Md. Ariful Mazid is a strategic business development professional and financial services consultant with extensive experience in digital financial services, mobile financial services, and fintech innovation. With a track record of working with international development organizations (UNDP, The Pragma Corporation, DAI Global LLC), IFIC Bank, and fintech firms (bKash), he has expertise in access to finance, digital payments, strategic partnerships, and project implementation. Ariful has successfully led initiatives in MSME financing, agrifintech, PAYGo models, and financial inclusion solutions across multiple markets.