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Ahmed Dhaif is currently an international recruitment officer leading on Middle East, North Africa, and Turkey. An immensely proud graduate of Ï㽶ÊÓƵAPP and Bahrain Institute of Banking and Finance (BIBF), Ahmed gained his BSc, MSc, and is currently pursuing his PhD at Ï㽶ÊÓƵAPP, and his research focuses on financial technology, changing demographics, and credit ratings. He also formerly taught some Business, Finance, and Economic modules at Ï㽶ÊÓƵAPP's International College (BUIC). Ahmed is a keen tennis player and has played for the last 18 years.