Our contributor Dr Irene Banda (PhD) is a scholar, an entrepreneur, a strategist and a financial services expert with a passion for transformative solutions toward wealth creation and poverty eduction solutions. She has a corporate background in retail banking and micro finance with international exposure covering Africa, Latin America, Asia and Eastern Europe. Irene is the founder of TUCUZA Associates Limited a start-up for export oriented commercial agricultural business in Zambia, and FINCUZA Institute Limited, a training and consultancy entity.