In this compelling talk, Sardar Yasir Ilyas invites us to rethink Pakistan’s future through the powerful lens of tourism. Drawing from real-world experience and a deep connection to Pakistan’s landscapes, he explores how the country’s breathtaking natural beauty—mountains, valleys, culture, and heritage—can be transformed into a sustainable national strength. Sardar Yasir Ilyas Khan is a prominent Pakistani businessman, serving as the Group CEO of The Centaurus, a major real estate developer, and the Nation ...

Financial Inclusion Challenges in Pakistan - 80% of Pakistan's 250 million people are financially excluded [3] - 11 trillion rupees are outside the formal sector [4] - Over 40% of agricultural produce is wasted due to lack of storage [4] - 266 billion children are out of school [5] - Microfinance reaches less than 1 million households despite 30 years of formal microfinance [8][9] Institutional Landscape and its Limitations - Pakistan has approximately 35 commercial banks and 12 microfinance banks, plus nearly 40 non-bank financial institutions [7] - Microfinance serves about 12 million microloans, but only around 4 million unique clients [7][8] - Larger microfinance institutions serve only two to three lakh (200,000-300,000) clients, significantly less than institutions in Bangladesh and India [9] Required Institutional "Killer Apps" - Capital: Need for a spectrum of capital, including tier one and tier two capital, for non-bank financial service providers [12][13] - Funding: Need for diverse funding sources beyond shareholder capital, including capital markets activity (retail TFCs, commercial papers, etc) [14][15] - Risk Predicates: Safety nets like collateral (gold), first loss guarantees, and party passive guarantees are needed to encourage lending to vulnerable populations [16][17] - Technology, Product Strategy, and Channel Strategy: Leveraging Pakistan's high teledensity (around 120 million unique SIMs) and the NADRA database for KYC/AML [20] Banking as a Service (BaaS) - Banks need to evolve from product providers to ecosystem enablers, offering "banking as a service" [21] - BaaS involves banks becoming platforms where fintechs and digital companies can access funding and scale [24] - This can enable instant access to financing for e-commerce merchants and women entrepreneurs [24]

Investment Journey & Early Experiences - The speaker's investment career began in 1990, 36 years prior to the talk, with small investments through IPOs [2] - As a class 6 student, the speaker was inspired to invest after a talk from the National Saving Center, demonstrating an early interest in finance [3][4] - In 1994, the speaker founded a brokerage house, initially acting as a one-person operation [5] Challenges & Lessons Learned - The speaker experienced challenges in accessing timely financial news in the early days of Pakistan's economy [5] - The speaker witnessed both ordinary individuals becoming wealthy and millionaires losing their fortunes, highlighting the importance of consistency, persistence, and courage [7] - The speaker emphasizes that there are no shortcuts to success in building wealth, and overnight gains are unsustainable [9] Market Insights & Future Focus - Pakistan's capital market has only produced 400,000 investors in its 78-year history, indicating a need for greater investor education and participation [7] - The speaker's firm was the first to acquire a Sharia-compliant Islamic brokerage house, catering to the growing interest in faith-based investment [7] - The speaker advocates for the youth to start saving and investing early to meet their future needs and contribute to the economy [8] - The speaker's current passion is to educate the youth about savings and investment, emphasizing its importance for both individual and economic growth [9]

లైఫ్ ఆ నేను మీలాగే కాలేజీలో చదువుకొని కలలు కానీ అలా కాదు కాలేజీ అనే లైఫే లేదు నాలో మామూలుగా ఎక్కడో మారుమూల గవర్నమెంట్ స్కూల్టెన్త్ వరకు చదివాను అంతే బట్ కాలేజీలో చదువుకోవాలి ఆ యంగ్స్టర్ అమ్మాయిలు అబ్బాయిలు కలిసి చదువుకొని ఆ లవ్వులు ఆ లవ్ ట్రాక్లు ఆ పిక్నిక్లు అవేం లేవా ఏ లేకపోతే బోరు ఏముంటది కాలేజీలో గర్ల్స్ కాలేజీలోనే ఎక్కువ ఉంటాయండి బాబోయ్ చూసారా రియాక్షన్ ఎలా ఉందో టీచర్స్ ముందు బయట పడరు కానీ మాయమాకు ఉంటాయి కదా సో బేసిక్ గా ఇలాంటివన్నీ కావాలి కాలేజ్ లైఫ్ లోనే ఉంటుంది కదా అని అనుకునేవాడిని బట్ అన్ఫార్చునేట ...

If you look at a person who is confident, always successful and smiling, happy, what do you think about them. I used to think a lot of things actually how strength comes into your body like you won't burn with strength. You build your strength with fear and life teaches you how to be like this.And before I introduce you, before I introduce myself, I want to talk about a little girl. A little girl who inspires me every day, who encourages me to do better in life. And once upon a time, there was a little girl ...

or businesses or 90% of the startups fail within the first 5 years. That's a very significantly concerning number and that actually says that if you are a survivor that itself is success so I would like to start by saying that success is something that is very subjective and should be very individual. It should be defined by what you would like to do.And having said that I am Ashwin Mochella. I am the co-founder of the thickshake factory. It's a QSR brand that we have started back in 2013.[laughter] Um I an ...

been uh into the human capital management um uh in the area of uh HR uh learning systems digital learning has been my core of interest for about decade and a half now a significant amount of my career went into nurturing the digital university e university handling I've been an EU university certified uh analyst with software organizations and I'm an agent professor in panel with various universities thank you very much for a very nice introduction uh team uh here today I'm uh to address something very inte ...

I have a little secret that I have to share with you. I'm currently running on four hours of sleep. Four four hours of sleep and an irresponsible amount of caffeine because in the next about 12 hours I sit for my SAT examination.Now, Nana, why would you be here and not preparing at home. Because a few days ago, I heard a question answered in a way that made me realize a test score that's the least of our problems. So, let me tell you what happened.Recently, I was at this college counseling seminar and you k ...

My mother and father both worked for approx 35 years. But in two years after their retirement and after my sister's wedding, we exhausted the life savings. We are left with zero money.And I kept wondering how is this possible. Today I'm going to share that reason and also my 20 years of investment learnings in the theme seeds of change and the topic why and how learning to invest early can change the fortune of your life. I was fortunate to have born to a loving, caring and humble parents.My mother used to ...

I always wanted to become a journalist and today I am one. Hello everyone. Namaste.I am Swamia Apay. Well uh there are very few people who are as lucky as me who get to live their dream as their profession and u you know while watching the other speakers I realized that they had such beautiful narratives to give up. uh in my case I think I will just stick to one facet that I abide by as a journalist and that is honesty.I don't have a script but I will just speak my heart out and address a couple of things t ...