Mac Mahalingam is a London-based Senior Technology Leader in Financial Services specialising in Digital Banking, Cloud Transformation, AI/ML/DL and Cloud Payments. He is a Senior Lead Architect working for HSBC Wholesale Banking in the UK within the Credit & Lending Line of Business. Previously he was the Chief Architect for HSBC Kinetic, a mobile-first cloud-native Digital business banking proposition from HSBC Group for Small and Medium Enterprises (SMEs). He has worked for leading UK banks and investment banks in the past. Mac does thought leadership on ideas that are hybrid concepts behind mainstream architectural approaches and styles. He speaks regularly in the UK and Europe in Conferences, Summits, Public & Private Roundtables. He has been part of few new bank initiatives at large & neo digital banks and has been the Chief Architect for a UK neo-bank launch in the past. Co-founder of a London-based Architects group called "Architect Exchange" focused on the new wave of architecture within both Business and Technology.