In this episode of Evolving the Enterprise, host Dayle Hall speaks with David Holton, Chief Transformation Officer at Cambridge & Counties Bank. With over 15 years of experience in financial services, David has led transformative initiatives focused on data-driven growth, AI enablement, and customer-centric modernization.David discusses what it really means to put customers first in an increasingly digital world—and why human connection, cultural readiness, and trust remain the cornerstones of sustainable transformation. From shared-risk vendor partnerships to the moments that truly matter in customer journeys, David offers a practical, people-first view of how to use AI responsibly and meaningfully.