"The real questions are how we grow our business, what our clients want, how we gain market share, and which sectors matter from both an organisational and a national perspective. It will be a good time to sit down, take a relook at the progress made, and especially consider new global trends — how technology, digital banking, and AI can be used to drive the next phase of growth." Saadya Riaz, Head of Wealth and Retail Banking at Standard Chartered Pakistan, shares how the growing shift toward w