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Innovation and Financial Inclusion

The Innovation and Financial Inclusion Group focuses on overall digital transformation of HBL, including enabling the drive towards becoming a Data Driven organization. It aims to transform our customer’s banking experience through the use of data for in-the-moment engagement and real-time / predictive analytics and decision making capabilities, innovation, business model redesign and development of new channels to tap the unbanked segments. The emergence of digital age has served to revolutionize the current bank offerings using concepts like straight-through processing, product and process redesign, data analytics, machine learning, branchless ecosystem and IoT (internet of things).

The Group consists of following four Departments:

  • Branchless Banking – Konnect by HBL
  • Digital Transformation – Driving Digital Projects across the enterprise
  • Data Strategy- Including Data Lake, Analytics, AI/ ML
  • Enterprise Solution and Digital Channels – HBL Mobile, HBL Pay, Billing Aggregator