Chong Yang CHUAH is Senior Lecturer at the Department of Chemical Engineering, University of Malaya (UM). He gained BE and PhD in Chemical Engineering from Nanyang Technological University (NTU), Singapore. His research is dedicated to the separation process with the use of adsorption and membranes in molecular-based separation process. Dr. CHUAH's professional qualifications include being a Chartered Engineer (C.Eng) since 2023, accredited by the Institution of Chemical Engineers (IChemE), United Kingdom. He is currently involved in reviewing the Individual Case Procedure (ICP) to access potential C.Eng applications submitted to IChemE. He also obtained his Professional Technologist (Ts.) status in 2022 from the Malaysian Board of Technologist, Malaysia. He has also received several certifications, namely HRD Corp Certified Trainer in July 2024 and Aspen Certified User in Aspen HYSYS in 2023.

Hutkemri Zulnaidi (Ph.D) is Associate Professor at the Department of Mathematics and Science Education, Faculty of Education, University of Malaya. He is specializes in mathematics education, technology in education, problem solving, assessment and measurement, statistics and quantitative research method. He is presently involved in several research projects on industrial revolution 4.0, lifelong learning, teaching innovation, learning support, burnout, soft skill, and teaching practices. He is also actively involved in research workshops statistical data analysis (SPSS, AMOS and Smart-PLS) and Research Methodology.

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.