Obongjayar is a bank that has chosen a disruptive approach to its business model, which allows it operate without branches and with a significant number of 'bots' (automated process applications, using artificial intelligence). In order to stop this being a barrier to recruitment, Obongjayar has established a 'fast-track' development programme for its graduate recruits. The bank also offers prizes to employees if they propose a radically-different way of performing any standard banking process. The World Economic Forum Digital Transformation of Industries project (DTI) proposed a 7-step process to build a 'digital workforce'. Examine the above description and identify which TWO of the steps proposed by the DTI are being described. a. Create a workforce with digital skills b. Foster a digital culture in the enterprise c. Become an employer of choice for millennials d. Attract and retain talent e. Bring leadership into the digital age