HBL’s vision is to embed technology within the very fabric of the Bank. We see technology as a force multiplier and enabler and recognize it as a crucial, but not the only, component of our drive towards increasing revenues, reducing costs and enhancing customer experience. We also are fully aware of the fact that technology in itself is not the solution, it is the complex interplay of technology enabled services with empowered employees that will allow the full potential of the bank to be unleashed.