Tahir Shahzad

Product Manager | Web Developer | AI Enthusiast

Why We Stopped Using PayPal: Lessons from an E-Commerce Experience

As a business owner navigating the complexities of digital payments, my experience with PayPal left me with valuable lessons and, admittedly, a few frustrations. While PayPal is a market leader in payment gateways with a significant user base, our journey highlighted critical challenges when dealing with chargebacks and fraud prevention. This post isn’t about placing blame, but rather sharing our experience to help others facing similar issues.

The Scenario: Launching a B2C Platform for Digital Goods

We launched a B2C platform for digital goods, where customers could purchase and instantly receive their products via email. Due to the nature of digital goods—instantaneous delivery without a return or refund option—we implemented rigorous security measures to minimize risks. These included:

  • Strict transaction rules: Monitoring the number of transactions, purchase limits, and suspicious patterns like repeated CVV attempts.
  • Email verification: Blocking temporary emails and requiring 2FA (Two-Factor Authentication) for account access.
  • 3D Secure compliance: For card payments, we adhered to industry standards to ensure secure transactions.

Our cautious approach did cost us some potential sales, but it helped us safeguard against fraudulent transactions and reduce chargeback risks.

Fraudulent Behavior Patterns

E-commerce payment gateways often expose businesses to patterns of fraudulent behavior, including:

  • Mass Attempts: Hundreds of purchase attempts originating from the same IP address within a short timeframe, typically an indicator of automated or malicious activity.
  • Incremental Fraud: Fraudsters systematically testing multiple card numbers, expiration dates, or CVVs in an attempt to find a working combination and exploit the system.
  • Chargeback Abuse: Customers intentionally filing disputes or claiming “unauthorized transactions” after receiving goods or services, exploiting lenient refund policies.
  • Account Takeovers: Fraudsters gaining unauthorized access to legitimate user accounts to make purchases, often bypassing basic security checks.

Such activities not only strain security measures but also highlight the critical need for robust fraud prevention protocols to protect both businesses and customers.

The Challenge: Using PayPal for Payments

Given PayPal’s market presence, we integrated it as one of our payment gateways. The customer journey was simple: users would select PayPal at checkout, redirect to the PayPal platform to log in and authorize the payment, and return to our system with the transaction details. On paper, it looked like a seamless and secure process.

However, chargebacks labeled as “Unauthorized Transactions” began to surface, and they were a game-changer.

The Problem with Chargebacks

Chargebacks are an unavoidable part of e-commerce, but they often pose significant challenges, particularly when it comes to handling “Unauthorized Transactions.” Our experience highlighted several recurring issues:

  • Email Discrepancies: Some customers registered on our platform with one email and used a different email for their payment gateway account (e.g., PayPal). While this is technically valid, it created confusion and complications when chargebacks were filed, making it difficult to verify user identities.
  • User Authorization Uncertainty: Even after implementing robust security measures like 2FA (Two-Factor Authentication) for both our platform and payment gateway-associated emails, customers continued to flag transactions as “Unauthorized.” This raised questions about who truly had access to and control over these accounts, leaving businesses in a vulnerable position during disputes.
  • Family or Shared Accounts: Payment accounts shared among family members or used for group purchases often led to disputes when one party claimed not to have authorized the transaction, even though the purchase was made using legitimate account credentials.
  • Delayed Chargebacks: Customers sometimes initiated chargebacks weeks or months after the purchase, long after the digital goods had been delivered. This created a scenario where businesses had limited ability to dispute the claims, especially for non-returnable digital products.
  • Lack of Evidence Weighting: Evidence submitted to dispute a chargeback—such as delivery confirmations or user authentication logs—seemed to carry less weight in decisions, leaving businesses with little recourse.

These issues underscore the complexity of managing chargebacks and the importance of both customer education and proactive fraud prevention measures to reduce disputes and protect the business.

Our Solution: Removing PayPal

After losing a significant amount to chargebacks and exhausting every possible option to improve transaction security, we made the difficult decision to remove PayPal as a payment gateway. This was not a decision we took lightly, as we fully recognize the value and widespread adoption of PayPal in the e-commerce world. It is one of the most trusted and convenient payment platforms for customers, offering seamless transactions and a familiar user experience.

However, for a digital goods platform like ours—where fraud prevention is critical and chargebacks pose unique challenges—we found it increasingly difficult to balance security and usability with PayPal. Our business model requires us to ensure the legitimacy of every transaction because digital goods, once delivered, cannot be returned or refunded. Despite our best efforts, including robust fraud prevention measures, the chargeback process with PayPal created vulnerabilities that we couldn’t effectively mitigate.

Why We Couldn’t Make PayPal Work

  1. Limited Verification Options: Unlike card payment gateways that utilize mechanisms like 3D Secure, PayPal’s system offered limited verification capabilities for customers purchasing digital goods. This made it harder to authenticate the legitimacy of transactions.
  2. Chargeback Risks: For digital goods, chargebacks labeled as “Unauthorized Transactions” often left us with little recourse, as digital products cannot be physically returned. Despite providing evidence of delivery and authentication, disputes often ended in favor of the customer.
  3. Fraudulent Behavior: PayPal’s user-friendly interface, while beneficial for customers, made it easier for fraudsters to exploit the platform. Patterns of incremental fraud, shared accounts, and delayed chargebacks created significant financial risks.
  4. Mismatch with Our Security Standards: Our platform relied on strict security protocols, such as 2FA, email validation, and IP monitoring. Integrating PayPal, with its less stringent user verification, created inconsistencies that exposed us to unnecessary vulnerabilities.

Lessons Learned

While PayPal remains an excellent choice for many businesses, particularly those dealing with physical goods or services that allow returns, it proved to be a poor fit for our specific needs. For digital goods platforms, where fraud prevention and irreversible transactions are critical, these challenges made PayPal an unsustainable solution.

This decision has allowed us to focus on alternative payment gateways that better align with our security requirements, offering advanced fraud detection, tighter user verification, and more robust chargeback dispute mechanisms.

A Word of Advice to Other Businesses

If your business model involves digital goods or services, consider the following before integrating PayPal or similar platforms:

  • Assess Your Fraud Risks: Evaluate the risk of chargebacks and unauthorized transactions in your industry.
  • Explore Additional Verification Layers: Look for payment gateways offering tools like 3D Secure, enhanced fraud detection, and multi-factor authentication.
  • Monitor Patterns: Continuously analyze customer behavior to identify potential fraud trends.
  • Communicate Clear Policies: Set clear refund and chargeback policies to minimize misunderstandings and disputes.

Removing PayPal was a tough but necessary decision for our business. While we appreciate its role as a leading payment gateway, we had to prioritize the security and sustainability of our platform. This experience has taught us valuable lessons that we hope will help others navigate similar challenges in the ever-evolving e-commerce landscape.

Still Seeking Solutions

While we’ve moved away from PayPal, the challenges we faced have not discouraged us from seeking better solutions to balance security, user convenience, and fraud prevention in our payment processes. Removing PayPal was a strategic decision based on our specific needs as a digital goods platform, but the broader issue of managing fraud and chargebacks remains a significant focus.

Advocating for Better Chargeback Mechanisms

As we navigate these challenges, it’s evident that the industry as a whole needs better mechanisms to address chargebacks, particularly for digital goods. We believe:

  • Payment gateways should provide more context-specific options for merchants dealing with non-returnable items.
  • Evidence provided by merchants, such as delivery confirmations or customer authentication logs, should carry greater weight in chargeback disputes.
  • Collaboration between merchants, payment providers, and customers needs to improve to prevent misuse of chargeback systems.

A Commitment to Continuous Improvement

Despite the hurdles, we remain committed to finding solutions that protect our platform and customers. The e-commerce landscape is constantly evolving, and staying ahead requires a mix of innovation, collaboration, and adaptation. We are optimistic that with continued effort, we’ll achieve a secure and efficient payment ecosystem that aligns with our business needs and customer expectations.

For now, we continue to test and implement measures that not only reduce fraud but also enhance the trust and transparency of our platform. This is an ongoing journey, and we’re determined to turn these challenges into opportunities for growth and improvement.


Disclaimer: This post reflects my personal experience and is intended to share insights with other professionals. It does not represent PayPal’s official practices or policies.

Workshop Highlights: FYP Ideation

It was an absolute honor to visit Islamic International University Islamabad (IIUI) and conduct the workshop titled “FYP Ideation Workshop: From Concepts to Success.” The energy, curiosity, and talent of the students made this an incredibly rewarding experience. I hope they found the session to be practical and valuable for shaping their Final Year Project (FYP) ideas into impactful solutions.

What made this visit extra special was reconnecting with Shakir Rasheed Khan Khattak, now part of the faculty, and a former colleague from my software house days. Additionally, meeting Dr. Imran Saeed, the esteemed teacher of my own teacher and mentor Dr. Rabeeh Ayaz Abbasi, was a memorable highlight of the day. The deep-rooted connections made this event personally significant.

A heartfelt thanks to the Computer Science Society (CSS), Microsoft Learn Students Club-IIUI, and BlackBox AI – IIUI for organizing this amazing event and for their warm hospitality. The collaborative efforts of these groups set the stage for an inspiring workshop.

Workshop Overview

The workshop delved into the golden circle frameworkwhy, how, and what—to illustrate how two similar products, separated by a decade, succeeded or failed based on their clarity of purpose. The session offered students practical insights into moving from ideation to execution.

Here’s how we broke it down step by step:

Step 1: Starting with IKIGAI

We began by exploring the concept of IKIGAI—a Japanese philosophy that helps align one’s passions and skills with what the world needs.

The students, grouped into teams of 4-6 members, answered these four fundamental questions:

  1. What do you love?
  2. What are you good at?
  3. What does the world need?
  4. What can you be paid for?

Teams identified overlaps among these answers to brainstorm ideas aligned with their IKIGAI. For example:

  • You love teaching.
  • You are good at communication.
  • The world needs better education.
  • You could earn as a tutor.

This exercise encouraged students to connect their passions with potential solutions.

Step 2: Refining Ideas Using the Lean Canvas

Once teams had their rough ideas, we used the Lean Canvas framework to refine them. This structured approach helped students focus on critical aspects of their ideas, such as:

  • Problem Statement
  • Customer Segments
  • Unique Value Proposition
  • Revenue Streams
  • Key Metrics

By mapping out these elements, the students gained clarity on how to turn their concepts into actionable projects.

Step 3: Crafting the Elevator Pitch

The next step was creating a compelling elevator pitch for their ideas, using this format:

  • For [target audience]
  • Who [specific need or problem]
  • The [product name]
  • Is a [type of solution]
  • That [unique feature or value]
  • Unlike [competitor/alternative],
  • Our product [key differentiator].

For example:

  • Healthcare Monitoring System
    • For elderly individuals and their caregivers
    • Who need continuous health monitoring
    • The wearable health monitor
    • Is a real-time tracking device
    • That sends alerts for abnormal vital signs
    • Unlike traditional periodic check-ups
    • Our product offers 24/7 monitoring and immediate alerts, improving healthcare response times.

Each team presented their pitch, allowing others to learn from their approach and perspectives.

Step 4: Storyboarding and Task Breakdown

To bring their refined ideas to life, students identified the core modules, outlined their capabilities, and broke them down into manageable tasks using storyboards. This visual process helped the teams plan their projects effectively and prioritize key deliverables.

Step 5: Applying Scrum to FYP Execution

We concluded with a practical discussion on using the Scrum framework to manage their FYPs. The students decided to assign their supervisors the role of Product Owner, while one team member would act as the Scrum Master.

We explored how they could structure their workflow:

  • Weekly meetings with supervisors could serve as Sprint Reviews and Retrospectives.
  • Sprint Planning meetings would help define tasks for the next sprint.
  • This iterative approach would ensure continuous progress and alignment.

Final Thoughts

It was rewarding to see the students engage actively, refine their ideas, and apply these tools during the workshop. The practical frameworks, from IKIGAI to Scrum, gave them actionable steps to start their FYP journey with confidence. I’m optimistic that these budding minds will polish their skills further and emerge as innovators in their careers.

A huge thanks once again to the IIUI organizers and their hospitality for making this event such a success. Here’s to turning ideas into impactful solutions! 💡

Reflecting on Agile Conferences Pakistan 2024, Islamabad

Attending Agile Conferences Pakistan 2024 in Islamabad was an inspiring experience, and a testament to how far the Agile Pakistan team has come in their mission to empower professionals with Agile methodologies. This event marked 10 years of Agile in Pakistan, and the team deserves kudos for bringing the celebration and conference to the heart of the capital. Their teamwork, successful execution, and commitment to educating professionals about Agile principles truly reflect the values they teach.

Key Insights from Agile Pakistan 2024

The conference gathered a broad spectrum of attendees, including Agile coaches, project managers, developers, and students. As I listened to both speakers and participants, a clear, unspoken agreement emerged around a few key points:

  1. Agile as a Mindset, Not a Set of Tools
    Agile is more than just the tools and processes we use; it’s a mindset that has been helping teams succeed even before the Agile Manifesto was created in 2001. An Agile mindset enables teams to adapt, collaborate, and focus on continuous improvement, regardless of hierarchy or tools.
  2. Bridging Academia and Industry
    There was a strong consensus on the need to enhance Agile practices in academia and foster better collaboration between universities and the industry. While cities like Islamabad, Lahore, and Karachi are seeing the benefits of this close collaboration, regions with fewer job opportunities risk falling behind. Supporting academic institutions with industry connections can help them stay current, benefiting the entire ecosystem.
  3. Adaptation Over Rigidity
    Agile isn’t a one-size-fits-all solution, and that’s okay. It’s perfectly valid for an organization to choose a different framework, such as Waterfall, if it best meets their needs. Agile encourages flexibility, so insisting that everyone must “be Agile” can be counterproductive. Adaptability to the needs of each organization is what matters most.
  4. Agile as an Empowering Force, Not a Cult
    For teams open to collaboration, Agile is flourishing, but for those who view it rigidly as a “cult” or blocker, it often falls short. Agile is about empowering teams, fostering communication, and allowing for flexibility. For Agile to thrive, organizations must first adopt the mindset, not just the label.
  5. Dispelling Myths Around Agile
    Agile methodologies are often misunderstood, with many myths surrounding Agile and the frameworks that support it. These misconceptions can become barriers, creating a culture of resistance. Dispelling these myths is essential for teams to embrace Agile effectively.
Group Photos with my colleagues of Now Software, Islamabad

Topics Still Worth Exploring

While the conference covered a lot, I couldn’t help but feel there were some areas that deserved more attention. Here are a few topics that, I believe, would add even more depth to the Agile conversation:

  • Roles and Responsibilities Within Agile Teams
    Exploring the responsibilities of each individual within Agile teams could be incredibly valuable, especially with specific breakdowns for frameworks like Scrum, Kanban, and XP. This clarity can help teams better align and understand their contributions to the overall project.
  • Handling Conflicting Priorities
    Every team faces conflicting priorities at some point. More insights on how Agile principles can help teams balance and manage these priorities would be immensely helpful.
  • Involving Stakeholders in the Agile Process
    Adopting an Agile mindset is more effective when stakeholders are actively involved. Creating opportunities for their input can enhance collaboration and build trust, but it’s often a challenging area that many teams struggle with.

Would you suggest any additional topics that could enrich us about Agile practices?

Leaving You with a Few Questions

I’ll end this post with some open-ended questions that we discussed at the conference and that continue to shape the Agile conversation:

  • Is Agile a mindset or a methodology?
  • Is Agile dead, or is it still evolving?
  • What myths exist around Agile in your team or organization, and how are you working to dispel them?

Let’s keep the discussion alive, not only in conferences but within our teams and workplaces, as we strive to bring the Agile mindset to life in meaningful ways.

Looking Back: The Real Impact of Teacher on Life and Character

At 34, I look back on my education and realize that my memories of teachers are less about the lessons and more about how they treated me. Formulas, theories, and facts may have earned me good grades, but they don’t stand out in my mind. What I remember most are the ways my teachers influenced my growth, either through kindness or disappointment.

Today, with a deeper understanding of human consciousness, intelligence quotient (IQ), emotional quotient (EQ), and social intelligence, our educational approach should shift. We now know that empathy, compassion, and a positive environment are crucial in nurturing young minds. Yet, the impact of a teacher’s behavior often outweighs the impact of any curriculum.

Memories That Stick: Moments of Bias and Kindness

One of my earliest memories involves a teacher who was about to slap me, but the situation shifted the moment my mother entered the classroom for a meeting. The teacher immediately changed her tone, saying I hadn’t completed my work. I didn’t confront it then, but I realized later how some students were handled differently, perhaps because of biases or favorites. In contrast, I recall a different teacher who praised my mathematical skills in front of the class. I no longer remember the formula, but her words and motherly encouragement have stayed with me, bringing warmth even today.

When Pain Outlasts the Lessons

In two different schools, I had math teachers who resorted to using a wooden compass as punishment. They’d ask a question and, if a student failed to answer, they’d jab the compass with its pointed screw-end into the student’s hand, leaving a lingering pain that lasted all day. Those lessons on formulas have long faded, but the memory of that pain and humiliation remains.

On the other hand, during that same time, my science teacher once awarded me a medal from his personal collection, recognizing my effort in front of the entire class. It was a simple act, but one that reinforced my self-worth and motivation to succeed in a way that no punishment could.

The English Teacher: Lessons Beyond Language

I can communicate in English today, and I’m sure there’s credit due to my English teachers along with my own efforts over the years. However, what I remember most about one English teacher isn’t related to language skills. I remember him for the abusive language he used in the classroom and for showing students ways to cheat during exams. These memories stayed with me, not as lessons in language, but as reflections on the kind of behavior I would never want to mirror

Integrity Over Position

In my government school, the examination team was often lenient, allowing students to cheat so they could pass. I remember classmates sneaking small cheat sheets into exams, using them without hesitation. Although I could have joined them, I chose not to. I ended up with the third position, and to this day, I am prouder of that achievement than any other. The pride didn’t come from the score but from the fact that I stood tall, holding onto my integrity when I could have easily chosen otherwise. A person who resists when given the opportunity to do wrong demonstrates far greater strength of character than one who never faces temptation.

The Memories We Carry

I believe many others hold similar memories—not of the facts and figures we were taught, but of how we were treated, how our classmates treated us, and the experiences we had. These memories shape our character and our values. Teachers, knowingly or not, become some of the most influential people in our lives. They have the power to inspire or discourage, to build us up or make us feel small.

Education as Factory or Nurturing Ground?

If our education system continues to emphasize rote learning and punishment, then it risks becoming a factory. A factory of what, I’m not sure—but one that doesn’t produce what is valuable. Just as junk food provides little nourishment, a system that relies on outdated methods and rigid mindsets fails to truly nurture young minds. This form of education becomes a trend rather than a mindful choice, consumed simply because it’s there, rather than for its potential to enrich lives.

True education should be about empathy, curiosity, and growth. It’s about creating an environment that prioritizes the development of character and values as much as academic knowledge. As Albert Einstein once said, “Education is what remains after one has forgotten what one has learned in school.” Let’s make sure what remains are memories of kindness, integrity, and encouragement, shaping individuals who are prepared not just to pass exams but to navigate life with resilience and purpose.

Reflections on Dev Jirga at Quaid-i-Azam University: The AI Journey

My recent experience at Dev Jirga at Quaid-i-Azam University was inspiring. Engaging with students as they discussed and validated their Final Year Project (FYP) ideas reminded me of my own journey in tech. It was encouraging to see that they weren’t just incorporating AI for the sake of AI; instead, they were deeply focused on making it purposeful and scalable.

The session gave me a chance to reflect on my experiences, particularly two projects I worked on a decade apart: one relying on traditional OCR and algorithms, and the other powered by Large Language Models (LLMs). This comparison highlighted some key reasons why many AI projects struggle to gain traction in the industry. As we discussed these insights, it became evident that certain core elements can make or break an AI product’s success.

Photo Credit: Afnan Ul Haq, IIUI

The Key Elements of a Successful AI Product

A successful AI product is more than just a powerful algorithm—it’s a balance of technical robustness, user-focused design, and ethical responsibility. Here are the elements I shared with the students that are crucial for any AI solution to stand the test of time:

Technical Aspects

  1. Data Quality: Access to a rich and diverse dataset is essential to train a reliable AI model. High-quality, unbiased data ensures that the model can generalize well and make accurate predictions.
  2. Reliability: Consistent performance is crucial for industry acceptance. The model must maintain accuracy under various conditions and use cases.
  3. Scalability: As data and user demand increase, the AI model should scale seamlessly to handle the load without compromising performance.
  4. Security: Protecting sensitive data and ensuring user privacy are critical. Strong data protection safeguards must be in place to prevent breaches.
  5. Manual Override: In critical or error-prone scenarios, AI systems should allow for human intervention. Having a “human-in-the-loop” is key for sensitive decision-making.

User-Centric and Operational Aspects

  1. Value Addition: AI should deliver measurable improvements, whether in productivity, efficiency, or user experience.
  2. Effort Reduction: A good AI system simplifies complex processes and minimizes manual work for the end user.
  3. User-Friendly Interface: A simple and intuitive interface encourages adoption, making the technology accessible and practical.

Ethical and Social Aspects

  1. Human-in-the-Loop: Human oversight is essential to manage edge cases and ensure quality, allowing AI to complement human intelligence.
  2. Ethics and Compliance: The AI product must adhere to data privacy regulations and uphold ethical standards.
  3. Trust & Transparency: Transparent processes build trust with users, making them more comfortable with the AI’s role.
  4. Accountability: Defined accountability is necessary to ensure fair handling of AI-driven decisions, especially in cases where errors could impact users.

The AI Journey: From Ideation to Scalable Solution

We discussed that building AI solutions involves much more than algorithms and models—it’s about creating a meaningful impact. As I shared these principles, I could see students resonate with the importance of focusing on AI’s practical benefits rather than its technical novelty. This mindset shift is what separates a prototype from a real-world solution that brings value.

Dev Jirga Motivation and Goals

Dev Jirga 2024 was designed to bridge the gap between academia and industry, empowering students with the practical skills and industry insights needed to thrive in today’s rapidly changing tech landscape. The event offered an engaging lineup of sessions, including expert talks, interactive networking opportunities, and two impactful panel discussions that connected students and professionals around shared goals in technology.

I am incredibly grateful to Ali Mumtaz, Lead of MLSA QAU, as well as the dedicated leads from other MLSA chapters (whose names I regret not having on hand), along with all volunteers and sponsors, who made this event a success. Together, they transformed an idea into an opportunity-rich environment for both students and industry experts.

Special thanks to Mudassar and the students from the University of Haripur, who joined us under his supervision. Mudassar and I crossed paths at QAU, sharing many co-curricular experiences despite being in different programs. It was inspiring to see students from IIUI and NUML also participating with enthusiasm—they were full of energy, eager to gain valuable insights, and committed to making the most of this event.

Looking Forward

It was fulfilling to see the next generation of tech talent so deeply engaged with the challenges of AI development. I’m excited to see how these genius minds will refine AI-based products and create solutions that drive real value in the industry.

Beyond Rote Learning: A Shift from Grades to Growth

Education isn’t about memorizing formulas or learning the alphabet earlier than others. Real intelligence isn’t defined by how fast a child grasps concepts, nor is it limited to academic knowledge. Any skill, whether intellectual like mathematics or physical like swimming, can be learned at any stage of life, provided the learner’s mental and physical health is nurtured.

For centuries, the education system has emphasized rote learning—building vocabulary, memorizing names, and mastering formulas. Yet, the truly curious and genius minds are those who break free from this traditional framework. They challenge the status quo, explore the world on their own terms, and disrupt the established knowledge base with new ideas, theories, and inventions.

Unfortunately, today’s school system has drifted into a state where business mindsets, materialism, and unmotivated teachers overshadow the true essence of learning. Not all teachers are to blame, but many children face unnecessary obstacles that stunt their growth and development. I’ve observed a few practices in modern education that are counterproductive to nurturing a child’s potential:

1. Suppressing Communication with Parents

We teach our children to speak up—to tell their parents everything. Open communication helps parents detect if something harmful is happening, whether it’s bullying or misconduct. But some teachers discourage this, especially when they themselves are at fault, such as when they unjustly punish a child or take their lunch. These teachers, knowingly or not, erode the trust a child has in their own voice and their ability to seek help from their parents.

2. Materialistic Expectations

In some classrooms, teachers casually suggest that children bring gifts for occasions like Teacher’s Day or sweets for various events. Though the suggestion may be offhand, young children take it literally. When one child brings a gift, others feel ashamed if they don’t, and this comparison can damage their self-esteem at an early age. Education should never be tied to materialism, and no child should feel less valued because they didn’t bring a present to school.

3. Overemphasis on Curriculum

Education’s purpose is not solely to impart knowledge of the alphabet or mathematical formulas. Yet, schools today are laser-focused on how much of the curriculum has been covered. Teachers and administrators often fail to understand when parents express that following the curriculum to the letter isn’t what they want for their child. The obsession with grades and test scores overrides the importance of critical thinking, emotional growth, and personal development.

I grew up in a system that didn’t prioritize the needs of the student. I attended government schools, sat on the floor, and experienced punishments—not for learning but for bruising a teacher’s ego. My disinterest in the curriculum didn’t mean I was incapable of learning. It meant that the system wasn’t designed to ignite curiosity or foster true intelligence.

As a parent, I envision a new kind of education system—one where character-building is more important than memorizing facts, where emotional intelligence (EQ) is valued as much as intellectual intelligence (IQ), and where self-awareness and courage are cultivated instead of punishment.

An Education Manifesto: A Framework for Transformation

Inspired by the values of growth, curiosity, and compassion, I believe education needs a new manifesto, one that redefines how we approach teaching and learning. Just as the Agile Manifesto revolutionized software development, an Education Manifesto can reshape the way we think about schools, teachers, and students. With the help of AI here’s what that could look like:

The Education Manifesto

We are uncovering better ways to foster learning by valuing:

  • Curiosity and exploration over memorization and rote learning.
  • Emotional growth and self-awareness over standardized testing and grades.
  • Student-teacher collaboration over rigid authority and discipline.
  • Adaptability and creative problem-solving over strict adherence to the curriculum.

This manifesto emphasizes that the true essence of education lies in nurturing curiosity, encouraging emotional intelligence, and fostering collaboration, rather than simply following outdated systems of grades, tests, and rigid structures.

Principles Behind the Education Manifesto

  1. Curiosity drives deeper learning.
    Education should prioritize exploration and curiosity over rote memorization. Students learn best when they are encouraged to ask questions, experiment, and discover answers for themselves, fostering a mindset of lifelong learning.
  2. Emotional intelligence is as important as academic success.
    Self-awareness, empathy, and emotional regulation are key to personal and professional growth. Schools must nurture emotional intelligence, creating well-rounded individuals who can navigate both their inner and external worlds effectively.
  3. Collaboration enhances learning.
    The relationship between students and teachers should be one of partnership, not strict authority. Learning is a shared journey where students’ voices are heard, and their contributions are valued. Collaborative learning fosters creativity and critical thinking.
  4. Adaptability is key in an ever-changing world.
    Rather than rigidly adhering to curricula, education should encourage flexibility and creative problem-solving. Students should be prepared to respond to changes, challenges, and opportunities, equipping them with the tools to thrive in an unpredictable world.

Conclusion: Reimagining Education for the Future

It’s time for a fundamental shift in how we approach education. Instead of focusing on memorization, rigid curricula, and outdated systems, we need to nurture curiosity, emotional intelligence, and collaboration. Education should inspire children to think critically, adapt to challenges, and solve problems creatively.

By embracing these values, we can create a learning environment where character-building, self-awareness, and empathy take precedence over grades and standardized testing. As Albert Einstein wisely said, “Education is not the learning of facts, but the training of the mind to think.” The future of education should empower students not just to learn but to explore, grow, and thrive in an ever-changing world.

It’s time to rethink how we define success in education, focusing on the whole child, their emotional growth, and their ability to navigate life with resilience and purpose.

From Street Sales to Business Solutions: Part 1

A Simple Business Model

Looking back at my childhood, business always seemed simple in my mind. Like many kids, I dreamed of what I could become based on the professions I saw around me. For me, it was becoming a tailor. The business model seemed straightforward: a tailor’s main costs were electricity and time, and in return, they made money. It felt similar to today’s idea of starting a business with zero investment. Of course, in reality, there’s always some cost involved, but the key is understanding how much margin you can create.

Childhood Hustles: Water Balloons and Bad Deals

As a kid, I made my fair share of terrible deals. One of the worst was selling a bunch of flags to a friend for almost nothing. I got a bit of a scolding for that, but the learning didn’t stop there. My next venture was selling water balloons with my older brother during the hot summer days in Karachi.

Almost 25 years ago, we used to buy water balloons in bulk—four balloons for 1 PKR—and then fill them with water and air manually, tying them off with elastic strings to sell them. I remember how exciting it was. At first, we would sell one balloon for 1 PKR, but as demand grew, we sometimes sold them for 2 PKR each. It wasn’t a massive operation, but it felt like we were making real money.

No Financial Education, Just Learning by Doing

Like most kids from the masses, we didn’t have any financial education. A typical upbringing in our society involves enrolling kids in school for modern education and Madrassa for Islamic values. Ventures like these weren’t encouraged. However, my elder brother was always a big part of those early experiences, supporting these experiments and fostering my entrepreneurial spirit.

A New Chapter: Moving to Abbottabad

At age 11, we moved from Karachi to Abbottabad, leaving behind those childhood transactions. But life had more lessons in store. At 13, my uncle passed away, and we moved to our village. In our culture, at least one man from each family stays in the village to contribute both physically and financially to family rituals—marriages, deaths, and crises.

The Grocery Store: A Hands-on Business Education

My uncle had been running a grocery store and working as a tailor. My father decided to continue the grocery store but leave tailoring behind. This brought me closer to the world of business again, as I took on responsibilities in the shop while continuing my schooling. Among my brothers, I was the one most engaged in the store. Each morning, I would open the shop, starting by purchasing milk wholesale and selling it to consumers. Then came the school rush—kids coming in for their daily snacks, some happy and others crying for their favorite treats. After managing that chaos, I’d head to school, only to return in the afternoon to work until nightfall.

Practical Lessons in Profit and Loss

At school, I was learning that 2+2 equals 4, but at the shop, I was learning something far more practical: how to turn 4 into 5 (profit) and how to manage when 4 turns into 3 (loss). These were lessons no textbook could teach, and they shaped my understanding of business, profit margins, and customer relationships.

Over time, I became familiar with both good and bad customers. I remember an old man who once told me, “We have two hands. One is to stop harm from coming from us to others, and the other to shield ourselves from harm coming from others.” This wisdom stayed with me as I dealt with various people and situations at the shop.

Closing the Shop: A New Path Forward

As the years passed, the demands of my education increased, and managing both school and the store became impossible. Eventually, we made the decision to close the grocery store, but I still cherish those 5-6 years of being a shopkeeper. Those years were my first steps into the world of entrepreneurship—learning to manage stock, handle money, and deal with customers. They shaped my business acumen and taught me the value of hard work and patience.

From Groceries to IT: A Journey Fueled by Enthusiasm

As I grew, so did my exposure to technology. With creativity, curiosity, and a strong desire for problem-solving, I invested in my education, pursuing a degree in Computer Science with my family’s support. I completed my MSc. in Computer Science from Quaid-i-Azam University, which placed me in a challenging environment where I had to deal with unknowns, build bridges across cultures, organize events, and simultaneously master programming, problem-solving, and time management.

These foundational lessons helped me in the IT industry, where I found myself working on projects aimed at solving real-world business problems. From developing cutting-edge interfaces to writing algorithms that digitize traditional workflows, I found myself constantly applying the lessons learned from my early experiences in business.

Transitioning into Management: Building on Early Lessons

As I transitioned into management, I found myself leading cross-functional teams and working on B2B projects, helping businesses solve problems and meet their goals. It’s interesting how life comes full circle—from selling water balloons in Karachi to selling Gift Cards across the US and Europe. The lessons have always been the same: understand the need, solve the problem, and create value.

Conclusion: Lessons for Life and Business

Throughout my journey, one thing has remained constant: entrepreneurship and business are about learning by doing. From selling water balloons to managing B2B projects, every experience has reinforced the importance of hard work, problem-solving, and adding value. As Steve Jobs famously said, “Stay hungry, stay foolish.” That curiosity and drive for improvement have been key to my growth, and they continue to fuel my passion for learning and evolving in both business and technology.

To Be Continued…

Stay tuned for Part 2, where I’ll dive deeper into more lessons learned from running a grocery store, handling tricky customers, and transitioning into the fast-paced world of technology and business solutions.

Disaster Story: The Day I Broke a Website with One Click

I’ve always been wary of File Manager plugins. From the beginning of my career, I’ve avoided working with clients who don’t trust me with direct server and database access. It’s a slippery slope, and using such plugins adds unnecessary risk. But recently, I broke my own rule and learned firsthand why these tools can be more trouble than they’re worth.

Here’s what happened:

I was working on a client’s website, and the SFTP access provided wasn’t working. Unfortunately, due to the time difference, my client was fast asleep when I needed to resolve the issue. Impatience got the better of me. Eager to diagnose the problem quickly, I made a decision that still makes me cringe: I installed a File Manager plugin to access the files directly.

As I was navigating through the files, I noticed some site redirection issues. The site had multiple factors at play—security plugins, custom .htaccess rules, caching plugins, and redirection plugins. Any one of these could have been the cause of the problem. Following what I believed to be a standard practice, I went straight to the wp-content folder using the File Manager plugin and renamed the plugins folder to plugins-bk to temporarily disable all plugins.

What happened next?

Of course, I had forgotten I was using a plugin to manage the files. By renaming the plugins folder, I effectively deactivated the File Manager plugin, which meant I lost access to the site’s backend, and the entire site went down. Everything came to a halt, and I immediately realized my mistake.

Moral of the Story: A Development Mindset

The lesson here wasn’t just about the technical mistake I made—it was a reminder to stay patient, trust proven methods, and avoid shortcuts when dealing with something as critical as a client’s website. As developers and product managers, we often face challenges where our instincts might push us to rush toward a quick fix. But in this case, my impatience led to unnecessary downtime and extra work.

Mistakes happen, but in the development mindset, the focus should be on continuous improvement. As Steve Jobs said, “Stay hungry, stay foolish.” Keep learning, keep experimenting, but also remember: don’t repeat the same mistake twice. I won’t be rushing into File Manager plugins anytime soon. The next time I encounter an access issue, I’ll wait for the client to fix SFTP access or explore more reliable options instead of taking shortcuts.

Another valuable reminder from this experience is best summed up by Albert Einstein, who said, “Anyone who has never made a mistake has never tried anything new.” The key is not just making mistakes, but learning from them, adapting, and improving.

In the end, development is not just about writing code or managing files—it’s about how you handle the unexpected and keep growing through each challenge you face.

Entrepreneurship Was Never About a Billion Dollars

When people talk about entrepreneurship today, it’s often framed as the pursuit of billion-dollar valuations, IPOs, and unicorn startups. But true entrepreneurship has never been about that. At its core, entrepreneurship is about solving problems, adding value, and improving people’s lives. Some of the world’s most successful companies—Google, Amazon, Apple, Microsoft, Spotify, Netflix, and Facebook—were not built on the premise of making billions. They were founded on ideas and visions to solve real-world problems.

These companies and their founders started with one mission: create something meaningful. They weren’t chasing a billion dollars—they were chasing a solution.

Google: A Search Engine, Not an Ad Revenue Generator

When Larry Page and Sergey Brin launched Google in 1998, they didn’t set out to create a money-making machine based on advertisements. The original goal was simple: to build a search engine that helped people find relevant information easily. The internet was growing rapidly, but users had no efficient way to find what they needed. Google solved this problem by creating a fast, reliable search engine focused on delivering the best results based on relevance, not profitability.

As Google evolved, it integrated advertisements, but customer satisfaction remained at its core. Their motto, “Focus on the user and all else will follow,” demonstrates their belief that solving user problems is more important than immediate financial gain. Google’s investments, like those in YouTube and Android, further showcased their long-term vision, focusing on creating an ecosystem where users had seamless access to information, videos, and mobile platforms.

Amazon: Making Books Accessible, Not Profits on Transactions

Similarly, Jeff Bezos didn’t launch Amazon to make money from each transaction. In its early days, Amazon was a humble online bookstore aiming to make it easier for people to find and purchase books without trekking from shop to shop. It was a customer-first approach. Bezos was obsessed with solving the issue of accessibility, not the dollar margin on each sale.

As Amazon grew beyond books into an everything-store, the fundamental principle stayed the same: customer obsession. Bezos once said, “We’re not competitor-obsessed, we’re customer-obsessed.” It was always about making products accessible and improving the shopping experience.

Amazon’s expansion into cloud computing (AWS), which now powers businesses like Netflix and Spotify, wasn’t a cash grab—it was another way of solving a new problem: providing scalable infrastructure for startups and enterprises. The interconnected nature of these businesses is a testament to how Amazon’s customer-first strategy created platforms that benefit countless other companies.

Apple: A Computer for the Rest of Us

When Steve Jobs and Steve Wozniak founded Apple in 1976, they weren’t dreaming of market dominance or financial success. They were driven by the idea of building computers for the rest of us—machines that were affordable and easy to use. Back then, computers were seen as tools for businesses or tech enthusiasts. Apple changed that by creating user-friendly, beautifully designed computers that could sit on anyone’s desk.

Jobs often emphasized, “Stay hungry, stay foolish,” a reminder that entrepreneurship is about chasing bold ideas rather than profits. Apple’s success wasn’t just about innovative technology—it was about a commitment to design, usability, and creating tools that would change the way people interacted with technology.

The launch of products like the iPhone, iPad, and Mac redefined industries, and their continuous investments in music (iTunes) and streaming (Apple Music) connected them with companies like Spotify, changing the way people consumed media globally.

Microsoft: Empowering People, Not Just Businesses

Bill Gates and Paul Allen founded Microsoft to empower people by making computers accessible to everyone, not just businesses or technologists. Their mission was to create software that simplified computing for the masses, starting with the development of Windows, a revolutionary operating system.

For Gates, success was about learning from customers and improving the product. “Your most unhappy customers are your greatest source of learning,” he famously said. Microsoft’s contribution to personal computing wasn’t about creating a billion-dollar company; it was about building software that made computers user-friendly and approachable.

Microsoft’s strategic investment in companies like LinkedIn and its focus on enterprise solutions and cloud services through Azure have solidified its role in empowering both individuals and businesses, often creating synergies with companies like Facebook and Amazon AWS.

Spotify: Music for Everyone, Not Just Profits

When Daniel Ek co-founded Spotify, the music industry was in turmoil, rife with illegal downloads and fragmented revenue streams for artists. Ek wasn’t trying to build a billion-dollar streaming empire; he was trying to solve a very real problem: make music accessible while ensuring that artists got paid.

Spotify’s mission has always been about creating value for both listeners and creators. As Ek put it, “Our job is to make the best of our time on this planet.” Spotify redefined the music industry by changing how music was distributed and consumed, introducing freemium and subscription models that allowed users access to millions of songs while ensuring artists were compensated.

Spotify now relies on infrastructure like Amazon AWS to handle its massive user base, showcasing how these companies interconnect to bring services to life.

Netflix: Entertainment Redefined

Reed Hastings founded Netflix not to dominate the entertainment industry but to solve a simple problem—people hated paying late fees for DVD rentals. Netflix revolutionized movie rentals by offering a subscription model that let people rent movies without worrying about returning them on time.

When Hastings transitioned Netflix into a streaming platform, he redefined how people consumed content. It wasn’t about profit margins; it was about improving the user experience. Netflix now delivers billions of hours of content to subscribers worldwide, all while leveraging cloud services like Amazon AWS to power its platform.

Hastings understood that true success comes from focusing on the customer experience, which is why Netflix invested in original content and cutting-edge technology to stream across the globe.

Facebook: Refusing to Sell for Short-Term Gains

When Mark Zuckerberg turned down a $1 billion offer from Yahoo to buy Facebook in its early days, many thought he was making a mistake. Several of Facebook’s top executives even left, convinced that Zuckerberg was getting it wrong. But Zuckerberg wasn’t focused on a quick sale; he was playing the long game.

Facebook was never built for quick profit—it was about helping people connect with each other in ways that were previously unimaginable. Zuckerberg believed in Facebook’s potential to transform communication, which is why he refused to sell early on. His decision paid off, and today, Facebook is one of the world’s most valuable companies.

Zuckerberg’s long-term vision mirrors that of other visionary entrepreneurs like Jobs and Bezos. His acquisitions of Instagram and WhatsApp further interconnected Facebook with the broader tech ecosystem, much like how Google and Amazon have expanded into various industries.

The Infinite Game: Focus on the Journey, Not the Endgame

All of these entrepreneurs—Page, Brin, Bezos, Jobs, Gates, Ek, Hastings, and Zuckerberg—were playing what Simon Sinek calls the infinite game. They didn’t chase short-term wins or profits. They were focused on solving problems and improving lives. As Sinek put it, “The first criterion to being a leader is you have to want to be one.” These leaders didn’t give up when things got tough—they pushed forward, driven by their visions.

This mindset is what allowed these companies to interconnect and invest in each other’s success, creating a web of partnerships and innovations that reshaped industries.

Conclusion: Chasing Purpose, Not Profit

They got it all wrong. Entrepreneurship was never about billion-dollar valuations. It has always been about solving real problems, adding value, and improving people’s lives. The success stories of Google, Amazon, Apple, Spotify, Netflix, Microsoft, and Facebook are proof that when you focus on creating solutions, financial success often follows.

Entrepreneurship is about the journey, not the destination. These entrepreneurs showed that solving real problems and playing the infinite game leaves a far greater legacy than chasing a quick payday.

The Tech Alchemy of Product Management

In today’s fast-paced world of business and technology, it’s easy to fall into the trap of believing that certifications alone define your capabilities as a project or product manager. Over the years, I’ve completed certifications like the Google Project Management via Coursera and earned my CSPO (Certified Scrum Product Owner) via Scrum Alliance. I’ve also taken few micro-certifications. While these courses taught me valuable knowledge about tools, frameworks, and methodologies, the truth is, project and product management goes far beyond certifications.

These programs helped me understand the core elements and gave me exposure to important practices in the industry. However, I truly mastered these skills only by getting my hands dirty, leading teams, and solving real-world challenges. I’ve realized that project and product management can’t be entirely taught in a classroom—it’s about leadership, handling tough situations, and making decisions when everything’s on the line.

Leadership Over Certifications

Being a project or product manager is more about leadership than technical expertise. Leadership is a skill that isn’t granted by a certificate; it’s developed through experience. Some people excel in technical skills but struggle with leadership, while others naturally have the ability to inspire, organize, and lead without formal training.

Simon Sinek, a leadership expert, illustrates this well with his example from the Marine Corps. He explains that potential officers undergo six weeks of intense training where they can quit at any time. This training is designed to weed out those who don’t want to be leaders. As Sinek puts it, “The first criterion to being a leader is you have to want to be one.” Leadership is tough—it can be thankless, lonely, and incredibly challenging. But in project and product management, it’s what makes the difference between success and failure.

One thing I’ve learned from my experiences is that no certification can prepare you for the real-world challenges you face in the field. For instance, I once led a project demonstration where everything seemed perfect—until the solution failed due to an unexpected angle of sunlight affecting the camera. This was something we hadn’t encountered before, and no textbook or course could have prepared me for the heat of that moment, both literally and figuratively. I had to accept the failure gracefully and quickly think on my feet, acknowledging the problem while managing the client’s expectations, all while battling my own internal guilt.

Balancing Personal and Professional Commitments

Being a project manager often requires balancing personal and professional responsibilities—another aspect no certification can fully prepare you for. I remember a time when my employer used me as an example of dedication to others because I traveled across the country for a work commitment the day after my wedding. This might seem extreme to many, but I had made a commitment well before my marriage date was set. It was my responsibility to manage both my personal and professional commitments, and I did so by discussing it with my family and gaining their support rather than walking away from the commitment.

Leadership in project and product management often means making these tough calls—balancing your time, keeping your promises, and staying accountable, no matter how challenging the circumstances.

Practical Experience vs. Theoretical Knowledge

It’s easy to say things like, “know your customer” or “interview your users,” but putting these principles into practice is much more difficult. During one project, I found myself standing next to an attendance device at a hospital, observing how random person interact with the device and how staff used it to clock in and out. On the surface, this might sound simple, but the discomfort of standing there as a stranger, taking mental notes on behavior, is not something a certification teaches you. It’s the hands-on learning and the real-time observations that help you understand your customer in ways a classroom cannot. A funny aspect, a guest used this device to many times on different days to comb hair.

Another time, I launched a solution for a client whose business handled thousands of dollars in weekly transactions. The pressure of ensuring nothing went wrong was immense. I couldn’t sleep or eat, not because it was part of my job description, but because I knew the stakes were incredibly high. I stayed awake, monitoring every detail, even though I wasn’t being paid for those extra hours. Certifications can teach you how to plan for a launch, but only experience can prepare you for the reality of it.

Leadership in High-Stakes Situations

Leadership is about how you handle pressure, especially when things go wrong. Simon Sinek often speaks about leadership as the responsibility to help those around you rise, even when it’s hard. Leadership isn’t about delegating tasks or following a checklist—it’s about stepping up when the stakes are high and taking responsibility for the outcome.

No certification prepared me for the time when I was in front of a room of clients, sweating both from the physical heat and the internal pressure, when a solution failed due to a reason no one could have foreseen. Leadership, not certification, is what allowed me to remain calm, accept the failure, and offer a plan for improvement.

Handling Unique Challenges

Every project brings its own set of unique challenges, and learning by doing is the only way to normalize those experiences. Certifications are useful for providing a foundation, but it’s the real-world situations that truly shape you as a manager. Whether it’s troubleshooting technical failures on the fly, balancing personal and professional commitments, or standing by a solution you launched while facing the risks, the true essence of project and product management lies in how you navigate uncertainty and lead in moments of crisis.

Conclusion: Experience Over Certification

In the end, while certifications like the Google Project Management Course or CSPO have given me valuable tools, the reality is that project and product management is about leadership, not certificates. It’s about having the ability to make tough decisions, take responsibility, and guide a team through unexpected challenges. Certifications provide a strong foundation, but leadership is something you develop through practice, persistence, and navigating real-world challenges. Leadership is a skill anyone can learn, but it’s only mastered through experience. As a project or product manager, your real growth happens when you’re in the field, handling situations no certification could have ever predicted.