Environment

Abstract

The single most important message of this chapter is that technology does not stand alone outside the influence of its users or its creators. Often the siloed approach of many financial services firms leads to the view that technology is something ‘over there’, somehow outside the system, outside the rules that govern everyone else. We are users of technology, ‘they’ are the producers of technology and never the twain shall meet. We all sit within the same system. We are all part of the same environment and that environment acts like a self-regulating system with reflexive effects caused by events outside our control as well as those within it.