(Mr. Aali Shafi - EVP, Business Head, ‘Transaction Banking Division, MCB Bank Ltd. ‘Ans: In my opinion, the 3 qualities would be: * Strong Network * Dependable Services + Excellent Management To further elaborate on my points, Xpress Money has been ‘our partner for over a decade now, since the year 2003. From the very beginning, it was evident that Xpress Money would become one of the top send agents, in the home remittance business, specifically from GCC to Pakistan. Xpress Money's strong network in 150 countries with 170,000 agent locations, makes it one of the fastest growing ‘money transfer brands. Its dependable service, integrated with the MCB systems via Application Program Interface, has made MCB the preferred bank for home remittance beneficiaries in Pakistan. Lastly, its strong management team, under the able guidance of Mr. Sudhesh Giriyan, makes Xpress Money's future even more promising. ‘Ans: The best thing about Xpress Money is the brand can be Global and Local at the same time. What | mean is, while it brings to the table, all ts global expertise, its regional insights on the market and the industry is phenomenal- a very vital trait in our business. ‘Ans: Additional branding support is what would really help our business. Assistance in building brand MCB worldwide, could prove beneficial for both our businesses. We should plan a few more joint promotions with prizes for our customers, to help increase jons. We could also look at regularly incentivising our | customers who choose and depend on our services, time.