A management and strategy specialist for more than 35 years, Dr. Joe Divanna is one of the most respected experts on financial services in emerging markets. In addition to interventions on traditional banking and banking in emerging markets, Joe is an expert on Islamic banking and nance. He is the founder and managing director of Maris Strategies, a consultancy and think-tank for business and financial services. His cutting- edge, evidence-based global research is used by banks, financial services providers, central banks, government agencies, universities and technology companies worldwide.
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