Richard Walton is a software developer turned serial tech entrepreneur with over 20 years of experience at the intersection of telecoms, financial services, and data-driven customer intelligence. As CEO of Digitata Limited, he leads a team applying AI, machine learning, and Behavioural Analytics to help banks, fintechs, and mobile operators drive revenue growth and deliver smarter customer experiences.
Richard has built and led multiple technology businesses across payments, mobile, and SaaS, giving him a rare combination of deep technical fluency and hands-on commercial experience. He founded his first software company in 2006 and has since navigated the full journey from startup to private equity-backed growth business.
Digitata's work centers on understanding the why behind customer behaviour, using predictive modelling, segmentation, and real-time decisioning to move organisations from reactive product-pushing to proactive, personalised engagement. He is a strong advocate for AI augmentation as a competitive lever, demonstrating how data richness and behavioural signals can unlock value that traditional banking models routinely leave on the table. AO Behavioural Banking and Behavioural Insurance are powered by Digitata.

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