Dr. Syakirah Rifa’in@Mohd Rifain is a Senior Lecturer for Department of Arabic and Middle Eastern Languages at the Faculty of Languages and Linguistics, UM. She graduated from Islamic Science University of Malaysia in Arabic Language and Communication Studies. She obtained her Master in Modern Language Studies in Arabic Language, Universiti Malaya. She completed her PhD in Arabic Language at Faculty of Languages and Linguistics, UM. Her research interest area includes Balaghah, Pragmatic and Semantic. Currently, she is involved in research related to Arabic for Specific Purpose in University Malaya.

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.

Dr. Lee Zheng Yang is a registered pharmacist and currently serves as a Lecturer in the Department of Pharmaceutical Chemistry at Universiti Malaya. He holds a Ph.D. in Pharmaceutical Sciences from Taylor’s University, where his research focused on drug discovery and the chemical synthesis of bioactive compounds. Before joining academia, Dr. Lee practiced in the retail pharmacy setting, where he delivered pharmaceutical care and gained first-hand insights into patient behavior, medication compliance, and the commercial dynamics driving pharmaceutical sales. This experience strengthened his ability to bridge the gap between pharmaceutical science and real-world pharmacy practice. He has published in peer-reviewed journals and presented his work at both local and international conferences. Dr. Lee is committed to advancing research in drug development and chemical synthesis, while also contributing to high-quality pharmacy education and preparing future pharmacists for both clinical and commercial challenges.