Rafi is a master of business administration (MBA) and has extensive experience in banking loans, credit risk function, analysis and review. With his in-depth knowledge in economic consulting of ICO's and a track record in generating multi-million sales revenues he represents solid pillars for the realization of Pecunio's potential. Rafi is a strong advocate for the Austrian school of economics, besides a vast interest for the "Nordic model". Undoubtedly he believes nothing is impossible with hard work and dedication.