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Data centricity is the use of data as a shared asset to create intelligence and insights for customers and stakeholders, and to continuously improve decisions, processes, products, and services. According to a EY Tech Horizon 2022 survey, only 16 per cent of organisations say that they are data-centric today, although that percentage seems to be increasing. Regulators across jurisdictions now expect FIs to share increasingly granular data, faster and at a greater frequency. With the empowerment of AI and machine learning, data will no longer remain static and AI systems, combined with machine learning, are transforming data so that it will learn, evolve and become more valuable.