This collection of essays, penned between 2014 and 2025, offers a real-time chronicle of a world navigating profound economic and social shifts. Written in the long shadow of the 2008 financial crisis, these essays capture a decade defined by the dual forces of disruptive digital technology and a global push for financial inclusion—a momentum that was abruptly tested by the COVID-19 pandemic, and a heightened awareness of climate change.
Against this backdrop of crisis and innovation, a persistent theme emerged: the failure of institutions. From corporate governance scandals to systemic oversight failures, it became clear that our structures were struggling to keep pace with a changing world.
With a critical yet constructive eye, these essays diagnose the root causes of this institutional decay—in how both organizations and individuals operate. More importantly, they offer a forward-looking vision for the necessary reforms to build a more resilient, sustainable, and equitable economic future for all.
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Dr. Kaiser Naseem
Dr. Kaiser Naseem is an international development banker with over 40 years of experience with several institutions, including the World Bank Group. He is a global thought leader on international development finance issues, and has conceptualized and developed new institutions and business models in challenging environments. His core competencies can best be described as: (i) Corporate Governance, (ii) Strategy Formulation and Oversight, (iii) Digital Transformation, (iv) MSME Banking, and (v) Aligning Business Goals with SDGs. Kaiser is a strategic thinker with strong ethical standards and focus on results. With exceptional business acumen and broad experience on a global stage he serves on the BODs of several international companies and financial institutions and provides strategic advice to senior management and business owners.
Dr. Naseem has recently published a book titled “Impacting Lives: My Journey as an International Development Banker” where he has shared his experiences on international economic development, and on why international institutions, such as the World Bank Group, the United Nations, and others need to reform to ensure meaningful impact on the lives of citizens of the countries they claim to assist.
