Please join us for the last Change Seminar of the quarter on Tuesday 3/6/2018 in *EEB 003*. *Who*: Lubna Razaq, Director of the ITU FinTech Center *What*: *Digital Financial Services Research in Pakistan: Information Technology University's FinTech Center, Academia, and Industry* *When: *Tuesday, March 6th, 12-1 PM *Where*: EEB 003 *Abstract:* Pakistan has one of the lowest financial inclusion ratios in the world. Mobile Financial Services have been around for some time but their uptake has been very low in Pakistan. Gaps exist in almost all verticals of financial services, with some segments of the population more excluded than others. This requires special attention. The ITU FinTech Center conducts research to create solutions for problems that hinder scaling and adoption of Digital Financial Services in Pakistan. The FinTech Center's Director, Lubna Razaq, will be talking about the financial services landscape in Pakistan, the DFS research being carried out at the FinTech Center in collaboration with DFSRG at UW, learnings from conducting research in the regulated financial space, and working with the industry on research and development. *Profile:* Lubna is the Director of the FinTech Center at Information Technology University in Lahore, Pakistan. She is a financial technology professional with experience in product development, business development, and consulting. Before taking her position at ITU, Lubna was part of FinSurgents, a Singapore-based FinTech consulting firm, where she led in-depth studies into the FinTech ecosystem of Pakistan in comparison with global hubs. This work produced a ‘Roadmap for FinTech ecosystem development in Pakistan’ and a ‘Framework for Karandaaz Pakistan’ to invest into FinTech startups. She acted as adviser to the local regulator on FinTech regulations around the world. Prior to joining FinSurgents, Lubna worked for Vopium, based in Denmark, on all facets of IR value chain- cash-in, cash out, European payment regulations, international transfers, digital KYC and AML for online channels. The main focus of her work on IR has been on EU to Pakistan corridors.