
Five Million SMEs 2pc Banked — A Critical Paradox
In this article “Five Million SMEs 2pc Banked”, published in Dawn, the author Zafar Masud explores how despite generating 40%
This page showcases the diverse body of work by Mr. Zafar Masud, encompassing his insightful articles featured in prominent local newspapers, his compelling books “Seat 1C” and “Out of the Box,” and his significant contributions and ideas pertaining to financial policy. Explore his publications to gain a deeper understanding of his perspectives and expertise across various domains.

In this article “Five Million SMEs 2pc Banked”, published in Dawn, the author Zafar Masud explores how despite generating 40%

In this article “Pakistan Banking Industry”, the author Mr. Zafar Masud explains how privatization, Islamic banking and the transformative Raast

Leaking fountainhead, dry pond—An honest picture of one of Pakistan’s deepest puzzles: why our banks, awash with deposits, struggle to

Article by Zafar Masud in Dawn “Vietnam Moment?”, published on April 30, 2026

Pakistan’s Economic Opportunity in a Fragmenting World, an article authored by Zafar Masud published in Business Recorder on April 11,

In his Dawn article published on March 25, 2026, Zafar Masud examines the structural barriers and 10-million-unit shortfall currently hindering