Gary Farrow is Director of Triari Consulting, a consultancy specialising in regulatory-techni¬cal consulting and provider of IT architecture advisory services for the financial sector. As a lead architect on many successful programmes, he has undertaken senior roles at major banks and financial services firms in the UK and was the Chief Architect on the UK’s Open Banking initiative. Gary has deep domain specialism in payments systems architectures and cash/liquidity management solutions and broad experience across multiple financial ser¬vices domains. Recent interests relate to the application of intelligent automation and AI to banking operational processing. His work on payments systems architecture has been widely published and is a regular contributor and reviewer for the Journal of Payment Strategy and Systems. His professional associations include Fellow IET, Chartered Engineer and is an Open Group Master Certified Architect.