S M Ishtiaque has helped redefine how customers experience banking at BRAC Bank. Playing a key role in introducing the industry's first end-to-end Digital Loan and Digital Credit Card with integrated digital signatures, he transformed what was once a paper-intensive process into a seamless digital journey. Today, as Head of Risk Analytics and AI Lab, he is leading the bank's next chapter of innovation through artificial intelligence, advanced analytics and credit scoring models. By combining technology with data-driven insights, he is helping BRAC Bank make smarter decisions, enhance customer experiences and shape the future of digital banking in Bangladesh.
