The Malaysian Independent Bank (or MIB) is unique in that it barely has any physical world presence, doing nearly all of its operations online. Its physical presence is limited to a mailbox and some computer servers, and supposedly it is “headquartered” in Kuala Lumpur, Malaysia. Its CEO is Zeta Ahmad Aziz (son of the original founder of the MIB). It follows Islamic law in relation to money-lending, resulting in asset-trading as the basis of its lending.