In our talk, Sultan lays out the themes of the agency’s innovation work and says that the most urgent one is financial inclusion. He says the evolution of the banking system has lagged the evolution of the population, and talks about how it needs to be “engineered.” He also talks about using technology to build the system’s resilience, its ability to “take a punch.” He looks, too, at how to “protect the future,” to keep up with trends like digital assets, AI and, as he says, “banking on Mars.”