8 | | JANUARY 2026IN MY OPINIONAt TD, our goal has always been to innovate in ways that empower our customers with highly personalized, digital experiences that can help them make financial decisions with confidence. In an increasingly omnichannel world, our customers are relying on TD's digital tools more than ever before to manage their day-to-day banking needs, and we are supporting our customers with the right products and services to meet their financial aspirations.Over the last three years, we have significantly matured our data capabilities, talent and technology investments and delivered machine learning models that improved our predictive capabilities and helped to transform how the Bank operates.We continue to build on our strategic relationships and invest in new ones to modernize our data platform to unlock data at scale and enhance analytical capabilities. We recently announced the expansion of our work with Microsoft Azure and a new agreement with Databricks that will help power new customer experiences and enable employees to collaborate in new ways across the Bank accelerating our move to the public Cloud and introducing tools that will deliver richer insights and powering dynamic digital experiences for TD customers.The future not only includes collecting data and insights about customer needs but to also understand customer motivations and expectations, so we can deliver personalized experiences and help our customers achieve their financial goals.Everything Starts with Data.It's a race for the best organizations around the world to be able to turn this data into a competitive advantage. With an increased demand for digital convenience and individualized financial advice, we know there is so much potential to help customers and deliver more personalized and connected experiences. As we continue to focus on delivering positive customer experiences, we are also committing to meeting and exceeding customer expectations across all the platforms where we engage and connect with them. We are creating and executing on prioritized roadmaps for digital, data, and technology capabilities that drive business outcomes. Data is enabling us to have deeper relationships with our customers and have a kind of ongoing digital conversation with them so we can understand their preferences and bring them personalized experiences that meet THE STRIVE TO GLEAN REAL-TIME OPERATIONAL INSIGHTSBy Jeff Martin, EVP Procurement, Data and Corporate Platfrom, TDJeff Martin
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