As the availability of Saudi Arabia ’ s cloud infrastructure continues to develop , BSF is poised to take a prominent position in the country ’ s new banking industry . Calling the organisation a “ universal bank ” that attends to SMEs , large corporations , retail , private and underbanked individuals with equal drive and determination , Cunningham remains highly positive about the BSF brand ’ s future growth potential . “ Culture and talent represent 80 % of the digital iceberg ,” he concludes . “ BSF believes in finding people that think and work differently in order to create a culture that sets up the business for success . No one should settle for ‘ second best ’ in talent ; I ' m a big believer that the best talent attracts the best talent , period .”