Paradoxically, as CTO my job is to make the phrase "We need a decision" disappear from our company. I don't know how to say that phrase in English — because I've never worked that way. If I said that to my boss, or a team member said it to me, the answer would always be: "That's your job."

Making this possible requires quite a bit. It starts with radical transparency — sharing everything in the company — then builds through user event tracking, a data lake, query tools, an experimentation platform where you can directly measure user reactions in quantitative terms, performance measurement and reward structures that make data unavoidable, people who can persuade and be persuaded with data and numbers, and an obsession with user impact and product.

When that environment exists, asking someone else for a decision becomes embarrassing. Instead of asking for decisions, people ask for guidance on hypotheses or experiments, or collaborate with a data foundation that can provide the right framing. When you obsess over user impact through data, decisions follow on their own. Having everyone in the organization make data-driven decisions, execute, iterate, and build on their successes — that will become the natural daily reality for tech companies going forward. And Banksalad will lead the way.

(So if you ask what "MyData" is — I'd say: it's making this possible for every individual, too.)