Ioannis K. Gatzoflias earned a B.A. in Business Administration from Anglia Ruskin University in Essex, an M.Sc. in Banking and Finance from Stirling University and a Ph.D. in Economics from Stirling University. The area of his research was financial innovation in the Banking sector in the UK and US. During his research he was a teaching assistant in Micro and Macroeconomics. He worked as Head of Banking Trends in the Departments of Strategic Planning and Strategic Analysis of Egnatia Bank, and Deputy Chief Financial Officer in Emporiki Credicom Bank. Since 2010, he has served as Chief Financial Officer of Electronet S.A. As of 2013, he is an ad hoc consultant for Clayton Euro Risk for projects in the banking sector, and since 2002, he has taught in distance-learning graduate programs of British universities in the fields of Economics, Finance, Accounting and Banking. He is an adjunct faculty member and teaches in the BSBA and MBA programs since 2007.