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2. Savita Farooqu: Savita emphasized the importance of considering the business ecosystem, including incentive models and commercial models, which are crucial for understanding why people engage in an ecosystem. She also pointed out that business requirements and interests are typically more focused on the higher application level, while technology interests are more concentrated on the lower levels. Her representation included a diagonal scale to illustrate the varying degrees of business and technology focus across different layers.

3. Joe SpenceSpencer: Joe introduced the concept of an operational stack, which is separate from governance and technology. He suggested that operations management, which deals with the day-to-day running of a system, is distinct from the independent oversight provided by governance. Joe's perspective was informed by his experience with global bank payment schemes, and he highlighted the need to consider operational aspects when defining governance architecture.

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