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Bahrain, like many other Gulf States has historically relied on oil as its primary source of income. However, with Bahrain's oil reserves forecasted to run dry within the next 10 to 15 years, the Bahraini government identified its need to diversify its economy and reduce its dependence on oil. Bahrain's economy is the most diversified amongst all regional Gulf countries. Non-oil sectors contribute to 79.2% of total GDP, which amounted to 29 billion U.S. dollars in 2013. The financial and banking sector is one of the most important non-oil sectors. Today, the services sector, particularly finance and tourism, have been key drivers for Bahrain's economy - and an important facet in its economic diversification. Bahrain's service sector encompasses Islamic and offshore banking, insurance and tourism. In the future, Bahrain's service sector is expected to pilot Bahrain's economic growth. In 2020, the finance sector contributed to nearly 27 percent of GDP and 40 percent of Bahrain's total economic growth. Today, Bahrain competes with Malaysia to be the Islamic banking hub for banks, financial institutions, and financial services.

Write down a report on the "Services Sector in Bahrain: challenges & solutions" that clarifies the past, the present, and future outlook of this sector as a substantial national economy contributor.