important architectural feature of the Westpac Intelligence Layer, according to McMullan, is that "it allows us to make intelligent decisions without needing to move data." "We can now run the most advanced machine learning and AI models across our data at rest, meaning we're now in the business of using our data to better serve our customers and not moving data [to feed AI models or use cases]," he said. McMullan added that this architecture is helpful for incorporating data that, for specific reasons, is stored in other hyperscaler ecosystems. "Our main data platform is on Azure but we also do things with Google Cloud and with AWS, and the reason that we chose Snowflake as the intelligence layer on top of that is because we can be intelligent on the data at rest without moving it across those hyperscalers," McMullan said. Broader technology ecosystem Westpac revealed details about how it works with an ecosystem of technology partners in the data, digital and AI space. These include Microsoft, AWS, Snowflake, Nvidia, Google and AMP Frontier. One of the key things that Westpac is looking for from its partnerships is access to engineering talent. Increasingly this comes in the form of "forward-deployed engineers" that hyperscalers are employing to help end users embed particularly emerging technology faster, with the aim of realising tangible value sooner and justifying investment and spend. Microsoft has nine forward-deployed engineers "working with over 100 [Westpac] data professionals"; AWS is also supplying an unspecified number of these engineers as well "to automate our backend operations" with respect to the infrastructure required to operate and deploy AI agents. Nvidia AI factory A technology partnership Westpac has not spoken about much is its work with Nvidia, which powers a so-called "AI factory" for the bank. "Nvidia technology powers our AI factory, allowing us to run advanced AI workloads much closer to our data with security, control and performance as required," McMullan said. "Their leading AI engineers work side by side with our team. "Together, we're creating the foundation to develop, train and deploy AI at scale while maintaining the governance, resilience and trust our customers expect from us."

DIGITEC appoints former Westpac FX Forwards Head Callum Dunn. 2026-09-11 01:03:15 Key takeaways. * DIGITEC appointed Callum Dunn as Lead Solutions Architect to enhance client requirements and workflow automation. * Callum Dunn brings over 20 years of FX and interest-rate markets experience, including 12 years at Westpac as Global Head of FX Forwards. * Dunn will apply his practitioner perspective to DIGITEC's product development and commercial strategy, covering emerging requirements. DIGITEC appointed Callum Dunn as Lead Solutions Architect, bringing a former bank trading executive to work directly on client requirements, electronic liquidity and workflow automation. Dunn brings more than 20 years of experience in FX and interest-rate markets, having spent the past 12 years at Westpac where he became Global Head of FX Forwards. The FX pricing technology provider aims to leverage his practitioner perspective for product development and commercial strategy, given his direct experience using DIGITEC's D3 Pricing product as a trader. Callum Dunn brings two decades of FX trading experience. Dunn spent the past 12 years at Westpac, where he became Global Head of FX Forwards. Prior to Westpac, he spent more than five years trading G10 and emerging-market short-term interest-rate products at Standard Chartered. At Westpac, Dunn was responsible for the global forwards business and helped develop electronic pricing, liquidity and execution capabilities across single-dealer platforms, multi-dealer venues and application programming interfaces. The appointment is notable because Dunn used DIGITEC's D3 Pricing product as a trader. He joins with direct experience of the calculations, data and controls that a bank desk needs when pricing swaps and forwards across currencies and maturities. DIGITEC stated he will apply that practitioner perspective to product development and its wider commercial strategy. His remit covers emerging requirements and new services. FX swaps automation challenges persist in electronic markets. Electronic spot FX is mature, but swaps and forwards carry additional complexity. Pricing requires consistent curves, holiday and settlement logic, funding inputs and credit treatment, while distribution has to remain aligned across dealer screens, venues and APIs. Those requirements create friction when banks use separate tools for pricing, order handling and market data. DIGITEC sells D3 Pricing and D3 OMS alongside its Swaps Data Feed and Precious Metals Data Feed, both developed with 360T, to reduce that fragmentation. DIGITEC claims client base across Euromoney Top 50 FX firms. DIGITEC says its global client base includes more than half of the firms in the Euromoney Top 50 FX ranking. That is a company-supplied measure of penetration rather than an independently audited market-share figure. The company has not announced a specific product, delivery date or pricing change with the appointment. Faq. What role did Callum Dunn hold at Westpac before joining DIGITEC? Callum Dunn spent the past 12 years at Westpac, where he became Global Head of FX Forwards. He was responsible for the global forwards business and helped develop electronic pricing, liquidity and execution capabilities across single-dealer platforms, multi-dealer venues and application programming interfaces. What products does DIGITEC sell for FX markets? DIGITEC sells D3 Pricing and D3 OMS alongside its Swaps Data Feed and Precious Metals Data Feed, both developed with 360T. These products address pricing, order handling and market data requirements for FX swaps and forwards. Disclaimer: The information on this page may come from third-party sources and is for reference only. It does not represent the views or opinions of Gate and does not constitute any financial, investment, or legal advice. Virtual asset trading involves high risk. Please do not rely solely on the information on this page when making decisions. For details, see the Disclaimer.

RDC.AI steps up North America push on banking growth. Fri, 11th Sep 2026 (Today) RDC.AI is stepping up its push into North America following growth among existing customers. The Australian-founded banking software company recorded more than 120 per cent growth within its current customer base over the past 12 months across Australia, New Zealand and North America. Its customers include Westpac and US commercial bank M&T Bank. RDC.AI sells artificial intelligence tools for business and commercial banks, focusing on portfolio intelligence, automation and decision support in regulated banking settings. Its products are designed to help bankers identify customer trends, risks and opportunities earlier, while supporting oversight of lending portfolios. North America is a major target because of the large number of regulated banking institutions in the US and Canada. RDC.AI is increasing its regional presence and investing in its US-based commercial team as it builds on work already undertaken with M&T Bank. At M&T Bank, the deployment embedded intelligence into bankers' day-to-day workflows. RDC.AI said early credit-risk signals were identified up to six months earlier, while manual effort was reduced by 70 per cent compared with conventional monitoring. Regional growth Backed by investors including Westpac and Acorn Capital, RDC.AI has spent the past decade building software for business and commercial banking. It also works with technology groups including AWS, Snowflake and Anthropic through partner programmes. RDC.AI is in final-stage discussions with banks across the US and Canada as it seeks to widen adoption in the region. The push comes as more banks move from small-scale artificial intelligence trials to broader deployment in operational settings. Banks are adopting its platform more widely to improve customer insight and portfolio monitoring while keeping decision-making explainable and subject to governance controls. The business is also developing new products that place artificial intelligence tools more directly into the workflows of frontline bankers and managers. Ada Guan outlined the company's position as it marks a decade in business. "As RDC.AI marks its tenth year, we're seeing growing validation of the approach we've taken from day one - building AI specifically for regulated financial institutions, with explainability, governance and safety at its core. Today, banks are moving beyond experimentation and looking for proven solutions that deliver measurable business outcomes coupled with regulatory confidence. This is reflected in the growth we're seeing across our customers, where banks are broadening the adoption of our platform," said Ada Guan, Chief Executive Officer and Co-Founder of RDC.AI. Guan also described a new collaborative workspace now in product preview with two customers. "We continue to push the envelope with agentic AI for regulated banks, and we are currently in product preview with two customers for our new collaborative agentic workspace. This is the place where bankers and governed agents work together on complex, high-value decisions typical of what we see in business and commercial banking," Guan said. She said the product is intended to let bank teams query portfolio information in new ways while keeping the final decision with human staff. "Imagine this as the place where bank leaders and frontline teams can now ask questions and interrogate the portfolio in ways they have never been able to before, again underpinned by explainability. The banker makes the decision and sets the task, then the agents do the work safely and transparently on the bank's own curated data, policy and knowledge. It's very exciting to see real value by placing agentic AI directly in the hands of bankers, at the governance level required by regulated banks," Guan said. North America remains the focus of this next phase as RDC.AI tries to convert interest from banks in the US and Canada into production deployments in one of the world's largest commercial banking markets.