I hold an MBA and a doctorate in Applied Econometrics/Statistics. Prior experiences from VIRCO Corporation and Spalding Statistical Services. Current research interest is on asymmetric relationships in banking, finance , international business and economics. Current research tools are Economic and Financial Times Series, Cointegration, Vector-Error Correction modeling, ARDL, and NARDL Estimators. Citations are over 4000 including World Bank, IMF, EEC, Harvard University and Africa org.