With a $2 billion budget at a huge institution in the technological heartland of America, one might think innovation comes easy to Avid Modjtabai: with those resources, it's there for taking. But merely throwing money at issues isn't enough.

In her tenure as CIO at San Francisco-based Wells Fargo, the fourth-largest bank in the country, Modjtabai's main motivation is acting on, understanding and shaping the customer and worker experience. That is the main driver for a technology vision, rather than wanting technology to drive a vision of the customer experience.

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