Topic introduction

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Personal profile

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Muhammad Ashfaq-Ur-Rehman is a visionary leader in fintech and insurtech, with over 27 years of global experience spanning startups, banking, takaful, insurance, and management consulting. As the Founder and CEO of Finmaal, a pioneering financial services venture based in Dubai, he has transformed the company from an idea into a leading force in financial innovation. Under his leadership, Finmaal leverages technology to deliver personalized, accessible solutions while promoting financial inclusion and literacy.
In addition to his entrepreneurial pursuits, Muhammad is a trusted advisor to organizations, providing strategic guidance on performance improvement, market expansion, customer experience, and digital transformation. His expertise has helped businesses navigate challenges, implement turnaround strategies, and achieve sustainable growth.
Throughout his career, Muhammad has held senior leadership roles at institutions such as Standard Chartered Bank, Watania Takaful, FWU Group, and Jubilee Life.
An alumnus of Bayes Business School, Muhammad holds an MBA along with additional qualifications in insurance, Islamic finance, innovation, and entrepreneurship. His academic excellence, combined with hands-on experience, has established him as a respected authority in financial services.
A recognized thought leader, Muhammad regularly shares his insights through influential writings, advisory engagements, and high-profile speaking opportunities, shaping the future of financial services globally.