“Culture is more important than spend,” says Ashok Vaswani, CEO of Barclays UK. “Ultimately, people who are excited by technology want permission to do things. If you can give them that permission, that’s when exciting things happen. And who has that authority? It has to start at the top. The role of senior management is to make sure that folks like me don’t hold them up or create trouble for them. My job is to make sure that people get out of the way.”