Muhammad is Senior Manager Product Digitization, in the Innovation and Financial Inclusion department at Habib Bank Limited, Pakistan’s premier bank. At HBL, Muhammad is using technology to provide services that improve the lives of the un-banked masses of Pakistan through branchless banking and the open banking concept by enabling third party developers to build applications and services around the financial institution. Prior to HBL, Muhammad founded Solenergi Private Limited, a startup providing micro-solar solutions to suburban and rural residential communities. Muhammad is a Fulbright scholar, holds an MBA in Entrepreneurship and Advance Studies Certificate in Sustainable Enterprise from Syracuse University.