SlideShare a Scribd company logo
1 of 15
Reimagining Recommendations
Harry Powell
Digital Henley 4 May 2016.
2 | Barclays PCB - Advanced Data Analytics
Recommendation == Similarity
– How is Tesco similar to Asda?
– How is Tesco in Bristol similar to Asda in Bath?
– How is Tesco in Bristol similar to Bristol Angling Centre?
Assume that the similarity of two businesses can be measured by whether
they share customers
3 | Barclays PCB - Advanced Data Analytics
The data: Customer transactions
Timestam
p
Customer Business Amount (£)
… Bob Smith Tesco, Bristol …
… Mary
Jones
Tesco, Bristol …
… Bob Smith Asda, Bath …
… John
Taylor
Bristol Angling Centre …
4 | Barclays PCB - Advanced Data Analytics
Cosine Similarity
𝐴𝑠𝑑𝑎 = 𝐀 = (1,1,1,0,1,1,0,0)
𝑇𝑒𝑠𝑐𝑜 = 𝐁 = 1,0,1,0,1,1,0,1
𝐀 ⋅ 𝐁 = 𝐀 𝐁 cos 𝜃
Customer Tesco Asda
Bob Smith Yes Yes
Mary Jones No Yes
John Taylor Yes Yes
Jane
Williams
No No
Gary Brown Yes Yes
Liz Davis Yes Yes
David Evans No No
Helen
Wilson
Yes No
5 | Barclays PCB - Advanced Data Analytics
Matrix factorisation
⇒
1
0
1
0
1
1
0
1
1
1
0
1
1
0
1 0
≈
…
…
…
…
…
…
…
…
× … …
Customer Tesco Asda
Bob Smith Yes Yes
Mary Jones No Yes
John Taylor Yes Yes
Jane
Williams
No No
Gary Brown Yes Yes
Liz Davis Yes Yes
David Evans No No
Helen
Wilson
Yes No
Preferences of
Customers
Attributes of
Businesses
6 | Barclays PCB - Advanced Data Analytics
Using the whole graph
Tesco
Asda BP
Boots
Timestam
p
CustomerI
D
MerchantName Amount (£)
… 1 Tesco …
… 1 Asda …
… 2 Boots …
… 2 BP …
… 3 Tesco …
… 3 Boots …
… 3 BP …
… 4 Asda …
7 | Barclays PCB - Advanced Data Analytics
Customer transactions as a graph
Tesco Asda BP BootsTesco
Asda BP
Boots
Tesco
Asda
BP
Boots
8 | Barclays PCB - Advanced Data Analytics
Tesco
Asda
BP
Boots
Tesco
Asda
BP
Boots
Our metric: Expected Degrees of Separation
9 | Barclays PCB - Advanced Data Analytics
Complexity
10 | Barclays PCB - Advanced Data Analytics
Markov factorisation
Factorise
Factorise
Factorise
11 | Barclays PCB - Advanced Data Analytics
Scalability problems with trees
Where 𝑛 = 1,000,000
Actually 𝑛 starts at a few thousand for low 𝑘, but quickly escalates
𝑛
𝑠𝑜𝑢𝑟𝑐𝑒
𝑛𝑜𝑑𝑒𝑠
× (𝑛 − 1)
𝑑𝑒𝑠𝑡𝑖𝑛𝑎𝑡𝑖𝑜𝑛
𝑛𝑜𝑑𝑒𝑠
× 𝑘
𝑑𝑒𝑝𝑡ℎ
× (𝑛 − 1)
𝑛𝑜𝑑𝑒𝑠 𝑎𝑡
𝑒𝑎𝑐ℎ 𝑠𝑡𝑒𝑝
⇒ 𝑂 𝑛3 𝑘
12 | Barclays PCB - Advanced Data Analytics
Factorising graphs (recursion, A*)
13 | Barclays PCB - Advanced Data Analytics
Elimination of insignificant paths
14 | Barclays PCB - Advanced Data Analytics
Linear Sampling
≈
15 | Barclays PCB - Advanced Data Analytics
DataScienceisreimaginingdata

More Related Content

More from Digital Henley

Fraser Lewis: "FMCG Data & Decisions"
Fraser Lewis: "FMCG Data & Decisions"Fraser Lewis: "FMCG Data & Decisions"
Fraser Lewis: "FMCG Data & Decisions"Digital Henley
 
Steve Cornish - "Passing Sensitive Data Through The Public Domain"
Steve Cornish - "Passing Sensitive Data Through The Public Domain"Steve Cornish - "Passing Sensitive Data Through The Public Domain"
Steve Cornish - "Passing Sensitive Data Through The Public Domain"Digital Henley
 
Paul Smyth MBE - "Mobile in a Developing World"
Paul Smyth MBE - "Mobile in a Developing World"Paul Smyth MBE - "Mobile in a Developing World"
Paul Smyth MBE - "Mobile in a Developing World"Digital Henley
 
Rob Barnes - "Personalisation Beyond Automation"
Rob Barnes - "Personalisation Beyond Automation"Rob Barnes - "Personalisation Beyond Automation"
Rob Barnes - "Personalisation Beyond Automation"Digital Henley
 
Omer Dawelbeit - "Cloud and Social Are All You Need To Go Big"
Omer Dawelbeit - "Cloud and Social Are All You Need To Go Big"Omer Dawelbeit - "Cloud and Social Are All You Need To Go Big"
Omer Dawelbeit - "Cloud and Social Are All You Need To Go Big"Digital Henley
 
Tim Pelling - "Illogical Design"
Tim Pelling - "Illogical Design"Tim Pelling - "Illogical Design"
Tim Pelling - "Illogical Design"Digital Henley
 
Mark Wing - "Tune In Before You Shoot Off"
Mark Wing - "Tune In Before You Shoot Off"Mark Wing - "Tune In Before You Shoot Off"
Mark Wing - "Tune In Before You Shoot Off"Digital Henley
 
Chris Grant - "We're Not Alligators"
Chris Grant - "We're Not Alligators"Chris Grant - "We're Not Alligators"
Chris Grant - "We're Not Alligators"Digital Henley
 
James Elderton "A Trick on the Brain"
James Elderton "A Trick on the Brain"James Elderton "A Trick on the Brain"
James Elderton "A Trick on the Brain"Digital Henley
 
Terence Eden "Is Mobile All It's Cracked Up To Be?"
Terence Eden "Is Mobile All It's Cracked Up To Be?"Terence Eden "Is Mobile All It's Cracked Up To Be?"
Terence Eden "Is Mobile All It's Cracked Up To Be?"Digital Henley
 
Pete Doyle "Social Media: Getting Personal"
Pete Doyle "Social Media: Getting Personal"Pete Doyle "Social Media: Getting Personal"
Pete Doyle "Social Media: Getting Personal"Digital Henley
 
Ben Seymour "Practical Responsive Images"
Ben Seymour "Practical Responsive Images"Ben Seymour "Practical Responsive Images"
Ben Seymour "Practical Responsive Images"Digital Henley
 

More from Digital Henley (12)

Fraser Lewis: "FMCG Data & Decisions"
Fraser Lewis: "FMCG Data & Decisions"Fraser Lewis: "FMCG Data & Decisions"
Fraser Lewis: "FMCG Data & Decisions"
 
Steve Cornish - "Passing Sensitive Data Through The Public Domain"
Steve Cornish - "Passing Sensitive Data Through The Public Domain"Steve Cornish - "Passing Sensitive Data Through The Public Domain"
Steve Cornish - "Passing Sensitive Data Through The Public Domain"
 
Paul Smyth MBE - "Mobile in a Developing World"
Paul Smyth MBE - "Mobile in a Developing World"Paul Smyth MBE - "Mobile in a Developing World"
Paul Smyth MBE - "Mobile in a Developing World"
 
Rob Barnes - "Personalisation Beyond Automation"
Rob Barnes - "Personalisation Beyond Automation"Rob Barnes - "Personalisation Beyond Automation"
Rob Barnes - "Personalisation Beyond Automation"
 
Omer Dawelbeit - "Cloud and Social Are All You Need To Go Big"
Omer Dawelbeit - "Cloud and Social Are All You Need To Go Big"Omer Dawelbeit - "Cloud and Social Are All You Need To Go Big"
Omer Dawelbeit - "Cloud and Social Are All You Need To Go Big"
 
Tim Pelling - "Illogical Design"
Tim Pelling - "Illogical Design"Tim Pelling - "Illogical Design"
Tim Pelling - "Illogical Design"
 
Mark Wing - "Tune In Before You Shoot Off"
Mark Wing - "Tune In Before You Shoot Off"Mark Wing - "Tune In Before You Shoot Off"
Mark Wing - "Tune In Before You Shoot Off"
 
Chris Grant - "We're Not Alligators"
Chris Grant - "We're Not Alligators"Chris Grant - "We're Not Alligators"
Chris Grant - "We're Not Alligators"
 
James Elderton "A Trick on the Brain"
James Elderton "A Trick on the Brain"James Elderton "A Trick on the Brain"
James Elderton "A Trick on the Brain"
 
Terence Eden "Is Mobile All It's Cracked Up To Be?"
Terence Eden "Is Mobile All It's Cracked Up To Be?"Terence Eden "Is Mobile All It's Cracked Up To Be?"
Terence Eden "Is Mobile All It's Cracked Up To Be?"
 
Pete Doyle "Social Media: Getting Personal"
Pete Doyle "Social Media: Getting Personal"Pete Doyle "Social Media: Getting Personal"
Pete Doyle "Social Media: Getting Personal"
 
Ben Seymour "Practical Responsive Images"
Ben Seymour "Practical Responsive Images"Ben Seymour "Practical Responsive Images"
Ben Seymour "Practical Responsive Images"
 

Recently uploaded

Use of FIDO in the Payments and Identity Landscape: FIDO Paris Seminar.pptx
Use of FIDO in the Payments and Identity Landscape: FIDO Paris Seminar.pptxUse of FIDO in the Payments and Identity Landscape: FIDO Paris Seminar.pptx
Use of FIDO in the Payments and Identity Landscape: FIDO Paris Seminar.pptxLoriGlavin3
 
TeamStation AI System Report LATAM IT Salaries 2024
TeamStation AI System Report LATAM IT Salaries 2024TeamStation AI System Report LATAM IT Salaries 2024
TeamStation AI System Report LATAM IT Salaries 2024Lonnie McRorey
 
How to write a Business Continuity Plan
How to write a Business Continuity PlanHow to write a Business Continuity Plan
How to write a Business Continuity PlanDatabarracks
 
Ensuring Technical Readiness For Copilot in Microsoft 365
Ensuring Technical Readiness For Copilot in Microsoft 365Ensuring Technical Readiness For Copilot in Microsoft 365
Ensuring Technical Readiness For Copilot in Microsoft 3652toLead Limited
 
Digital Identity is Under Attack: FIDO Paris Seminar.pptx
Digital Identity is Under Attack: FIDO Paris Seminar.pptxDigital Identity is Under Attack: FIDO Paris Seminar.pptx
Digital Identity is Under Attack: FIDO Paris Seminar.pptxLoriGlavin3
 
The Ultimate Guide to Choosing WordPress Pros and Cons
The Ultimate Guide to Choosing WordPress Pros and ConsThe Ultimate Guide to Choosing WordPress Pros and Cons
The Ultimate Guide to Choosing WordPress Pros and ConsPixlogix Infotech
 
New from BookNet Canada for 2024: BNC CataList - Tech Forum 2024
New from BookNet Canada for 2024: BNC CataList - Tech Forum 2024New from BookNet Canada for 2024: BNC CataList - Tech Forum 2024
New from BookNet Canada for 2024: BNC CataList - Tech Forum 2024BookNet Canada
 
Transcript: New from BookNet Canada for 2024: BNC CataList - Tech Forum 2024
Transcript: New from BookNet Canada for 2024: BNC CataList - Tech Forum 2024Transcript: New from BookNet Canada for 2024: BNC CataList - Tech Forum 2024
Transcript: New from BookNet Canada for 2024: BNC CataList - Tech Forum 2024BookNet Canada
 
Transcript: New from BookNet Canada for 2024: Loan Stars - Tech Forum 2024
Transcript: New from BookNet Canada for 2024: Loan Stars - Tech Forum 2024Transcript: New from BookNet Canada for 2024: Loan Stars - Tech Forum 2024
Transcript: New from BookNet Canada for 2024: Loan Stars - Tech Forum 2024BookNet Canada
 
What's New in Teams Calling, Meetings and Devices March 2024
What's New in Teams Calling, Meetings and Devices March 2024What's New in Teams Calling, Meetings and Devices March 2024
What's New in Teams Calling, Meetings and Devices March 2024Stephanie Beckett
 
Streamlining Python Development: A Guide to a Modern Project Setup
Streamlining Python Development: A Guide to a Modern Project SetupStreamlining Python Development: A Guide to a Modern Project Setup
Streamlining Python Development: A Guide to a Modern Project SetupFlorian Wilhelm
 
Connect Wave/ connectwave Pitch Deck Presentation
Connect Wave/ connectwave Pitch Deck PresentationConnect Wave/ connectwave Pitch Deck Presentation
Connect Wave/ connectwave Pitch Deck PresentationSlibray Presentation
 
DevoxxFR 2024 Reproducible Builds with Apache Maven
DevoxxFR 2024 Reproducible Builds with Apache MavenDevoxxFR 2024 Reproducible Builds with Apache Maven
DevoxxFR 2024 Reproducible Builds with Apache MavenHervé Boutemy
 
New from BookNet Canada for 2024: Loan Stars - Tech Forum 2024
New from BookNet Canada for 2024: Loan Stars - Tech Forum 2024New from BookNet Canada for 2024: Loan Stars - Tech Forum 2024
New from BookNet Canada for 2024: Loan Stars - Tech Forum 2024BookNet Canada
 
Hyperautomation and AI/ML: A Strategy for Digital Transformation Success.pdf
Hyperautomation and AI/ML: A Strategy for Digital Transformation Success.pdfHyperautomation and AI/ML: A Strategy for Digital Transformation Success.pdf
Hyperautomation and AI/ML: A Strategy for Digital Transformation Success.pdfPrecisely
 
SIP trunking in Janus @ Kamailio World 2024
SIP trunking in Janus @ Kamailio World 2024SIP trunking in Janus @ Kamailio World 2024
SIP trunking in Janus @ Kamailio World 2024Lorenzo Miniero
 
The State of Passkeys with FIDO Alliance.pptx
The State of Passkeys with FIDO Alliance.pptxThe State of Passkeys with FIDO Alliance.pptx
The State of Passkeys with FIDO Alliance.pptxLoriGlavin3
 
Nell’iperspazio con Rocket: il Framework Web di Rust!
Nell’iperspazio con Rocket: il Framework Web di Rust!Nell’iperspazio con Rocket: il Framework Web di Rust!
Nell’iperspazio con Rocket: il Framework Web di Rust!Commit University
 
Unleash Your Potential - Namagunga Girls Coding Club
Unleash Your Potential - Namagunga Girls Coding ClubUnleash Your Potential - Namagunga Girls Coding Club
Unleash Your Potential - Namagunga Girls Coding ClubKalema Edgar
 
Tampa BSides - Chef's Tour of Microsoft Security Adoption Framework (SAF)
Tampa BSides - Chef's Tour of Microsoft Security Adoption Framework (SAF)Tampa BSides - Chef's Tour of Microsoft Security Adoption Framework (SAF)
Tampa BSides - Chef's Tour of Microsoft Security Adoption Framework (SAF)Mark Simos
 

Recently uploaded (20)

Use of FIDO in the Payments and Identity Landscape: FIDO Paris Seminar.pptx
Use of FIDO in the Payments and Identity Landscape: FIDO Paris Seminar.pptxUse of FIDO in the Payments and Identity Landscape: FIDO Paris Seminar.pptx
Use of FIDO in the Payments and Identity Landscape: FIDO Paris Seminar.pptx
 
TeamStation AI System Report LATAM IT Salaries 2024
TeamStation AI System Report LATAM IT Salaries 2024TeamStation AI System Report LATAM IT Salaries 2024
TeamStation AI System Report LATAM IT Salaries 2024
 
How to write a Business Continuity Plan
How to write a Business Continuity PlanHow to write a Business Continuity Plan
How to write a Business Continuity Plan
 
Ensuring Technical Readiness For Copilot in Microsoft 365
Ensuring Technical Readiness For Copilot in Microsoft 365Ensuring Technical Readiness For Copilot in Microsoft 365
Ensuring Technical Readiness For Copilot in Microsoft 365
 
Digital Identity is Under Attack: FIDO Paris Seminar.pptx
Digital Identity is Under Attack: FIDO Paris Seminar.pptxDigital Identity is Under Attack: FIDO Paris Seminar.pptx
Digital Identity is Under Attack: FIDO Paris Seminar.pptx
 
The Ultimate Guide to Choosing WordPress Pros and Cons
The Ultimate Guide to Choosing WordPress Pros and ConsThe Ultimate Guide to Choosing WordPress Pros and Cons
The Ultimate Guide to Choosing WordPress Pros and Cons
 
New from BookNet Canada for 2024: BNC CataList - Tech Forum 2024
New from BookNet Canada for 2024: BNC CataList - Tech Forum 2024New from BookNet Canada for 2024: BNC CataList - Tech Forum 2024
New from BookNet Canada for 2024: BNC CataList - Tech Forum 2024
 
Transcript: New from BookNet Canada for 2024: BNC CataList - Tech Forum 2024
Transcript: New from BookNet Canada for 2024: BNC CataList - Tech Forum 2024Transcript: New from BookNet Canada for 2024: BNC CataList - Tech Forum 2024
Transcript: New from BookNet Canada for 2024: BNC CataList - Tech Forum 2024
 
Transcript: New from BookNet Canada for 2024: Loan Stars - Tech Forum 2024
Transcript: New from BookNet Canada for 2024: Loan Stars - Tech Forum 2024Transcript: New from BookNet Canada for 2024: Loan Stars - Tech Forum 2024
Transcript: New from BookNet Canada for 2024: Loan Stars - Tech Forum 2024
 
What's New in Teams Calling, Meetings and Devices March 2024
What's New in Teams Calling, Meetings and Devices March 2024What's New in Teams Calling, Meetings and Devices March 2024
What's New in Teams Calling, Meetings and Devices March 2024
 
Streamlining Python Development: A Guide to a Modern Project Setup
Streamlining Python Development: A Guide to a Modern Project SetupStreamlining Python Development: A Guide to a Modern Project Setup
Streamlining Python Development: A Guide to a Modern Project Setup
 
Connect Wave/ connectwave Pitch Deck Presentation
Connect Wave/ connectwave Pitch Deck PresentationConnect Wave/ connectwave Pitch Deck Presentation
Connect Wave/ connectwave Pitch Deck Presentation
 
DevoxxFR 2024 Reproducible Builds with Apache Maven
DevoxxFR 2024 Reproducible Builds with Apache MavenDevoxxFR 2024 Reproducible Builds with Apache Maven
DevoxxFR 2024 Reproducible Builds with Apache Maven
 
New from BookNet Canada for 2024: Loan Stars - Tech Forum 2024
New from BookNet Canada for 2024: Loan Stars - Tech Forum 2024New from BookNet Canada for 2024: Loan Stars - Tech Forum 2024
New from BookNet Canada for 2024: Loan Stars - Tech Forum 2024
 
Hyperautomation and AI/ML: A Strategy for Digital Transformation Success.pdf
Hyperautomation and AI/ML: A Strategy for Digital Transformation Success.pdfHyperautomation and AI/ML: A Strategy for Digital Transformation Success.pdf
Hyperautomation and AI/ML: A Strategy for Digital Transformation Success.pdf
 
SIP trunking in Janus @ Kamailio World 2024
SIP trunking in Janus @ Kamailio World 2024SIP trunking in Janus @ Kamailio World 2024
SIP trunking in Janus @ Kamailio World 2024
 
The State of Passkeys with FIDO Alliance.pptx
The State of Passkeys with FIDO Alliance.pptxThe State of Passkeys with FIDO Alliance.pptx
The State of Passkeys with FIDO Alliance.pptx
 
Nell’iperspazio con Rocket: il Framework Web di Rust!
Nell’iperspazio con Rocket: il Framework Web di Rust!Nell’iperspazio con Rocket: il Framework Web di Rust!
Nell’iperspazio con Rocket: il Framework Web di Rust!
 
Unleash Your Potential - Namagunga Girls Coding Club
Unleash Your Potential - Namagunga Girls Coding ClubUnleash Your Potential - Namagunga Girls Coding Club
Unleash Your Potential - Namagunga Girls Coding Club
 
Tampa BSides - Chef's Tour of Microsoft Security Adoption Framework (SAF)
Tampa BSides - Chef's Tour of Microsoft Security Adoption Framework (SAF)Tampa BSides - Chef's Tour of Microsoft Security Adoption Framework (SAF)
Tampa BSides - Chef's Tour of Microsoft Security Adoption Framework (SAF)
 

Harry Powell - "Reimagining Data"

  • 2. 2 | Barclays PCB - Advanced Data Analytics Recommendation == Similarity – How is Tesco similar to Asda? – How is Tesco in Bristol similar to Asda in Bath? – How is Tesco in Bristol similar to Bristol Angling Centre? Assume that the similarity of two businesses can be measured by whether they share customers
  • 3. 3 | Barclays PCB - Advanced Data Analytics The data: Customer transactions Timestam p Customer Business Amount (£) … Bob Smith Tesco, Bristol … … Mary Jones Tesco, Bristol … … Bob Smith Asda, Bath … … John Taylor Bristol Angling Centre …
  • 4. 4 | Barclays PCB - Advanced Data Analytics Cosine Similarity 𝐴𝑠𝑑𝑎 = 𝐀 = (1,1,1,0,1,1,0,0) 𝑇𝑒𝑠𝑐𝑜 = 𝐁 = 1,0,1,0,1,1,0,1 𝐀 ⋅ 𝐁 = 𝐀 𝐁 cos 𝜃 Customer Tesco Asda Bob Smith Yes Yes Mary Jones No Yes John Taylor Yes Yes Jane Williams No No Gary Brown Yes Yes Liz Davis Yes Yes David Evans No No Helen Wilson Yes No
  • 5. 5 | Barclays PCB - Advanced Data Analytics Matrix factorisation ⇒ 1 0 1 0 1 1 0 1 1 1 0 1 1 0 1 0 ≈ … … … … … … … … × … … Customer Tesco Asda Bob Smith Yes Yes Mary Jones No Yes John Taylor Yes Yes Jane Williams No No Gary Brown Yes Yes Liz Davis Yes Yes David Evans No No Helen Wilson Yes No Preferences of Customers Attributes of Businesses
  • 6. 6 | Barclays PCB - Advanced Data Analytics Using the whole graph Tesco Asda BP Boots Timestam p CustomerI D MerchantName Amount (£) … 1 Tesco … … 1 Asda … … 2 Boots … … 2 BP … … 3 Tesco … … 3 Boots … … 3 BP … … 4 Asda …
  • 7. 7 | Barclays PCB - Advanced Data Analytics Customer transactions as a graph Tesco Asda BP BootsTesco Asda BP Boots Tesco Asda BP Boots
  • 8. 8 | Barclays PCB - Advanced Data Analytics Tesco Asda BP Boots Tesco Asda BP Boots Our metric: Expected Degrees of Separation
  • 9. 9 | Barclays PCB - Advanced Data Analytics Complexity
  • 10. 10 | Barclays PCB - Advanced Data Analytics Markov factorisation Factorise Factorise Factorise
  • 11. 11 | Barclays PCB - Advanced Data Analytics Scalability problems with trees Where 𝑛 = 1,000,000 Actually 𝑛 starts at a few thousand for low 𝑘, but quickly escalates 𝑛 𝑠𝑜𝑢𝑟𝑐𝑒 𝑛𝑜𝑑𝑒𝑠 × (𝑛 − 1) 𝑑𝑒𝑠𝑡𝑖𝑛𝑎𝑡𝑖𝑜𝑛 𝑛𝑜𝑑𝑒𝑠 × 𝑘 𝑑𝑒𝑝𝑡ℎ × (𝑛 − 1) 𝑛𝑜𝑑𝑒𝑠 𝑎𝑡 𝑒𝑎𝑐ℎ 𝑠𝑡𝑒𝑝 ⇒ 𝑂 𝑛3 𝑘
  • 12. 12 | Barclays PCB - Advanced Data Analytics Factorising graphs (recursion, A*)
  • 13. 13 | Barclays PCB - Advanced Data Analytics Elimination of insignificant paths
  • 14. 14 | Barclays PCB - Advanced Data Analytics Linear Sampling ≈
  • 15. 15 | Barclays PCB - Advanced Data Analytics DataScienceisreimaginingdata

Editor's Notes

  1. Introduction to Barclays Advanced Data Analytics (ADA) ADA is a data science team which innovates, designs and builds applications that deliver, direct to customers, relevant analytical content that will help them make smart decisions to improve their lives. We are aim to make applications that will revolutionise the way Barclays relates to our customers. The long term vision is to give each of our customers the same level of engagement and support in planning their finances and their lives as they would have if they were billionaires.