In this era of disruption, businesses need to respond quickly to changing market conditions, innovate and introduce new business 
models to develop such agility. Flexible, reliable and sustainable financing solutions are crucial. Businesses around the world 
are struggling in these challenging times, and still businesses need to make investments that produce secure revenues and 
improve resilience. ABN Amro Lease and ABN Amro Commercial. Finance also known as ABN Amro asset based finance provides 
companies across Europe with financing solutions. Enterprise Finance wants to be the financial wingman of our clients. 
The assets of the clients are used as collateral and as an asset you can think of equipment, inventory and invoices. We 
are supporting clients in accelerating the sustainability shift. There is just one but with their funding ABN. AMRO 
Asset Based Finance requires businesses to drive sustainable value and innovative solutions. For that, they have to be one 
step ahead of their clien. Bankers by nature are risk averse and they're risk averse. Culture and organization that they 
create doesn't really nourish innovation. So we needed a partner that could help us bring in the knowledge and skills and 
the assets that would help build the foundation which innovation can flourish. That's why ABN Amro partnered with TCS. Our journey with 
ABN Amro commercial finance and leasing has been a two step approach. Firstly, we focused on realizing their aspirations of 
being a digital business, which is very important to free up the resources and more importantly is the foundation of the 
innovation. Secondly, we focused on inculcating the culture of being innovation as the primary motive of operations between 
ABN, Amro, ABF and TCS, we developed together with TCS a new factory. Platform which helped us to get more efficient, to 
harmonise our processes, to standardize our products and in the end we ready to move to the cloud. First we introduced the 
Innovation architectural frameworks to embed the seed of innovation within the organization. This helped employees engage, 
harness their creative spirit and promote innovation through ideathons, hackathons and meetups. So next we connected ABN AMRO 
lease and commercial finance to TCS coin Network, which is an ecosystem of startups innovation. Perhaps an academic 
alliances who are at the top of research and innovation globally. We also connected them with Slush in Finland and TEDx Amsterdam.
We also introduced and inspired the cross industry innovation and also helped in contextualizing to solve ABN Amro needs. 
So TCS brought us a different mindset. They brought us skills and knowledge, then opened a whole new world of ways of working 
and possibilities to us. And our marketing and products teams have already adopted some of those ways of working in the way 
they develop new products and services. We have a new proposition in the market for a small medium enterprises and we call 
that in Dutch Snel Betaald and that offers small and medium enterprises in one minute and offer for an invoice they want to finance. 
And we wanted to be able to test changes to their product before we bring them to market. And therefore we implemented the digital 
twin technology of TCS which allows us to create a close environment which we can adjust small things and then see. 
That will play out when we bring it live, so we are really keen to continue on this journey together with TCS and create 
more opportunities and scale up our partnership and leverage far more of possibilities we have, especially with the new 
newly fined hub pace port here in Amsterdam. I have adopted many great ideas from TCS over the past years and I will continue 
to do so for many years to come.