As an academician and researcher at the University of Malaya in Kuala Lumpur, Malaysia, I bring a strong passion and expertise to the fields of Digital Financial Literacy and Behavioral Finance. My research delves into the intersection of financial knowledge and behavior, especially in the context of digital finance, where I aim to empower individuals and communities with the tools and insights necessary to make informed financial decisions. With a robust foundation in quantitative analysis, I specialize in advanced statistical methods and data interpretation, ensuring that my research provides actionable insights backed by rigorous methodology. My commitment to financial literacy is not only academic but also driven by a broader mission to enhance financial capability among youth, young adults, and underserved communities, aligning with Sustainable Development Goals (SDGs) related to financial inclusion and economic growth.Core Competencies: - Quantitative Data Analysis & Research Methodology - Behavioral Finance & Financial Literacy (Digital) - Financial Inclusion & Economic Empowerment - Academic Lecturing & Mentorship I welcome connections with fellow researchers, industry professionals, and organizations interested in collaboration, consultancy, and impactful research projects. Let's connect to advance financial literacy and foster economic empowerment together.

Shalini Nadaswaran holds a PhD in English specializing in African Women's Literature from the University of New South Wales, Sydney, Australia (UNSW). Her PhD was supervised by eminent postcolonial expert, Professor Bill Ashcroft, exploring Igbo women writers and contemporary Nigeria. She completed her Bachelor of Arts in English and Master of Arts in English at the English Department, University of Malaya. Her research interest considers the constant evolving representations of women in local and global spaces. She is currently a Senior Lecturer with the English Department, University of Malaya and has worked on a research project which examines cultural formations. She has published in the field of African literature and women’s literature in journals such as African Literature Today, Matatu, Wasafiri and Tulsa Studies in Women’s Literature. She has also contributed book chapters to various book projects. She serves as a peer reviewer for a number of journals, two of which are ISI and Scopus cited. While her primary focus falls under the remit of African (Women’s) literature, she also has additional interests in research that explores modern day slavery, literature and injustice, and the figure of the ‘child’ in postcolonial literature. She welcomes research students working on any area in women’s literature, African literature and postcolonial women’s literature to contact her.

Dr. Ainol Haniza Kherul Anuwar is a dental lecturer at Department of Community Oral Health & Clinical Prevention, Faculty of Dentistry. She had vast experience in Oral Health Care Service Delivery while working under the Oral Health Programme, Ministry of Health, Malaysia prior to her appointment as dental lecturer. She was also part of the Malaysian Health Technology Assessment Section, Ministry of Health, Malaysia where she actively involve in conducting systematic reviews and developing evidence-based clinical practice guidelines which was mainly used as evidence to inform the decision-making in the Ministry of Health, Malaysia. Her current research interests are Health Economic, Health Policy & Health System, as well as Evidence-based Dentistry.