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Sessions and Networking Finacle Conclave 2023 . #FinacleConclave2024 is live! Muzzafar Wani, Deputy General Manager, IT & BPR, J&K Bank, shared insights into ALM transformation and his journey with Infosys… The banking industry has been balancing disruption and opportunity for several years now, and the pace of change shows no signs of slowing as we move into 2025 and beyond.