
Introducing ZM’s Welfare-GDP Framework
The article “Introducing ZM’s Welfare-GDP framework”, authored by Zafar Masud was published in on August 17, 2026 — Discover the
Mr. Zafar Masud regularly contributes to local and international media on topics of banking, economics, energy and management. He is also the author of a publication titled Out of the Box and Out of the Box Volume II“ — a collection of his various newspaper op-eds, and presentations.

The article “Introducing ZM’s Welfare-GDP framework”, authored by Zafar Masud was published in on August 17, 2026 — Discover the

The article “Beyond arithmetic”, authored by Zafar Masud was published in on July 29, 2026 — The fiscal year that

The article “Cheap currency, costly illusion”, authored by Zafar Masud was published in on July 1, 2026 — Our export

The article “Missing middle”, authored by Zafar Masud was published in Dawn on June 12, 2026 — For most of

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