Raphael's The School of Athens

A life across worlds.

Umar Rafi’s life has been an accidental journey across countries, cultures and professions. Born in Pakistan, he has lived in Iraq, USA, Canada, UAE, Saudi Arabia, Lebanon and Malaysia. His work in aviation, technology, finance, academia and entrepreneurship, and the friendships he has made along the way, have shaped his curiosity about people and what drives them.

His studies and career led him to write books on technology and finance, but the writing closest to his heart is fiction. His novels draw on that learning and lived experience to follow characters across cultures and borders as they navigate love, loyalty and duty, exploring the choices that bring people together and the beliefs that set them apart.

Umar Rafi
“The greatest gift one can offer another is a moment of laughter and a thought that lingers.”

— Umar Rafi

Umar Rafi in his blue skydiving suit, holding his helmet on the ground
Academy days — a skydiver exiting an aircraft
Academy days — a skydiving formation
Skydivers leaving an aircraft above Perris
Skydivers spreading out beneath the aircraft
A freefall formation beneath the sun
Umar Rafi in a blue suit skydiving alongside two fellow skydivers above a mountainous landscape
Skydivers in freefall above a mountainous landscape
Skydivers in freefall above a mountainous landscape
Skydivers in formation above the desert landscape
Skydivers descending over a broad landscape and clouds
Open parachutes against the blue sky
Parachutes approaching the grassy landing area
Skydivers and parachutes back on the ground

MEDIA & SPEAKING

Books, ideas and the systems shaping our world.

Available for selected interviews, podcasts, panels and speaking engagements.

Media & speaking

Beyond the writing

Professional background

Umar Rafi in flying gear beside an aircraft in his early flying years
Early flying years.

It began at the United States Air Force Academy, where I was the first Pakistani ever selected, one of only eight foreign cadets in a class of 1,500. Somewhere between a degree in applied mathematics, soaring in gliders above the Rockies and the relentless demands of military training, I found myself on the Wings of Blue, the Academy’s parachute demonstration team. Jumping with them carried me across America, from packed stadiums and small-town air shows to the plains and coastlines in between. Then came the cockpit, where every flight began long before take-off, with briefings, checklists and the quiet discipline of getting every detail right.

In those years I learned that preparation is never wasted, that responsibility cannot be handed to someone else, and that every decision, however small, travels with you into the air. I still fly as a licensed pilot and coach skydivers. Few moments compare with the instant the door opens and the ground falls away. Up there, the sky is honest: it rewards discipline and punishes complacency. Those lessons still shape how I approach complex systems, with precision and an awareness of the people who depend on them.

From the cockpit I moved into the world where software meets finance, and stayed for more than twenty years, through multiple startups and across the Middle East, South Asia and North America. In that time I watched banking change three times: from systems that quietly recorded what institutions owed, to platforms that connected them with the people they serve, to intelligent agents now beginning to act on their behalf. I have been an engineer, an architect, a founder and a teacher along the way. Most of all, I have been a student for rather longer than planned: a bachelor’s, three master’s and a doctorate later, I suspect I may never quite graduate. Every role has led me back to the same question: how should systems that hold people’s money and trust be built, and how should they behave?

In time those questions found their way into my writing and teaching. I explore how technology reshapes banking, from the way institutions manage risk and serve their customers to how financial systems endure shocks, and what they will need as intelligence moves closer to action: how authority is delegated, how decisions are evidenced, and how trust is kept when machines begin to act on our behalf.

Explore my work in banking technology →

Raphael’s School of Athens, with numbered figures to identify