72 Financial Technology jobs in Bengaluru
Software Development Engineer, Selling Partner Financial Technology

Posted 3 days ago
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Are you passionate about working with Amazon-scale systems, solving critical engineering problems, and delivering mission critical solutions? Does the idea of building end-to-end financial solutions that will delight millions of Selling Partners excite you? If yes, then we want to talk with you. Selling Partner Financial Technology (SPFT) is looking for a dynamic engineer to join our financial experiences team, to deliver world-class financial experiences that delights our Selling Partners.
Selling Partners depend on us to provide accurate and transparent financial information to help them manage and grow their business. We are looking for Engineers with a strong sense of ownership and a passion for delivering creative solutions for complex problems on an unprecedented scale. As part of the team, you will be given the chance to have a significant impact on our systems, our business and most importantly, our customers, and build solutions that will achieve our vision of 100% financial accuracy and transparency.
Successful candidates must also be innovative, flexible, self-directed, and able to design and write high-performance, reliable, maintainable code. The ability to function at a very high level in a fast-paced environment along with a team of very talented engineers is essential. If you enjoy working in a dynamic environment to deliver world class mission critical systems, this may be the career opportunity for you!
Key job responsibilities
- Collaborate with experienced cross-disciplinary Amazonians to conceive, design, and bring innovative products and services to market.
- Design and build innovative technologies in a large distributed computing environment and help lead fundamental changes in the industry.
- Build distributed storage, index, and query systems that are scalable, fault-tolerant, low cost, and easy to manage/use.
- Create solutions to run predictions on distributed systems with exposure to innovative technologies at incredible scale and speed.
- Design and code the right solutions starting with broadly defined problems.
- Translate functional requirements into robust, scalable, supportable solutions that work well within the overall system architecture.
- Participate in the full development cycle, end-to-end, from design, implementation, and testing to documentation, delivery and maintenance.
- Produce comprehensive, usable software documentation.
- Evaluate and make decisions around the use of new or existing software products and tools.
- Work in an agile environment to deliver high-quality software.
- Mentor junior development engineers.
Basic Qualifications
- 3+ years of non-internship professional software development experience
- 2+ years of non-internship design or architecture (design patterns, reliability and scaling) of new and existing systems experience
- Experience programming with at least one software programming language
Preferred Qualifications
- 3+ years of full software development life cycle, including coding standards, code reviews, source control management, build processes, testing, and operations experience
- Bachelor's degree in computer science or equivalent
Our inclusive culture empowers Amazonians to deliver the best results for our customers. If you have a disability and need a workplace accommodation or adjustment during the application and hiring process, including support for the interview or onboarding process, please visit for more information. If the country/region you're applying in isn't listed, please contact your Recruiting Partner.
Senior Software Development Engineer, Selling Partner Financial Technology

Posted 3 days ago
Job Viewed
Job Description
Are you passionate about working with Amazon-scale systems, solving critical engineering problems, and delivering mission critical solutions? Does the idea of building end-to-end financial solutions that will delight millions of Selling Partners excite you? If yes, then we want to talk with you. Selling Partner Financial Technology (SPFT) is looking for a dynamic senior engineer to join our financial experiences team to deliver world-class financial experiences that delights our Selling Partners.
Selling Partners depend on us to provide accurate and transparent financial information to help them manage and grow their business. We are looking for a senior engineer with a strong sense of ownership and a passion for delivering creative solutions for complex problems on an unprecedented scale. You will work across multiple teams, and guide strategic architectural changes that will have a significant impact on our systems, our business and most importantly, our customers. You will lead the team in building scalable solutions that will achieve our vision of 100% financial accuracy and transparency.
Successful candidates must also be innovative, flexible, self-directed, and able to design scalable solutions for large scale distributed systems. They must be able to write high-performance, reliable, and maintainable code, while leading and shepherding team coding standards. The ability to function at a very high level in a fast-paced environment, acting as a technical lead for a team of very talented engineers is essential. If you enjoy working in a dynamic environment to deliver world class mission critical systems, this may be the career opportunity for you!
Key job responsibilities
- Collaborate with experienced cross-disciplinary Amazonians to conceive, design, and bring innovative products and services to market.
- Design and build innovative technologies in a large distributed computing environment.
- Build distributed storage, index, and query systems that are scalable, fault-tolerant, low cost, and easy to manage/use.
- Create solutions to run predictions on distributed systems with exposure to innovative technologies at incredible scale and speed.
- Design and code the right solutions starting with broadly defined problems.
- Translate functional requirements into robust, scalable, supportable solutions that work well within the overall system architecture.
- Participate in the full development cycle, end-to-end, from design, implementation, and testing to documentation, delivery and maintenance.
- Produce comprehensive, usable software documentation.
- Evaluate and make decisions around the use of new or existing software products and tools.
- Work in an agile environment to deliver high-quality software.
- Mentor junior development engineers.
Basic Qualifications
- 5+ years of non-internship professional software development experience
- 5+ years of programming with at least one software programming language experience
- 5+ years of leading design or architecture (design patterns, reliability and scaling) of new and existing systems experience
- Experience as a mentor, tech lead or leading an engineering team
Preferred Qualifications
- 5+ years of full software development life cycle, including coding standards, code reviews, source control management, build processes, testing, and operations experience
- Bachelor's degree in computer science or equivalent
Our inclusive culture empowers Amazonians to deliver the best results for our customers. If you have a disability and need a workplace accommodation or adjustment during the application and hiring process, including support for the interview or onboarding process, please visit for more information. If the country/region you're applying in isn't listed, please contact your Recruiting Partner.
Systems Dev Engineer 1, 7750 - Selling Partner Financial Technology
Posted today
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Job Description
Are you interested in building high-performance, globally scalable systems that support Amazon's current and future growth? Are you seeking an environment where you can drive innovation? Does the prospect of working with top engineering talent get you charged up? If so, Amazon Selling Partner Finance Technology (SPFT) is for you
SPFT is looking for a highly motivated Systems Dev Engineer to help build Amazon's business-critical financial systems and build system solutions to operate at scale. You will work on critical finance business functions for our customers around the world while meeting system availability goals and ensuring system performance with growing business needs. You will discover innovative ways to automate and scale our infrastructure as we expand globally. You will work together with multiple teams and departments, with plenty of opportunities to learn and grow.
The ideal candidate has a passion for understanding computing systems and for applying that understanding with an obsession for delighting customers. In this role, you will apply your skills of system design, networking, coding/scripting languages, as well as technical communication and project organization to make your impact on improving our business processes. The candidate is expected to contribute work-critical initiatives, build products, lead engineers to troubleshoot, debug, evaluate, and resolve computer-identified alarms, make feature enhancements, manage systems, perform software deployments and migrations, manage hosts, and automate operational tasks.
They would also be responsible for developing tools and end-to-end automation to achieve human-free operations.
As an engineer in the team, you will take part in the architecture, design, implementation, and deployment of large-scale and complex software systems. You will get to leverage your experience and expertise to deliver innovative solutions to challenging problems. You will communicate your ideas effectively to achieve the right outcome for your team and customer. You enjoy collaborating with others to increase the effectiveness of the overall team. Your code, design, and implementation decisions should set a great example for other engineers. You will also have the opportunity to impact the technical decisions in the broader organization as well as mentor other engineers in the team.
BASIC QUALIFICATIONS- Experience with automating and simplifying team development, test, and operations processes
- Experience programming with at least one modern language such as Python, Ruby, Golang, Java, C++, C#, Rust
- Experience with Linux/Unix
- Experience in networking, storage systems, operating systems and hands-on systems engineering
- Experience with CI/CD pipelines build processes
Our inclusive culture empowers Amazonians to deliver the best results for our customers. If you have a disability and need a workplace accommodation or adjustment during the application and hiring process, including support for the interview or onboarding process, please visit for more information. If the country/region you're applying in isn't listed, please contact your Recruiting Partner.
Systems Dev Engineer 1, 7750 - Selling Partner Financial Technology
Posted today
Job Viewed
Job Description
Description
Are you interested in building high-performance, globally scalable systems that support Amazon's current and future growth? Are you seeking an environment where you can drive innovation? Does the prospect of working with top engineering talent get you charged up? If so, Amazon Selling Partner Finance Technology (SPFT) is for you
SPFT is looking for a highly motivated Systems Dev Engineer to help build Amazon's business-critical financial systems and build system solutions to operate at scale. You will work on critical finance business functions for our customers around the world while meeting system availability goals and ensuring system performance with growing business needs. You will discover innovative ways to automate and scale our infrastructure as we expand globally. You will work together with multiple teams and departments, with plenty of opportunities to learn and grow.
The ideal candidate has a passion for understanding computing systems and for applying that understanding with an obsession for delighting customers. In this role, you will apply your skills of system design, networking, coding/scripting languages, as well as technical communication and project organization to make your impact on improving our business processes. The candidate is expected to contribute work-critical initiatives, build products, lead engineers to troubleshoot, debug, evaluate, and resolve computer-identified alarms, make feature enhancements, manage systems, perform software deployments and migrations, manage hosts, and automate operational tasks.
They would also be responsible for developing tools and end-to-end automation to achieve human-free operations.
As an engineer in the team, you will take part in the architecture, design, implementation, and deployment of large-scale and complex software systems. You will get to leverage your experience and expertise to deliver innovative solutions to challenging problems. You will communicate your ideas effectively to achieve the right outcome for your team and customer. You enjoy collaborating with others to increase the effectiveness of the overall team. Your code, design, and implementation decisions should set a great example for other engineers. You will also have the opportunity to impact the technical decisions in the broader organization as well as mentor other engineers in the team.
Basic Qualifications
- Experience with automating and simplifying team development, test, and operations processes
- Experience programming with at least one modern language such as Python, Ruby, Golang, Java, C++, C#, Rust
- Experience with Linux/Unix
- Experience in networking, storage systems, operating systems and hands-on systems engineering
Preferred Qualifications
- Experience with CI/CD pipelines build processes
Our inclusive culture empowers Amazonians to deliver the best results for our customers. If you have a disability and need a workplace accommodation or adjustment during the application and hiring process, including support for the interview or onboarding process, please visit for more information. If the country/region you're applying in isn't listed, please contact your Recruiting Partner.
Company
- ADCI - Karnataka - A66
Job ID: A
Manager - Financial Services
Posted today
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Job Description
**JOB DESCRIPTION
About KPMG in India**
KPMG entities in India are professional services firm(s). These Indian member firms are affiliated with KPMG International Limited. KPMG was established in India in August 1993. Our professionals leverage the global network of firms, and are conversant with local laws, regulations, markets and competition. KPMG has offices across India in Ahmedabad, Bengaluru, Chandigarh, Chennai, Gurugram, Jaipur, Hyderabad, Jaipur, Kochi, Kolkata, Mumbai, Noida, Pune, Vadodara and Vijayawada.
KPMG entities in India offer services to national and international clients in India across sectors. We strive to provide rapid, performance-based, industry-focused and technology-enabled services, which reflect a shared knowledge of global and local industries and our experience of the Indian business environment.
years of relevant experience in Payments (MT/MX messages, Clearing & Settlement etc.) space as a BA
2) Experience on detailed mapping of the said message types – pain.001, pacs.008, pacs.009, pain.002, MT103, MT202, MT202Cov etc.
3) Experience of working on any Payment Engine such as GPS and international Payment Schemes such as SEPA
4) Good understanding of different types of Clearing and Settlement methods
5) Strong alignment with Agile ways of working
6) Experienced in at least 2-3 Digital project delivery in large banks
7) Core BA Skills – Requirement Gathering/Management/Prioritization, strong in writing User Stories, strong with performing Gap analysis, Strong business acumen (not the IT side)
8) Experienced in working with senior and cross geography stakeholders
9) Strong communication and articulation skills
10) Experience in working on Transformation projects (vs pure IT delivery or Process reengineering) will be preferred
Equal employment opportunity information
KPMG India has a policy of providing equal opportunity for all applicants and employees regardless of their color, caste, religion, age, sex/gender, national origin, citizenship, sexual orientation, gender identity or expression, disability or other legally protected status. KPMG India values diversity and we request you to submit the details below to support us in our endeavor for diversity. Providing the below information is voluntary and refusal to submit such information will not be prejudicial to you.
QUALIFICATIONS
A bachelor's degree in business or related field or an MBA
Financial Services Specialist
Posted today
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Company Description
Cogent Integrated Business Solutions specializes in intelligent automation, data-driven marketing, and seamless digital transformations to supercharge businesses. With a global footprint and clients spanning the USA, Spain, and India, Cogent leverages AI-powered workflows, full-stack IT services, and deep domain expertise in SAP and enterprise consulting. Driven by innovation and a human-first approach, Cogent is committed to ensuring that tech and marketing engines run in harmony for optimal performance and impact.
We are looking for enthusiastic and detail-oriented Accounts Professionals to join our team immediately.
Experience Required:
Freshers or candidates with 1–2 years of experience in accounting.
Key Responsibilities:
Assist with day-to-day accounting activities.
Manage vouchers, invoices, and receipts.
Support in preparing financial reports and statements.
Maintain records of payments and receipts.
Assist in audits and compliance as required.
Desired Skills:
Basic knowledge of accounting principles and practices.
Familiarity with QuickBooks or similar accounting software (preferred).
Strong attention to detail and organizational skills.
Good communication and interpersonal skills.
Location: Bengaluru
Employment Type: Full-time
- Joining: Immediate
Financial Services Analyst
Posted today
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Job Description
Greeting from Infosys BPM Ltd.,
We are hiring experienced candidates from Capital Market / Investment Banking (Forex and Loans) domain for Bangalore- location. Please walk-in for interview on 16th October 2025 at Bangalore Location.
Note: Please carry copy of this email to the venue and make sure you register your application before attending the walk-in.
Please use below link to apply and register your application.
Please mention the generated Candidate ID on the top corner of your Resume ***
Interview details:
Interview Date: 16th October 2025
Interview Time: 10:00 AM till 12:30 PM
Interview Venue: Infosys BPM Limited, #785, Ground Floor Axis Sai Jyoti,15th Cross 100 Feet Road, Sarakki,1st Phase JP Nagar, Bengaluru, Karnataka- , Landmark: Near Sindhoor Convention Centre.
Things to remember while entering the campus:
Keep your double dose vaccination certificate handy while entering campus. There will be random checks at the gate by the Security team
- Documents and things to Carry:
- Carry a printout your updated resume.
- Carry any 2 photo Identity proof (PAN Card/Driving License/Voters ID card/Passport).
- All original education documents needs to be available for verification (10th, 12th, Graduation (Sem Wise Marksheet, CMM. Provisional and Original Degree)
- Candidates to carry mobile charger and ear/headphones to the hiring venue for in-person assessments and evaluations
Please find below Job Description for your reference:
Designation: Process Specialist
Job Level: 3A
Experience: 2-4 years
Qualification: BCOM/BBA/MBA/MCOM
Shift: 24/5
Notice Period - Immediate to 30 days
Work Location: Bangalore (Work from Office)
REQUIRED SKILL SET FOR 3A:
Senior Process Executives/ Process Specialists:
- This role requires ability to perform Qualitative and Quantitative Research and good Analytical skills to interpret and make sense of data/ information in hand
- Understand client query and their requirements
- Perform Root Cause Analysis and drive Process Improvements.
REQUIRED SKILL SET:
Process Specialist - Loans
- Understanding of basic loan terms, including interest rates, repayment schedules, collateral, syndicate agreements, and loan structuring.
- Capable of analyzing Company Filings and Interpreting the right information to update.
- Strong interpersonal skills to build relationships and foster teamwork.
- Strong attention to detail and a proactive attitude toward process improvements.
- Excellent written and verbal communication skills, with the ability to present complex ideas clearly.
- Experience in identifying inefficiencies and implementing changes to enhance productivity and reduce errors.
- Proactively flagging risks and bringing them to management's attention, along with potential mitigation strategies.
- Ability to quickly adapt to changing processes, new systems, and tools to enhance workflow efficiency.
- Provide ongoing support and training to teams on process and new tools.
- Strong hold on SLA and Performance management.
Additional Skillsets for Loans - Loan syndication, Syndicated credit, Loan participation, Joint Loan, Syndicated Lending, Participation loan, Syndicated financing, multi-lender loan, Syndicated Bank lending, Leveraged loan.
Process Specialist - Forex:
- This role requires ability to manage the end-to-end product and the team.
- Understanding of clients expectations and driving team to achieve the common goals.
- Ensure the smooth run of the operations without any deviations on the agreed SLA targets.
- Review performance of own product against agreed SLAs & KPIs, and ensure KPIs are reliable, transparent, and up to date for all task types.
- Participate in performance review meetings/conference with the clients and higher management.
- Oversee the products scope of service delivery, change and process improvement management including digitization efforts, migrations management, implementations of new teams/tasks.
- Monitor, coach, and train subordinates on implementation of goals, policies, and procedures.
- Should have extensive knowledge on data analysis.
- Should be able to prepare scorecard of the team and have knowledge on the rating system.
- Should be able to understand workflows and client applications to manage the work allocation.
- To be able to come up with solutions to manage the work efficiently.
- To be able to work on the presentations and to actively present the data during the client calls and higher management meetings.
- Monitor the teams schedule adherence.
- Excellent comprehension and articulation skills.
- Ensure that the Daily/Weekly/Monthly reports are delivered.
- First point of contact on subject matter questions.
- Conducting One on One meetings with the team members.
- Performance Review discussion.
Additional Skillsets for Forex - Treasury Operations, International Banking, trade Finance, treasury bills, Investment Banking settlements, Risk management Background from ETD (Indexing, Settlement, Confirmations).
KEY RESPONSIBILITIES / DUTIES :
- Gain understanding of core processes to better comprehend/identify potential process efficiencies
- Work as part of a team, ensuring SLAs (Service Level Agreement) is met and maintained, and escalating issues to Managers.
- Weekly connect with the client to discuss on the overall performance.
- Ability to document the procedures, develop training plans and other business process relevant documentation
- Should be able to provide training to the new joiners
- Should act as a QC analyst when needed
- Contribute to overall team progress via huddles/ ideas / initiatives / training and development.
- Plan and organizes own work and keeps the Managers informed of status and activities
- Ensure that the Daily/Weekly/Monthly reports are delivered.
- First point of contact on subject matter questions.
- Conducting One on One meeting with the team members.
- Performance Review discussion.
- Provides training/ guidance to new members in the Team and assist the Managers in executing the Development Plans of the new members;
may perform some tasks when required.
To qualify for the role, you must have:
- Bachelor-s Degree (Finance or Accounting preferred) and demonstrated, proven experience in Financial Services Operations or similar role.
- Ideal candidate should have up to 2-4 years of experience Investment Management Operations.
Pointers to note:
Please do not carry laptops/cameras to the venue as these will not be allowed due to security restrictions. Original Government ID card is must for Security Clearance.
Regards,
Infosys BPM Recruitment team
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Manager - Analytics (Financial services)
Posted today
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- Be responsible for business development efforts - response to RFXs and presales support Collaborate with different teams for RFPs and provide AI-driven solutions
- Develop thought leadership Point of Views, demos, use cases, collaterals to support Design end to end artificial intelligent solutions
- Hands-on experience with any of the analytical tools (R, Python, Tableau, PowerBI etc.)
- Strong experience in Banking and Financial services domain
- Experience with database systems (e.g. SQL, NoSQL) and data modeling
- Good understanding of data engineering principles and technologies (e.g. ETL, data pipelines, data warehousing).
Contact Person - Ramya V
Email -
Category Manager, Financial Services
Posted today
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Job ID: 39951
Location: Bangalore, IN
Area of interest: Business Support, Management & Efficiency
Job type: Regular Employee
Work style: Office Working
Opening date: 18 Sept 2025
Job Summary
Join our dynamic Financial Services Supply Chain Management (SCM) team as we focus on optimizing Brokerage, Clearing, and Exchange (BCE) fees. This exciting opportunity involves leveraging your subject matter expertise to drive thought leadership and identify optimization opportunities, from initial identification through to execution. You will also play a pivotal role in enhancing our business Management Information systems to improve transparency.
As part of the Financial Services team, you will collaborate closely with the Global Category Lead to achieve Fit For Growth (FFG) savings targets by the end of 2026. A key aspect of this role will be embedding the Financial Services operating model to ensure sustained operational efficiency and cost discipline of BCE fees beyond the FFG timeframe.
If you are passionate about financial services and have a proven track record in BCE fee optimization, we invite you to apply and contribute to our mission of achieving long-term cost efficiency and operational excellence.
Key Responsibilities
Strategy
- Collaborate with the Financial Services Category lead to develop, implement, and execute the strategy for management of the banks BCE vendors.
- Building out the new Financial Services capability developing target operating model and the ways of working/governance forums that will be required to effectively manage spend and stakeholders.
- Execution of the banks FFG expense reduction targets by end of 2026
- Identifying optimisation opportunities & working with trading, sales & clients to execute.
- Develop Sales and Trading Management Information to provide trading & sales the analytics to understand the key BC&E drivers, associated costs & potential optimisation opportunities.
Business
- Develop strong business relationships across all stakeholders to aid the successful implementation.
- Work with the Operations and Finance teams to define the strategic states to support best in class processing and Management Information generation.
Processes
- The day-to-day requires excellent data management skills, the ability to maintain/automate processes.
- The ability to drill down into detail and prepare clear memos to Senior Stakeholders.
- Excellent analytical or problem-solving skills.
- Partner with Outsourced providers to deliver best in class operations.
People & Talent
- Build relationships across business/functions to deliver the programme outcomes.
- Role model the Bank's Valued Behaviours always
Risk Management
- Proven ability to identify and implement mitigating controls in the BCE.
Governance
- Engage and build strong relationships with key internal stakeholders, including IT, finance, risk, compliance, and senior management, to ensure alignment of the transformation with the bank's broader objectives and regulatory frameworks.
Regulatory & Business Conduct
- Display exemplary conduct and live by the Group's Values and Code of Conduct
- Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key stakeholders
- Global Category Lead, SCM
- Global Sales and Trading
- Global CIB COO organization
- CIB Market Infrastructure Function
- Finance and Operations Divisions
- External vendors
Skills and Experience
- Problem Solving
- Business Analytics
- Industry Knowledge
- Cross-Functional Collaboration
- System & Technology Integration
Qualifications
Education
- Bachelor's or Master's degree, in Business Administration, Engineering, Finance, or other relevant field.
Experience
- A minimum of 5 years of experience in Financial Services or procurement related field.
- Experience of negotiating commercial agreements
- Understanding of Investment Banking products, market infrastructure, trading environment and trade lifecycle & front-to-back flows.
- Producing business requirements specifications and performing complex analytics
- Scripting (SQL/ Python)
- Data analytic tools such as Tableau, Power BI etc.
- Self-motivator with proven track record of demonstrating ownership and ability to prioritise work under pressure
About Standard Chartered
We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.
Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.
Together we:
- Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
- Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
- Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
What we offer
In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
- Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
- Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
- Flexible working options based around home and office locations, with flexible working patterns.
- Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
- A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
- Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.