Joining FinextraTV at Temenos Community Forum, Muhammad Faisal Anwar, CTO, HBL discussed core modernisation and lessons learned along the journey. When thinking about whether core modernisation was 'just an IT problem, Anwar explained that banks falter when they don't first create a problem statement and what the core journey will solve. Equally, Anwar described the importance of empathy, explaining how employees should be regarded as ambassadors for the business, and how their satisfaction and morale are just as crucial. He went on to advise banks to see customer transactions as 'lifestyles' more than products or services - a house, a car, a holiday.