Owais is the Co-founder and CEO of CreditFix, Pakistan’s first Digital Lending Company. CreditFix utilizes Machine Learning and Big Data and combines to enable low-income borrowers to borrow for big-ticket loans for starting or growing business. It is the only digital lending player in emerging market that is doing ticket sizes up to,000 completely digitally. Owais also founded The Hive, Pakistan’s most premium co-working space which is currently in growth mode and expanding across Pakistan. He actively evangelizes open source technology and believes in the power of collaboration through crowdsourcing and social networks. He has delivered lectures across South Asia and the Middle East on electronic payments and commerce, founding and managing startups and financial inclusion. He is passionate about value creation through the use of technology for business and social development.