The Associate International Retail Banker is run by the Egyptian Banking Institute in partnership with RBI and is designed for people who manage and lead change in the bank. This programme is designed for busy professionals, and is delivered over ten day-long in-class training sessions with our experienced local trainers. There is a short exam with each tutorial for continuous assessment. While technology always drives change in retail banking, it’s only those banks that change their culture that will survive. Evolution is adaptation. Most retail banks spend 80 per cent of the budget ‘running the bank’, leaving 20 per cent or less to ‘change the bank/build the bank’, which is the critical business of bank transformation. This programme will help to train the professionals charged with doing this work. We show how to develop a ‘fintech in the bank’, and to turn your customer data into gold dust to enable deployment of AI, data, and analytics to better serve your customers. We have developed this programme over many years with insights gleaned from our global councils and experienced retail banking leaders. This programme can be taken over the course of three months, spending a few hours per week to cover reading, study, tutorials, and exams. Alongside the written material, there is a weekly one-hour video tutorial.