Muhammad Arif Sargana Keywords telecom economics affair ICT Read more about Muhammad Arif Sargana Mr. Sargana has more than 23 years extensive and demonstrated professional experience both with public and private sectors/International donors/INGOs as an economist. He is working as Director (Economic Affairs) with Pakistan telecom regulator since 2003. He has worked extensively on the development of facilitative regulatory environment for the mobile banking industry in Pakistan.