Dr Amirah Shazana Binti Magli is a researcher and consultant dedicated to advancing financial well-being, literacy and digital inclusion. Her work focuses on how behavioural insights and emerging technologies such as AI and FinTech can support household resilience and inclusive growth. She has joined several national studies on financial empowerment and digital transformation for low-income and youth communities, in collaboration with ministries including MOSTI, MITI and the Ministry of Digital. Beyond Malaysia, she works closely with Universitas Sebelas Maret (UNS), Indonesia, on comparative research exploring FinTech adoption and financial resilience across ASEAN contexts. With a foundation in Family Economics and Management, Dr Amirah is deeply committed to translating research into real social impact. She contributes actively through financial literacy initiatives, community workshops and policy dialogues. Guided by a belief in empowerment through knowledge, her work seeks to build a more financially resilient and digitally inclusive society.

Azah Anir Norman is an associate professor and currently the Chief Digital Officer, Universiti Malaya (UM), Malaysia. She earned her undergraduate degree at Universiti Kebangsaan Malaysia (UKM) and her master's degree in electronic commerce security from Royal Holloway University of London in the UK in 2004. She completed her Ph.D. from the University of Malaya (UM) in 2014. She specializes in information security management systems (ISMS), secure applications for ICT, privacy and human elements in security, information security governance, security on social platforms, and e-commerce security. She is also very interested in topics pertaining to Islamic ICT (such as Halal and Quran Authentication), Design Thinking, and Teaching & Learning Innovations. Azah Norman published numerous academic papers in reputable ISI and SCOPUS publications in the fields of information security governance, information security management, information security systems, information security & trust, information security & privacy, information security education awareness, information security & assurance, and information security policy & governance. Before entering the academic world, she worked as a Consultant at MSC Trustgate.com, a subsidiary of MDEC and a partner of VeriSign Inc. in the USA. In Trustgate, she provided Internet Security implementation consultation to numerous top 500 companies. Prior to becoming the consultant at Trustgate, she experienced working at VeriSign Inc. in Silicon Valley, San Jose, California, in 2001. As a specialist in information security management systems, she is also part of an expert in the working group WG/G/5-1 Information Security Management System, Department of Standards, Malaysia, and the International Organisation for Standardisation (ISO). She belongs to the Association of Information Systems (AIS) and the MyAIS (AIS Malaysia Chapter), an organization that promotes excellence and knowledge progress in the field of information systems research and practice.  She is also a secretary at the Cybersecurity Academia Malaysia Association (CSAM), a national association that promotes cybersecurity teaching, awareness, and research in Malaysia. She received a prestigious award from the Royal Academy of Engineering of the United Kingdom (RAENG) as the Leader of Innovation in 2018.    

Noorzaily Mohamed Noor currently a Lecturer at the Department of Computer System, Faculty of Computer Science and Information Technology (FCSIT), University of Malaya, Malaysia. He received his BSc degree in Physics and Master in Computer Science degree from the University of Malaya, Malaysia, in 1996 and 2000 respectively. His research interests are Internet of Things, Image Processing, Embedded System and Optimization Algorithm. He also a members of FCSIT’s IoT group research.