“Man is not free from ignorance except when he knows that he is ignorant.” — Averroes
Raphael's The School of Athens

Umar Rafi

Author · Technologist · Pilot · Entrepreneur

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Raphael · The School of Athens · 1511

ABOUT UMAR

A life across worlds.

Umar Rafi’s life has been an accidental journey across countries, cultures and perspectives. Born in Pakistan, he has lived in Pakistan, Iraq, Canada, the United States, the UAE, Saudi Arabia, Lebanon and Malaysia. His path has crossed aviation, technology, finance, artificial intelligence, entrepreneurship and writing—different experiences that continue to shape his curiosity about people and the world.

His experiences have taken him across borders often defined by conflict and competing narratives. He has formed lifelong friendships with people of different nationalities, religions and backgrounds, and those encounters have shaped a recurring question in his writing: why do compassionate, well-meaning people so often find themselves on opposing sides?

Across fiction and nonfiction, Umar writes from that intersection of lived experience and curiosity—looking at familiar questions from unfamiliar perspectives, with the hope of making it a little harder to hate people and places we have never taken the time to know.

He holds a B.S. in applied mathematics from the United States Air Force Academy, an M.S. in computer science from Wichita State University, a Ph.D. in finance from INCEIF, and an M.S. in machine learning from Georgia Tech.

Umar Rafi at the Sphinx and pyramids in Egypt
Skydivers leaving an aircraft over Perris, photographed by Carl Schwenk
Umar Rafi seated in front of the Taj Mahal in India

BOOKS

Stories and ideas from very different worlds.

A Children’s Playground
TEMPORARY COVER

LITERARY FICTION · FORTHCOMING JUNE 2027

A Children’s Playground

What happens when fundamentally decent people find themselves on opposite sides of a war?

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Banking 3.0

TECHNOLOGY & FINANCE · NOVEMBER 2026

Banking 3.0

What changes when artificial intelligence moves beyond prediction and conversation—and begins to act?

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Antifragility of
Islamic Finance

FINANCE · 2018

Antifragility of Islamic Finance

An exploration of Islamic finance through the lens of resilience, risk and antifragility.

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Pakistan / life photography

ABOUT

A life lived across different worlds.

Born in Pakistan, Umar Rafi has lived at different stages of his life in Pakistan, Iraq, Canada, the United States, the UAE, Saudi Arabia, Lebanon and Malaysia.

His path has crossed mathematics, computer science, machine learning, finance, aviation, banking, enterprise technology and artificial intelligence. Those experiences ultimately inform the same curiosity: how people and systems behave when confronted by change, uncertainty and competing ways of seeing the world.

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WRITING ACROSS WORLDS

“Look at familiar questions from unfamiliar perspectives.”

The subjects change. The curiosity remains: what happens when we look at a familiar question from another side?

WRITING

Beyond the books.

Essays, poetry and reflections—an evolving part of this site.

ESSAYS

Ideas in longer form

Literature, technology, finance, culture and the questions that connect them.

POETRY

Poetry

Verse, translations and work that belongs outside conventional categories.

REFLECTIONS

Notes from different worlds

Shorter observations shaped by places, people, history and experience.

Travel
Aviation
Skydiving
“The greatest gift one can give someone is to make them laugh and to make them think.”

— Umar Rafi

MEDIA & SPEAKING

Books, ideas and the systems shaping our world.

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

Media & speaking