Patrick Kua is the chief scientist at the mobile bank N26, where he’s building the engineering group that will change how retail banking works. Previously, Patrick was the CTO of N26 and a principal technical consultant at ThoughtWorks in London. He’s the author of three books: The Retrospective Handbook, Talking with Tech Leads, and most recently, Building Evolutionary Architectures. Patrick is a frequent conference speaker and blogger. He’s passionate about bringing a balanced focus between people, organizations, and technology.