Insights
Our perspectives on the world, grounded in data
We know that the best decisions are made only when we have access to the best information, so we are always searching for a better truth. This is a summary of our search:
Recent thoughts
Trust1 minute read
The dichotomy of tech and trustThe vast digital gap between those with access, privacy, and security - and those without - will only become more profound if the concept of trust architecture isn’t inserted into our developments. Building and maintaining this trust is what will enable digital-first marketplaces to thrive.
Trust5 minute read
The invasive convenience of digital experiencesAt ATB Ventures, we had an inkling that people may be losing trust in the companies they share their data with on a daily basis. There’s something convenient about our online experiences, but are we starting to feel like it’s getting just a bit too invasive?
Trust6 minute read
World War ContagionWe are facing another war—not with an enemy that is dividing the world, but a pandemic that is uniting us. What will it mean for our future when the biggest war in recent years wasn't fought with an enemy nation but within our borders?
Data5 minute read
Putting the customer first by putting them at the center of everything we do.Self-Sovereign Identity (SSI) is a model for managing digital identities in which an individual has sole ownership and oversight over how, when and with whom their personal data is being shared. Users who subscribe to this model are able to hold and store all of their information directly on their own device and share for verification without the need of a central aggregator of data (i.e Equifax) - which tend to be highly vulnerable to theft and attack. Each time you interact with an organization to access services or pay for goods, a large amount of personal information is shared with a variety of agents (for example driver's license, Social Insurance Numbers, emails, etc). Not only is this a cumbersome process for you, but the more information you share the greater the risk is for the security of your data.
Trust4 minute read
Blockchain your identityThink of all the places your identity is currently stored. Rather than 10-20 different organizations having their own version of your identity, you could go through life with one consistent record, that you completely control, granting other parties access to it when necessary—to open a bank account, get a car loan or be approved for your first mortgage. This is the future ATB is exploring, with the help of blockchain technology. And our starting point is, of course, making banking work for you.
Trust2 minute read
Building a system of trust in the application of AIAs ATB Financial (ATB) increases its investment in Artificial Intelligence (AI) via operations and products, it is committed to translating ATB values and principles into the decision-making processes and optimizations of AI. AI presents considerable opportunities to better serve customers, but it also encompasses particularly intricate challenges to value-based decision-making because it introduces complexity, uncertainty, and scale. These features mean that harm is more challenging to evaluate and pre-empt, and that even the smallest decision may have a large long-term effect that is difficult to detect and fix. We are investing in the opportunity AI presents to enhance customer experiences. The intent with this work is to build our capacities to: identify, assess, mitigate, and monitor the ethical dimensions in AI uptake - ensuring ATB leads by example in the ethical deployment of emerging technology.