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Before long, we had built smelting rooms with the latest technology of the time at the back of our branches, and we were melting nuggets down and turning them into gold bars," he explained. "Each of these things seems obvious today, but they were a big deal at the time. What they reflected was the recognition that society was changing, and that if we were going to keep up with the expectations of society and of our customers then we needed to lead by adapting. "As we enter our third century of business, this need to adapt has never been more acute." When an organisation focuses on what its customers want, Hartzer said it naturally ends up being more innovative. Westpac installed Australian banking's first computer and its first ATM; the bank was also the first to launch internet banking back in 1995, and again the first in the world to allow customers to log into mobile banking using their fingerprint. "By the way, we built that in less than three months with the help from AWS," Hartzer added. Hartzer pointed toward the bank's recently announced Westpac Keyboard as an example of the next stage of adaptation for the business. The CEO explained that Westpac has realised it cannot meet new demands on its own, and partnered with Israeli startup PayKey. "Yes, we can learn from the tech sector, we can learn from startups, we can embed customer-centred design, embed agile scrums -- and we're doing all that -- but by working with startups, we think we get the best of both worlds because we get the speed, hunger, creativity of the startup community and we combine that with the strength, the resources, the customer base, the experience, the risk-management skills of a major bank," he said.