Turning a Data Modernization Strategy into a Data Monetization Program is about transforming data into a valuable asset for businesses. Fiserv, a company with extensive experience in application development and digital transformation, has a data-first approach and plans to monetize its data through various means such as offering data products and analytics services to merchants and consumers. The company's applications development team operates in an Agile scrum model, prioritizing developer productivity, automation, and self-service. To achieve this, Fiserv is exploring the use of modern platforms like YugabyteDB, container management platforms, and cloud-native technologies. The goal is to create a platform-as-a-service that exposes services for app developers, eliminating the need for them to build their own database expertise from scratch. This will enable faster development, better data consistency, high availability, and resilience. Fiserv also recognizes the importance of cultural changes to support this model, including embracing failure, transparency, and stake-setting. By doing so, they aim to create a "Tip of the Spear" team that is agile, productive, and able to deliver value quickly.