Sifat Mahmud is a Business Analyst and academic researcher specializing in customer experience and service excellence in retail banking domain. With over a decade of award-winning experience at global institutions like HSBC, Eastern Bank PLC, he combines deep industry expertise with advanced skills in marketing analytics, AI implementation, and risk management.

Sifat currently works as a Business Analyst at PUI Audio, Inc. in Dayton, OH. He holds two master's degrees—one in Marketing Analytics and Insights from Wright State University (US) and another in Banking from University of Dhaka (Bangladesh)—and is also a Certified Expert in Risk Management from Frankfurt School of Finance and Management (Germany).

At Wright State, he was recognized with multiple scholarships and awards for his academic excellence. His pioneering research, including a published study titled "The Future of U.S. Retail Banking," employs quantitative analysis to compare AI and human-driven service models. This work provides actionable strategies for enhancing customer satisfaction and operational efficiency and has been featured at academic conferences and in industry publications, demonstrating his unique ability to translate complex data into real-world business solutions.

As a sought-after voice on the intersection of finance and technology, Sifat brings a compelling perspective on building a hybrid, customer-centric banking model for the modern economy.