Manish Khera is the Founder and Chief Executive Officer of Financial Inclusion Network and Operations (FINO), which operates one of the world's largest branchless banking channels through a network of over 30,000 business correspondents. An in-house, low-cost technology helps monitor the distribution operations for its clients, which includes financial institutions and governments. Khera believes that FINO's business model will transform the traditional approach of serving the underserved and will bring about deeper penetration in the customer base and improve operational efficiencies as well as drive economic growth. The World Economic Forum honoured FINO with a Technology Pioneer Award in 2011. Khera started his career with ICICI Bank, where he spent 13 years in varied roles. He graduated from the Faculty of Management Studies in New Delhi and has an M.Phil from the University of Cambridge.