Md Saiful Islam, aka one of the most sophisticated and logical speaker and writer is currently working as the CTO in Bank Asia. Prior to taking his current role in Bank Asia, Mr Islam served in various positions in the banking industry. Before joning Bank Asia as CTO, he worked in UCB, Brac banks information security department as well. In his 21 years of extensive hands on experience in Intelligence collection and technology development, Mr Islam completed many projects for the banking industry of Bangladesh including establishing Tier 3 disaster recovery site of Bank Asia. In the following interview with Fintech magazine, Mr Saiful Islam talks about many topics including transformation and cyber security of banking industry of Bangladesh during the 3rd IR to 4th industrial revolution.