Michael Baumann as the executive general manager of customer, digital, and AI in its retail bank. I spoke with Dr. Baumann to understand the thinking behind this integrated role, how it’s shaping CommBank’s digital strategy, and what it means for the future of banking. Q: Dr. Baumann, your role combines customer, digital, and AI leadership. Why bring these functions together? Absolutely. It’s a unique combination but one that makes strategic sense.