PAN AFRICAN Building Society (PABS) — a deposit-taking, non-banking financial institution in Zambia specialising in retail and corporate operations — has dramatically streamlined its operations, reducing its retail footprint and reinvesting in digital solutions to empower customers. PABS aims to bring transactional banking services to populations that are often financially excluded. Technology is a key component of PABS’ financial strategy, facilitating customer access through a cost-effective digital platform and omni channel banking model. Zambia’s growing population of smart phone users will appreciate PABS’ mobile banking app, but it’s also looking to roll out a USSD service at designated feature phones throughout the country to provide an aggregated service of transactional banking to previously inaccessible communities. PABS’ simple but effective corporate financing solutions, and its tech-backed ethos of financial inclusion, tipped the scales for the BV judging panel. The panel is delighted to name Pan African Building Society as winner of the 2018 Best Corporate Financial Strategies (Zambia) award.