Born into a community with deep rural roots, Arif and his family have made the transformation from "base of the pyramid' farmers in India to middle class, high-tech entrepreneurs in US over the course of one generation. This journey has sparked Arif to Co-found EmagineNET Labs -- company that developed an innovative and highly powerful credit scoring system for people who are not part of the financial mainstream. EmagineNET Labs' technologies enable commerce between millions of un-banked/"Base of Pyramid" consumers and thousands of businesses. Arif has a degree in Computer Science with a Minor in Mathematics from Michigan State University and an MBA from University of California at Berkeley and Columbia Business School.