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Dr. Kharsim Yousef is the Managing Director and Global Head of Digital Experience and Innovation at Standard Chartered Bank, where they define next-generation digital experiences for wealth, retail, and SME banking. With a rich background in digital transformation and innovation, Dr. Yousef has previously held roles as Executive Director and Director at Standard Chartered Bank, demonstrating a proven track record in enhancing customer experiences. They have also worked as a researcher at prestigious institutions like Cambridge University and Microsoft Research, earning multiple commercial patents and industry accolades throughout their career. Dr. Yousef holds a PhD in Human-Computer Interaction and has authored numerous publications in their field.