Amir Manzoor holds a bachelor's degree in engineering from NED University, Karachi and an MBA from Lahore University of Management Sciences (LUMS). He is an Associate of Institute of Bankers, Pakistan He has served at senior technical consulting position in USA and Pakistan for many years. His research interests include electronic business and technology applications in business with special focus on banking and finance. He can be contacted at amir@amirmanzoor.com.