Nikolay Nikov was born in 1977. After a dynamic carrer in London’s City, Nikolay Nikov returns to Bulgaria and worked for CIBANK, Member of KBC Group, Sofia as a Head of Department Specialized Financing till July 2012. He has studied International Business in Richmond, the American International University and Insurance and Risk Management in City University Business School in London. During his educational period he launched the initiative of actively professional writing of articles with focus on popular economic and management theories, which gradually turned into his passion. In the professional CV of Nikolay Nikov, are included positions such as Investment Officer in SME Department of Bulgarian American Credit Bank (BACB), Sofia. Major Account Co-ordinator in Multinational Insurance Programs Division of AIG Europe (UK) Limited, London