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In our talk, Sultan lays out the themes of the agency\\u2019s 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 \\u201cengineered.\\u201d He also talks about using technology to build the system\\u2019s resilience, its ability to \\u201ctake a punch.\\u201d He looks, too, at how to \\u201cprotect the future,\\u201d to keep up with trends like digital assets, AI and, as he says, \\u201cbanking on Mars.\\u201d