Armughan Ahmed Kausar is the Head of Konnect at HBL, where he leads the bank’s digital financial services platform, driving innovation in fintech, financial inclusion, and customer-centric banking. Under his leadership, Konnect has become a cornerstone of HBL’s digital strategy, leveraging big data, automation, and embedded finance to serve underserved segments across Pakistan.

Armughan has deep expertise in regulatory compliance, internal audit, and risk management, having served as Chief Compliance Officer and Global Chief Internal Auditor at HBL. His work has been instrumental in aligning digital transformation with governance and regulatory standards.

He previously held senior roles at EY, KPMG, Armughan brings a unique blend of banking, and consulting expertise to HBL’s fintech ambitions.