MUHAMAD IFWAT MOHAMED HANAFI

CHARTERED BANKER INSTITUTE

has completed the examinations prescribed by the Board of Trustees and has been awarded the

This is to certify that

Certificate in Digital & AI Evolution in Banking

133777394

Should you need to verify this certificate, please contact: Chartered Banker Institute, 2nd Floor, 39 George Street, Edinburgh, EH2 2HN Email: info@charteredbanker.com Charitable Body No: SC013927

MUHAMAD IFWAT MOHAMED HANAFI