Ioannis K. Gatzoflias earned a B.A. in Business Administration from Anglia Ruskin University in Essex, an M.Sc. in Banking and Finance from Stirling University and a Ph.D. in Economics from Stirling University. The area of his research was financial innovation in the Banking sector in the UK and US. He worked as Head of Banking Trends in the Departments of Strategic Planning and Strategic Analysis of Egnatia Bank (2001-2005) and Deputy Chief Financial Officer in Emporiki Credicom Bank (2009-2010). He was an ad hoc consultant for Clayton Euro Risk for projects in the banking sector (2013-2018). Since 2010, he serves as Chief Financial Officer of Electronet S.A and on July 2022 promoted to Deputy CEO. Since 2002, he is teaching in distance-learning graduate programs of British universities in the fields of Economics, Finance, Accounting and Banking. He is an adjunct faculty member and teaches in the BSBA and MBA programs of HAU since 2007 and form 2021 is an Associate Professor.