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Eligibility & Evaluation Criteria

The Challenge is open to teams and individuals. Teams can submit solutions for up to 3 themes but are limited to only one entry (area) per theme. Individuals are not allowed to participate in multiple teams. Switching teams after applying is not allowed.

Top teams will be selected for the HBL Innovation Challenge Grand Finale which will be held at the HBL headquarters in Karachi in May 2017. HBL will cover travel and accommodation costs for up to 2 participants from each team for the Grand Final in Karachi.

To participate in the Event, teams must apply through the Challenge webpage at Innovation Challenge before the end of 7th May, 2017.

Each entry must be of the participating teams’ own creation. Participation warrants that the Entry is and will be participant’s own original work and does not and will not infringe the intellectual property or proprietary rights of any third party, including, but not limiting to, any third-party patents, copyrights or trademarks.

Applications will be shortlisted based on the following criteria:

  • Solution
  • User experience
  • Implementation practicality
  • Functionality
  • Innovation
  • Commercial Prospects

Shortlisted applicants will be contacted through the email provided in the applications for invitation to the showcase event.


The applications will be judged by a panel of experts. The judging panel will comprise of members of HBL Management and will be responsible for the assessment, grading and selection of participants for the Event.

Important Dates:

Application Deadline: May 7, 2017
Announcement of Finalists by May 14th, 2017
Grand Finale: May 22nd & 23rd, 2017


Winners of the HBL Innovation Challenge will be offered a chance to test and deploy their solution at HBL using live customer data and leverage the bank's portfolio of products in addition to cash awards for the finalists. After the grand finale, HBL is keen to work with new product ideas and exceptional tech solutions that could disrupt the current financial services landscape as well as provide opportunities such as funding or service provider partnership (terms and conditions apply) .