Stepping out of your comfortable zone, is the words we often hear. Frankly, I would say its easy to talk, however challenging to do, and sometimes it could be dangerous( imaging an astronaut in space leaving his comfortable zone and taking a selfie for us). When it comes to business international expansion, particularly financial services, its all about risk and probability, no risk basically means no profit. We are standing in the end of this decade, where the world is heading? What I can do to achieve higher chance to win in the next decade? Shall we try a proactive approach?