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.

Mohd Anuar Ramli. He was born and raised in Kampong Air Putih, Junjong, Kulim, Kedah, Malaysia on 26th November 1976. The ninth children of almarhum Haji Ramli Ismail and almarhumah Hajah Sofiah Ariffin. Mohd Anuar received early education in Sekolah Kebangsaan Junjong (1982-1988), then continued secondary education in Sekolah Menengah Agama Tarbiyah Diniah, Kulim, Kedah (1989-1994), pre-university in Nilam Puri (1995-1997), subsequently earned his bachelor’s degree in Syariah (Fiqh & Usul) (1997-2000), master’s degree (2001-2004) and doctorate degree (2005-2010) in Universiti Malaya. He has been serving in Jabatan Fiqh & Usul (Department of Fiqh and Usul), Akademi Pengajian Islam (Academy of Islamic Studies) Universiti Malaya as a temporary lecturer since 2004 and now as a senior lecturer after finishing his doctorate study under Skim Latihan Akademik IPTA (SLAI) in 2010. Mohd Anuar’s areas of expertise are Fiqh of Culture, Fiqh of Gender, Fiqh of Consumerism and other related fields in Islamic studies. He has been teaching Introduction to Shariah, Fiqh of Culture, Fiqh of Consumerism, Fiqh of Worship (Ibadah), Maktabah Shariah and Research Methodology. He produced almost 40 postgraduate master’s and doctorate students and received numerous research grants from both internal university and external fund. Mohd Anuar has published almost 200 articles, chapters in books and conference papers in various categories either in the international or local level. The published writings cover diverse areas, such as custom and culture, gender, halal and consumerism, religious extremism and terrorism, contemporary fiqh and Malaysian society. He is always enthusiastic to serve as a versatile scholar that masters numerous fields and learns to explore new research area in Islamic studies framework. Mohd Anuar loves travelling to appreciate the beauty of panoramic nature and cultures of society as well as to enhance life experience and perseverance.

Dr Norazlin Ab Aziz joined the Department of Finance & Banking in the Faculty of Business & Accountancy in early 2021 to share her knowledge and expertise in Islamic finance and economics. Prior to this, she was in the unit trust industry involved in legal & compliance, marketing & business development, and project management. Norazlin obtained her Bachelor of Economics (Hons) from the International Islamic University of Malaysia, Master of Economics from the University Malaya and later completed her PhD in Accounting & Finance at the University of Glasgow. In her doctoral research, she critically examined the development of Islamic finance in Malaysia, theorising it through the trio of Political Economy Theory comprising Legitimacy, Stakeholder and Institutional theories. The underlying sentiments and the styles of Malaysian policymakers’ speeches were also assessed. Norazlin draws from a broad base in Islamic finance, the components of Islamic capital market, political economy, social theories, and linguistic analysis, to understand and critically evaluate the processes therein. This indicative of her research interest in Islamic finance from a policymaking perspective, products and services in the Islamic capital market, the future direction of the Islamic finance industry as well as the usage of computer-aided text analysis in business reporting and documents.