Chief Guest

Zafar Masud

President & CEO
BOP

Closing Remarks

Atif Bajwa

President & CEO
Bank Alfalah

SESSION 1

Winning Customers 2026–2030

Keynote Speaker

Jim Brown

Non-Exec Chairman
Secure Trust Bank

Jim Brown is an experienced banking professional from New Zealand with extensive executive and board-level expertise across international financial services.
He currently serves as Chair of Secure Trust Bank Plc, a UK-listed specialist bank, and as a Non-Executive Director of Just Group Plc, a UK-listed insurance company. Jim also advises and invests in several fintech businesses across Europe and Asia.

Panel Discussion

Moderator

Atif Salim Malik

COO
JS Bank
Panelist

Muhammad Nassir Salim

President & CEO
HBL
Panelist

Basir Shamsie

President & CEO
JS Bank
Panelist

Saadya Riaz

Head Wealth & Retail Banking
Standard Chartered Bank
Panelist

Amir Khan

President & CEO
HBL Microfinance Bank
Panelist

Muhammad Ali Gulfaraz

CEO
Dubai Islamic Bank

Presentations

Najeeb Agrawalla

CEO, 1LINK

Change is Inevitable:

Interoperationability is the only sustainable response

Abu Abdullah Ashar Naeem

Co-founder & CEO, wAI Industries

The AI Paradox:

Why Revenue Generation Outperforms Cost Reduction in Emerging Markets

SESSION 2

Digital Solutions & AI In Retail Banking

Keynote Speaker

Xi Liang

Head of AI
Mashreq Bank

Xi Liang is a globally recognized AI executive and thought leader with decades of experience spanning banking, technology, consulting, retail, and healthcare. She currently serves as Head of Artificial Intelligence at Mashreq Bank, where she leads enterprise-wide AI strategy, drives large-scale innovation, and oversees the deployment of next-generation, production-grade AI solutions across the organization.

Panel Discussion

Moderator

Mir Nejib Rehman

COO
Pakistan Banks’ Association
Panelist

Nofel Daud

CDO
Bank of Punjab
Panelist

Muhammad Hamayun Sajjad

CEO
Mashreq Pakistan
Panelist

Yahya Khan

CDO
Bank Alfalah
Panelist

Haaris Mahmood Chaudhary

President & CEO
Mobilink Bank
Panelist

Habibullah Khan

Co-Founder & CPO
Brandneu
Panelist

Hassan Abbas

CEO
Sky47

Presentations

Ajanthan Sivathas

CIO
SCB

The New Customer:

Redefining Trust and Client Experience

Dr. Waqas Javed

Divisional Head of Data Analytics and AI
BOP

Scaling AI Responsibly in Banking:

Operationalizing Inclusive Digital Lending

The retail banking playbook 2026 to 2030

The official dossier from the Reset Seminar, held on February 2, 2026, in partnership with Standard Chartered.

What’s inside

  • Six strategic insights for retail banking through 2030
  • An executive summary on credit, AI, inclusion, interoperability, talent, and cyber resilience
  • Summaries of 3 keynotes, 2 panels, and 4 presentations
  • Views from leaders at local and international banks, payment networks, and fintechs

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