Nearly half of the world's top executives, including CEOs, are expressing uncertainty about the survival of traditional businesses in the long term. According to the Global Top Executive Survey conducted by PricewaterhouseCoopers (PwC), 45 percent of the 4,702 CEOs from 105 countries and regions believe that their businesses may not last more than a decade without significant restructuring. This sentiment reflects concerns about the rapid advancements in technology and increasing pressure related to climate change. In a press release issued by PwC Bangladesh, the survey results were disclosed, highlighting the apprehensions among global CEOs. Additionally, the survey revealed that 39 percent of CEOs anticipate a growth of 5 percent or more in their company's workforce by 2024. Meanwhile, in a conversation between First Light and Masrur Arefin, Managing Director of The City Bank, the topic shifted to the bank's agent banking activities. Arefin noted that while many banks focus on using agents to bring rural deposits to urban areas, The City Bank prioritizes providing loans to rural communities. The bank has disbursed loans totaling Tk 2,135 crore through its agent banking channel, with a loan balance of Tk 824 crore and deposits of Tk 667 crore. This approach aims to stimulate the rural economy and support the development of rural areas. Arefin emphasized that there is no qualitative difference between loans provided through branches and those provided through agents. Both types of loans undergo thorough assessment and monitoring to maintain a low non-performing loan rate, which stands at only 7.7 percent for loans provided through The City Bank's agent banking channel. Regarding the future of agent banking services, Arefin highlighted the importance of digital services in reaching marginalized populations. While many banks are expanding their sub-branch networks, agent banking remains a crucial channel for financial inclusion, particularly in rural areas. With the government of Bangladesh aiming for universal access to banking services by 2026, both agent banking and traditional branches will play key roles in achieving this goal. Arefin also emphasized that agent banking is evolving as a facet of digital banking, enabling broader reach and accessibility compared to traditional sub-branches. As the banking landscape continues to evolve, agent banking is poised to remain a vital component of financial services, extending banking access to previously underserved communities.