Dr. Yaseen Ghulam is a senior lecturer at the University of Portsmouth, United Kingdom. He is an expert in economics, finance, and banking and has published in international journals such as Technological Forecasting and Social Change, Omega, European Journal of Operational Research, Journal of Asian Economics, Research in International Business and Finance, and many more. His current research areas include institutions and institutional quality, SME’s finance, efficiency and productivity, and modeling of sovereign debt defaults.