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Why Regulations Are Made Anti-Consumers In Pakistan? Ft. Ammar Habib Khan | 142 | TBT | 

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In conversation with Ammar Habib Khan, this episode discusses his journey. As Chief Risk Officer, What does he do? How did he get into risk management? From where he did his masters? Why do individuals become illegal immigrants? Why have travel vivas become such a horrible experience? Was he working while studying in Europe for his masters? What are the characteristics of Coal of Thar, Pakistan? Is solar cheap or coal? What is the work of Karandaaz ? Why regulations are made anti-consumers in Pakistan and much more.
#thoughtbehindthings #muzamilhasan #onlinebanking
00:00 Tonight’s guest: Ammar Habib Khan
00:03 As Chief Risk Officer, What does he do?
02:37 How did he got into risk management?
06:28 From where he did his masters?
09:25 Why do individuals become illegal immigrants?
16:26 Why have travel vivas become such a horrible experience?
19:48 Was he working while studying in Europe for his masters?
20:06 What are the characteristics of Coal of Thar, Pakistan?
21:44 Is solar cheap or coal?
28:24 What is the work of Karandaaz ?
34:01 Why regulations are made anti-consumers in Pakistan?
42:31 What makes Raast so efficient?
51:00 Why has Digital Addoptation has become so difficult in Pakistan?
58:37 Why haven't the new companies been able to adopt QR codes?
1:12:14 How does he envision Pakistan in 2050?
Do not forget to subscribe and press the bell icon to catch on to some amazing conversations coming your way!
Connect with us:
• / thoughtbehindthings
• / muzamilhasan
Ammar's LinkedIn: / ammarhabib
Support our podcast:
anchor.fm/syed-muzamil-hasan-...
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• Spotify: spoti.fi/3z1cE7F
• Google Podcast: bit.ly/2S84VEd
• Apple Podcast: apple.co/3cgIkfI

Опубликовано:

 

29 июн 2024

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Комментарии : 125   
@osamaali786
@osamaali786 2 года назад
One of the outstanding podcasts I have listened to, in recent times. This guy nailed all the issues that a normal middle class Pakistani is facing nowadays. I loved every second of it. Ammar Habib Khan you rock dude.
@usmanazam4662
@usmanazam4662 2 года назад
💯
@hadiqafatima3178
@hadiqafatima3178 2 года назад
For the first time I have seen muzammil bhai acknowledging it loud about the financial market troubles 😅 I used to wonder how you can always see the positive side of govt. policies and I admire your rationale optimism. Hope the financial institutios get well with time
@ammarnizamani1585
@ammarnizamani1585 2 года назад
True Karachite talking😂Really knowledgeable Podcast.
@tbag938
@tbag938 2 года назад
Currently taking Financial Risk Management from him at IBA. A gem of an instructor!
@hassanbinzafar5936
@hassanbinzafar5936 2 года назад
Alumni, a teacher of mine! So proud of him for talking about the core problems of Pakistan! The podcast is so simply explained that even someone who has no knowledge of finance or banking regulations can still understand what is happening around us!
@abdullahbhatti4234
@abdullahbhatti4234 2 года назад
This man motivated me to pursue economics 🙂
@hanzallah9299
@hanzallah9299 2 года назад
go for it! i am also starting accounting and finance this month InshAllah
@copelandhd722
@copelandhd722 2 года назад
Great to have him as a Lecturer at IBA Karachi! What an intellectual.
@shaheeradil9567
@shaheeradil9567 2 года назад
Did he teach a course at iba?
@anasmasood903
@anasmasood903 2 года назад
@@shaheeradil9567 yes hes my financial modeling professor currently at iba.
@WHO-ARE-WE1
@WHO-ARE-WE1 2 года назад
I saw many podcasts until now and this is the first person which feels who's telling the truth That this is what actually happens
@abhishekgupta-zs5zd
@abhishekgupta-zs5zd Год назад
Ammar, one the most sharp and clear thinking minds ever comes across on a podcast.
@adilali5334
@adilali5334 2 года назад
I would say Ammar Habib Khan has very good knowledge, very informative podcast.
@BilalAhmad-ls6pd
@BilalAhmad-ls6pd 2 года назад
Muzamal bhai aap yeh jo fintech, IT, aur think tanks on different aspects of life pe logon ko bulate hain yeh buhat acha karte hain.
@the_terrific_m
@the_terrific_m 2 года назад
Great to hear Ammar Bhai in the podcast! Certainly one of my fav sessions of TBT! Felt a need of the hour to pursue economics. :D
@adilali5334
@adilali5334 2 года назад
Kindly invite Usman Gul Co-Founder & CEO of Airlift technologies.
@TheSaboorAnsari
@TheSaboorAnsari 2 года назад
Ammar bhai explained everything the stakeholders, government and private sector are lacking ATM but in a very interesting and blunt way for a common Pakistani to understand. Wish my professors explained like him. ❤️
@habibi420420
@habibi420420 Год назад
plz bring him again...... he has so much to offer :)
@techlegram6367
@techlegram6367 2 года назад
the question to Ammar: what is his views about present SBP governer ?
@imcuteasduc
@imcuteasduc 2 года назад
Pakistan needs a digital revolution. When demonetization happened here ( in India.. More than 90℅ of the currency was declared ineffective overnight.. Literally nobody knew about this before hand) People moved to Digital payment so quickly after this.. But yeah, demonetization was one of the major blunders of the modi government in the sense that economy took a huge loss. But yeah, majority people go cashless imo these days ( from thele pe pani puri bechne vala se ek acchi dukan vala)
@SuperEvo1990
@SuperEvo1990 2 года назад
Please bring ammar again this time on mechanics of pakistan finances you guys were 70% focused on paymets. it was good to hear about IPP and how taxed works, We can do hot money inflows for noobs and other econ stuff.
@khawaralam370
@khawaralam370 2 года назад
One of the most brilliant podcast.. muzammil i am changing pov for you from know
@MK-yg7zf
@MK-yg7zf 2 года назад
Ammar is a rockstar I love his work. Would love to watch him again.
@qazihassamuddin7731
@qazihassamuddin7731 2 года назад
this is truly amazing podcast and very very well articulated. Following Ammar for quite long time and he has exceptional acumen. all the things he highlighted are very spot on. the bank he kept referring is HBL .... check his twitter he has thread on HBL. !!
@sfd744
@sfd744 2 года назад
One of the best ones yet
@alwaysfree4344
@alwaysfree4344 2 года назад
Dubara dekhne ka dil h. Outstanding conversation.
@laibaa12
@laibaa12 Год назад
Too good!!!
@TalhaAhmedChannel
@TalhaAhmedChannel 2 года назад
Outstanding!!
@hammadjamil509
@hammadjamil509 2 года назад
One of the most well articulated discussion I have seen totally a fanboy of Ammar bhai I am in awe of this well timed critical discussion.
@humaira917
@humaira917 2 года назад
Loved this episode. Really good.
@comefly101
@comefly101 2 года назад
One of the Best Podcast 💯✨ #tbt
@reyanahtesham1272
@reyanahtesham1272 2 года назад
such a nice guest, do invite him again
@hiramajid8787
@hiramajid8787 2 года назад
5.54 was the biggest news in banking in Pakistan. Hbl was practically kicked out of USA.
@rnw7929
@rnw7929 2 года назад
Excellent analysis by the guest. Wow
@binteyousuf1701
@binteyousuf1701 2 года назад
You never discussed his food reviews. I was here for food discussion. Enjoyed the podcast though. His blunt take on things was good to hear.
@EIF1041
@EIF1041 2 года назад
Wonderful thoughts. Invite him again
@mshahban20
@mshahban20 2 года назад
Improvements in every new podcast ❤
@muddi900
@muddi900 2 года назад
Ammar Khan is a fantastic guest on every podcast. His appearances on Pakistonomy are great. I'd say he's one of the best commentators on Power and Power policy in Pakistan.
@naveedhussain2930
@naveedhussain2930 2 года назад
One again very educated podcast. Great Job!
@alijunaid4435
@alijunaid4435 2 года назад
Pointed the bitter ground realities which never reflect our policies 💯 Keep going man 🔥
@naveedafzal4584
@naveedafzal4584 2 года назад
Dear muzamil You are doing great job I have a request if you can conduct a show and a call a person from government and ask him why our roads are unchecked? In every country governments collect huge amount from issuing parking tickets and driving licence. In Pakistan getting driving license is a mess. No proper institution to teach driving and no proper parkings are on roads. Please do this show this can save important lives lost and huge collection of taxes and also would made us look little decent.
@MuhammadUsman-nx1ir
@MuhammadUsman-nx1ir 2 года назад
Ammar is great guy, really enjoy his threads on twitter, i believe he should be invited again to talk solely about growth and Raast.
@dynamicsheikh6340
@dynamicsheikh6340 2 года назад
❤️❤️❤️❤️❤️ Please dubara bulaiyegaa sir ko 😍😍😍😍😍😍😍😍😍
@mohsinfarooq9601
@mohsinfarooq9601 2 года назад
Ammar Habib Khan what a conversation sir really inspiring :)
@faiqqazi1729
@faiqqazi1729 2 года назад
Very valuable podcast
@omersultan9507
@omersultan9507 2 года назад
You can do all transfers/payments in Australia with a beneficery Mobile number. The user interface and facilities that other countries provide and un imaginable. i would have gone to the bank only 2 or 3 times in the last 8 years.
@adilali5334
@adilali5334 2 года назад
Kindly invite Saif Ali again & do a full session on "Dastgyr".
@maverick8056
@maverick8056 2 года назад
Brilliant
@0xfaizan
@0xfaizan 2 года назад
Love the podcast Pure desi talk without any English Talk on facts not on ideas
@mbs0710
@mbs0710 2 года назад
Impressive personality, tru gentleman
@uzairarif8376
@uzairarif8376 2 года назад
Great person and a great teacher. Love his classes. So chill and interactive!
@adilali5334
@adilali5334 2 года назад
I am eagerly waiting for your channel to get 100K subscribers. Slowly & steadily it's growing.
@mab1
@mab1 2 года назад
91.2K
@asadfarooq1203
@asadfarooq1203 2 года назад
excellent
@zaf7794
@zaf7794 2 года назад
THEEK HAI !
@Donthaveanyname
@Donthaveanyname 2 года назад
Really good yar Or iny dubara zaror bolain as a business student mera knowledge boost mood pr chala gya hai ye podcast soon kr
@hiramajid8787
@hiramajid8787 2 года назад
1.11.30 very true. They just literally translate from English to salees urdu
@mohammadadilsandhu22
@mohammadadilsandhu22 2 года назад
Brilliant shah ji 🌸❤️
@faizanalvi3932
@faizanalvi3932 2 года назад
i didnt know muzamil has done a podcast with this guy hes purely a genius i discovered him thru twitter and frequently follow his well thought out takes on the economy+ social issues in an ideal world hed be our finance minister hes a working joe with a very indepth knowledge of problems facing the common pakistanis his whole take on financial inclusion has only given me confidence that im not the crazy one among my social circle that talks of financial inclusion an anecdote to the whole conversation about opening a bank account, i have an account in santanders in the UK it took me less than 5 mins to open it up all i needed was my passport thats it went in the lady verified if its me said ok youll get a letter in the mail with your card and your details heres the app your login will be in the lettter you receive i received the letter first thing next morning and since then have never had to make any conversation with Santanders about '' Link down hay''
@BilalAhmad-ls6pd
@BilalAhmad-ls6pd 2 года назад
Invite him for discussion on personal/family planning, regional, and country level financial planning.
@iznmodder
@iznmodder 2 года назад
I relate to this so much. I am absolutely tired of the bank service here.
@aribashahid4907
@aribashahid4907 2 года назад
I am an Ammar stan! He can ELI5 everything
@usmanazam4662
@usmanazam4662 2 года назад
Ma Sha Allah Sawaad a gya jnb ❤️ 🔥💯
@toobamazhar4311
@toobamazhar4311 2 года назад
muzammil please do a talk on evm please. its pros and cons.
@MK-yg7zf
@MK-yg7zf 2 года назад
44:19 He is talking about HBL. Their customer service is also stellar they made me wait 30 mins on call for 350 Rs.
@shawn7258
@shawn7258 2 года назад
@ammarHabibKhan u should create your own youtube channel on economics and financial education how middle class people can earn money
@abdulwahabaslam2172
@abdulwahabaslam2172 2 года назад
question asked at 1:07:00 my answer is sadapay
@alkaagarwal9998
@alkaagarwal9998 2 года назад
What a cutie ammar
@meta_ai
@meta_ai 2 года назад
Thank you Sir for informing me about these stupid banks and giving me a tool to deal with these idiots.
@AA-ew8sq
@AA-ew8sq 2 года назад
36:16 they don’t let women open a bank account without a source of income, & most of the women don’t work here, hence they have joint accounts. I went to Meezan bank in 2019 to open my bank account, wasn’t employed at that moment, so they opened my joint account with my father 🤦🏻‍♀️
@jawwadiqbalgaba6102
@jawwadiqbalgaba6102 2 года назад
hhahaha thats was nice, "pathar pakho, kisi embassy pe ja ka laga ga"
@cricingo
@cricingo 2 года назад
Want him again please
@ahsantariqmajeed2470
@ahsantariqmajeed2470 2 года назад
Call Syed Muzammil on show
@DJ-vh9ib
@DJ-vh9ib Год назад
Boi is a genius 👌
@oasisjan1
@oasisjan1 2 года назад
he is so right about patari i wanted to pay them but their app just won't accept it, decided to get Spotify.
@NaeemAwan36
@NaeemAwan36 2 года назад
yesterday @abl bank talagang takes 2.5 hour to open an salary account issue was server down
@dr.zainhamdani5809
@dr.zainhamdani5809 2 года назад
Word "essentially" is a تکیہ کلام of Muzamil Hassan sahb 😁
@mab1
@mab1 2 года назад
right right right
@adilali5334
@adilali5334 2 года назад
Kindly invite Shoaib Makani Co-Founder & CEO of KeepTruckin.
@zaf7794
@zaf7794 2 года назад
Muzamil i think SADA PAY. Is UAE based that could be the reason you have a different vibe from it.
@BilalAhmad-ls6pd
@BilalAhmad-ls6pd 2 года назад
Invite him again.
@adilali5334
@adilali5334 2 года назад
Kindly invite Shahveer Jafry, Junaid Akram & Waqar Zaka.
@KashifKhursheed-ng1vk
@KashifKhursheed-ng1vk 8 месяцев назад
Sir, but what are you talking about. In Pakistan we have SOP. You have to follow SOP!
@gamingtime3973
@gamingtime3973 2 года назад
Seen a couple of videos by Muzammil clicked right away, election video then on this channel a plane spotting one and two sisters video all truly inspirational but this one drained my mind. Mostly pointed out issues about the system. Maybe Hosted could have been done better.
@moizkhalid2714
@moizkhalid2714 2 года назад
waiting for Sadapay
@samar19925
@samar19925 2 года назад
Banking is truly a nightmare in Pakistan :/ I literally do bank transfers even international funds transfers under one minute in Germany though Germany is major paper based bureaucracy. Nobody can ask you for your Shanakhti Card here. As a cash driven economy Pak have now booming fintech industry still we are lagging one major player can change his We need paypal in Pak.
@adilali5334
@adilali5334 2 года назад
Kindly invite Saad Jangda Co-Founder of Bazaar Technologies.
@Me-cf5yp
@Me-cf5yp 2 года назад
Bhai bs krdey😂
@umayr2935
@umayr2935 2 года назад
4:55 i don't that HSBC wanted to stay away from terror and black money financing, theres an episode on them in "Dirty Money" on Netflix, they themselves involved in black money and terror financing, and when they were caught, they started backing off
@ArsalanArsa
@ArsalanArsa 2 года назад
I live in Germany and i hagw 4 apps on my phone and i've never been in my bank in last 1 to 2 years
@khadijaahmed673
@khadijaahmed673 2 года назад
invite Muhammad moiz aka shumaila bhatti
@usamatufail2396
@usamatufail2396 Год назад
Nice to see your video, as always I get to learn something, but I want to add one thing that you talked about tax, I saw that you can spent three to four thousand rupees in Pakistan, and your tax number is issued and can be done because one of my friends applied for a visa to Spain, he issued a tax number for just three thousand and secondly I want to add another thing here I am living in UK for some time now and I saw lots of things that done by our community in foreign countries to which we do not get visas and we are humiliated, it is not the fault of our country's government, we people have a lot of lack of awareness, if anyone feels bad, sorry for that .
@yjkbuddy
@yjkbuddy 2 года назад
Guys i am frm india but listening 2 this potcast i feel pakistan is far behind in digital payments...in india all cities and towns have QR codes for shopping..
@awnmuhammad4508
@awnmuhammad4508 2 года назад
In Pakistan also every bank and wallet app gives qr service ... They are just exaggerating alot
@yjkbuddy
@yjkbuddy 2 года назад
@@awnmuhammad4508 oh okk fine..but while listening to them i tght u guys still dnt have ..sorry abt tht..
@yjkbuddy
@yjkbuddy 2 года назад
@@awnmuhammad4508 u have gpay just asking
@awnmuhammad4508
@awnmuhammad4508 2 года назад
@@yjkbuddy no
@awnmuhammad4508
@awnmuhammad4508 2 года назад
@@yjkbuddy here mostly easypaisa is used like paytm in india
@shahzadtareen602
@shahzadtareen602 Год назад
You guys talk about QR code payment, please keep in mind that Karachi is the part of Pakistan and if you took your mobile out to scan the QR in open then it's gone for sure 😂
@Hamza-dw4iw
@Hamza-dw4iw 2 года назад
Sunny Ali is in Pakistan. Plz invite him.
@geeksatish8010
@geeksatish8010 2 года назад
India me credit card ko phone kar kar ke dete hai nahi chahiye to lene ke liye minnate karate hai phone kar kar ke pareshan karate hai
@adilashraf7527
@adilashraf7527 2 года назад
You sure this is not Mobeen Gabol ?
@ssah7594
@ssah7594 2 года назад
Ecommerce delivery can make mistakes but the thing is they should have good return/refund/exchange process.
@KASHIFRASHEEDYT
@KASHIFRASHEEDYT 2 года назад
Please invite tania aidrus 1x
@aaashiq9265
@aaashiq9265 2 года назад
Mixed with facts and emotions. Some of your allegations are just your emotions, sir.
@moizkhalid2714
@moizkhalid2714 2 года назад
bring Nadra official
@laraibabdullah2192
@laraibabdullah2192 2 года назад
Bro why don't you call Tauha Ibn Jalil.He is also from isb
@MuhammadUmar-px6ij
@MuhammadUmar-px6ij 2 года назад
pai tenu Allah da wasta ee Dr. Zeeshan ul Hassan Usmani ko bula lo ik warrrrriiii
@geeksatish8010
@geeksatish8010 2 года назад
Meri bivi ko phone karake free me credit card diya one year ka maintenance charge free
@ssah7594
@ssah7594 2 года назад
Risk Management ka course hota hai FRM.
@awnmuhammad4508
@awnmuhammad4508 2 года назад
Every fintech app gives qr code service... Tum ne kis chanknay se research ki hai
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