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      <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek</link>
      <description></description>
      <language>en-us</language>
      <pubDate>2024-10-31 14:44:35 UTC</pubDate>
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         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196422667</link>
         <description><![CDATA[<p>F - Cost savings</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:30:48 UTC</pubDate>
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         <title></title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196422788</link>
         <description><![CDATA[<p>Strategic - lacks transparency and not in line with values - reputation damage</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:30:54 UTC</pubDate>
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         <title>Reputation/trust damaged</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196422961</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:31:03 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196422961</guid>
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      <item>
         <title>FX risk offset by natural hedging</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196423227</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:31:15 UTC</pubDate>
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         <title></title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196423228</link>
         <description><![CDATA[<p>Price sensitive market</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:31:15 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196423228</guid>
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      <item>
         <title>S</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196423854</link>
         <description><![CDATA[<p>Lack of transparency (does not align with values and risk of FCA)</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:31:43 UTC</pubDate>
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         <title></title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196423905</link>
         <description><![CDATA[<p>Bad cash position - do they have the cash to invest in this - F</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:31:44 UTC</pubDate>
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         <title>Strategic - against values - transparency</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196424101</link>
         <description><![CDATA[<p>Lack of transparency </p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:31:50 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196424101</guid>
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      <item>
         <title>S</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196424174</link>
         <description><![CDATA[<p>People don’t like AI - may put off customers </p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:31:53 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196424174</guid>
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         <title></title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196424304</link>
         <description><![CDATA[<p>O - staff training to use the AI?</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:31:58 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196424304</guid>
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      <item>
         <title>O - Potential staff cuts from AI replacement  </title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196424545</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:32:10 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196424545</guid>
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      <item>
         <title>Strategic</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196424851</link>
         <description><![CDATA[<p>Helps keep them in line with compliance and regulations.</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:32:21 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196424851</guid>
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         <title>Financial</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196425080</link>
         <description><![CDATA[<p>Can help avoid fines</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:32:31 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196425080</guid>
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         <title>Operational - may cause staff redundancies</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196425081</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:32:31 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196425081</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196425087</link>
         <description><![CDATA[<p>O - Data security? </p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:32:31 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196425087</guid>
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      <item>
         <title>lack of knowledge </title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196425294</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:32:40 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196425294</guid>
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      <item>
         <title>O - risk of failed KYC checks leading to ethical breaches and fines. Ensure sufficient monitoring and reviews in place</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196425626</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:32:52 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196425626</guid>
      </item>
      <item>
         <title>O - do we have expertise to implement this?</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196425650</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:32:53 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196425650</guid>
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      <item>
         <title>Financial</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196425662</link>
         <description><![CDATA[<p>Initial investment leads to reduced future costs</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:32:54 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196425662</guid>
      </item>
      <item>
         <title>Enables growth as can deal with higher volumes</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196425672</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:32:54 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196425672</guid>
      </item>
      <item>
         <title>Increased compliance issues, fraud, illegal activity</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196425767</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:32:58 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196425767</guid>
      </item>
      <item>
         <title>Strategic</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196425957</link>
         <description><![CDATA[<p>If AI forecasting is not accurate can impact KPIs</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:33:08 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196425957</guid>
      </item>
      <item>
         <title>O</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196426225</link>
         <description><![CDATA[<p>Lack of experience with AI so could be underlying costs </p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:33:18 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196426225</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196426637</link>
         <description><![CDATA[<p>Could be seen as unethical, lack of transparency, business trust compromised</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:33:36 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196426637</guid>
      </item>
      <item>
         <title>Strategic - innovative and tech enabled in line with their values</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196426719</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:33:41 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196426719</guid>
      </item>
      <item>
         <title>Operational</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196426798</link>
         <description><![CDATA[<p>Customers will just ask the AI to speak to a real person - will still need real people</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:33:45 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196426798</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196426817</link>
         <description><![CDATA[<p>F- initial cash needed</p><p>0 - sack existing workers </p><p>S - could improve compliance</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:33:46 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196426817</guid>
      </item>
      <item>
         <title>O</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196426922</link>
         <description><![CDATA[<p>Helps them maintain reputation if they stop unethical transactions</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:33:51 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196426922</guid>
      </item>
      <item>
         <title>Financial</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196426965</link>
         <description><![CDATA[<p>Any errors as a result of the implementation of AI could result in fines from the FCA</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:33:53 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196426965</guid>
      </item>
      <item>
         <title>chatbot might not address specific issues or may have unreliable outputs</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196427096</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:33:59 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196427096</guid>
      </item>
      <item>
         <title>S - change in service provider to work alongside AI, requires retraining</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196427225</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:34:06 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196427225</guid>
      </item>
      <item>
         <title>Could cause data security issues</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196427294</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:34:09 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196427294</guid>
      </item>
      <item>
         <title>Operational</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196427353</link>
         <description><![CDATA[<p>Complications of changing pricing procedures e.g. additional admin and training for staff</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:34:12 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196427353</guid>
      </item>
      <item>
         <title>Less personal</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196427586</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:34:25 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196427586</guid>
      </item>
      <item>
         <title>O</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196427592</link>
         <description><![CDATA[<p>Program errors and inefficiencies</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:34:26 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196427592</guid>
      </item>
      <item>
         <title>S</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196427597</link>
         <description><![CDATA[<p>Risk of illegal activity being undetected with AI which damages reputation </p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:34:26 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196427597</guid>
      </item>
      <item>
         <title>TRANSPARENCY</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196427704</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:34:31 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196427704</guid>
      </item>
      <item>
         <title>Management time taken up by AI implementation which will reduce time spent on growth</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196427875</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:34:41 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196427875</guid>
      </item>
      <item>
         <title>F - potentially profitable returns without customers realising they are paying a premium</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196428284</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:34:58 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196428284</guid>
      </item>
      <item>
         <title>Strategic</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196428333</link>
         <description><![CDATA[<p>WMP not very good at developing their own tech - impairments of intangibles previously seen</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:35:00 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196428333</guid>
      </item>
      <item>
         <title>S</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196428869</link>
         <description><![CDATA[<p>Negative customer experience, lead to reputation damage </p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:35:19 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196428869</guid>
      </item>
      <item>
         <title>O. - increase efficiency, free up capacity for staff to work on more complex tasks</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196428959</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:35:23 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196428959</guid>
      </item>
      <item>
         <title>Operational - help manage staff workload and get new users onboarded quicker if KYC improves.</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196430199</link>
         <description><![CDATA[<p><br/></p><p>Strategic - can help enhance brand reputation </p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:36:18 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196430199</guid>
      </item>
      <item>
         <title>price promo - short term vs long term impact</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196430264</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:36:21 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196430264</guid>
      </item>
      <item>
         <title>F - cash investment required</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196430273</link>
         <description><![CDATA[<p>Doesn’t hit bottom line - cash flow already strained</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:36:22 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196430273</guid>
      </item>
      <item>
         <title>No fees - more low value transactions- difficult to monitor fraud </title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196434082</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:39:05 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196434082</guid>
      </item>
      <item>
         <title>direct competition with wirewings chatbot? WMP needs to differentiate itself</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196440509</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:43:15 UTC</pubDate>
         <guid>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196440509</guid>
      </item>
      <item>
         <title>Financial</title>
         <author></author>
         <link>https://padlet.com/kaplaneducation/ydgyjs1wy4v8pdek/wish/3196443745</link>
         <description><![CDATA[<p>Any errors as a result of the implementation of AI could result in fines from the FCA</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-10-31 15:45:36 UTC</pubDate>
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