Curriculum Vitae

DR. SITI HAWA BINTI YUSOF

Senior Lecturer
  • Department of Finance
    Faculty of Business and Economics
  • sitihawa.yusof
  • 03-79677022

AREAS OF EXPERTISE

  • FINANCIAL REGULATION, STANDARDS AND REPORTING (INCLUDING ACCOUNTING THEORY, STANDARD-SETTING PROCESS, FINANCIAL REPORTING IN PRIVATE AND PUBLIC SECTOR ORGANISATIONS)
    Applied Social Science And Humanities, Accounting, Specialist Topics In Accounting
  • DIGITAL FINANCE
    Applied Social Science And Humanities, Banking, Finance And Wealth Management, Banking And Finance
  • FINTECH
    Applied Social Science And Humanities, Banking, Finance And Wealth Management, Specialist Topics In Banking, Finance And Wealth Management

ACADEMIC QUALIFICATION

  • M.Sc. (Dist.) Law & Fin.: Law & Fin. Reg., (Science)
    Queen Mary, University of London
  • PHD IN FINTECH, CRYPTOCURRENCY AND BLOCKCHAIN, (FINTECH, CRYPTOCURRENCY AND BLOCKCHAIN)
    Monash University (sunway Campus)
  • B.Sc. (Accounting & Finance), (Accounting & Finance)
    London School of Economics & Political Science

ADMINISTRATIVE DUTIES

  • Curriculum Review
    26 Mar 2025 - 05 Mar 2028 (Department of Finance, Faculty of Business and Economics)
  • Coordinator
    01 Sep 2025 - 31 Aug 2027 (Faculty)

MEMBERSHIPS

  • MALAYSIAN INSTITUTE OF STATISTICS (ISMY), MEMBER
    Since 2025 (National)

AWARD AND STEWARDSHIP

  • Gold Award
    2025, Universiti Tun Hussein Onn Malaysia (UTHM),  (International)
  • Gold Award
    2024, Universiti Sains Islam Malaysia (USIM),  (National)

PUBLICATIONS

Article in Journal
  1. Farouk, F. M., Siew, E. G., & Yusof, S. H. (2024). Overcoming resistance to change in a big data analytics implementation case study. Journal of Information Technology Teaching Cases, 20438869231226395.
  2. Zhao, S., Chang, Y. F., & Yusof, S. H. (2024). The analysis of success factors for job seekers among Chinese university graduates based on social career cognitive theory. Journal of Chinese Human Resources Management, 14(2), 112-130.
  3. Mustapha, I., Vaicondam, Y., Jahanzeb, A., Usmanovich, B. A., & Yusof, S. H. B. (2023). Cybersecurity Challenges and Solutions in the Fintech Mobile App Ecosystem. International Journal of Interactive Mobile Technologies, 17(22).
Chapter in Books
  1. Alwi, S., Ibrahim, H. M., Yusof, S. H., & Alpandi, R. M. (2024). Interlocking Directorates and Sustainability: A Bibliometric Analysis and Research Opportunities in Fintech. Information and Communication Technology in Technical and Vocational Education and Training for Sustainable and Equal Opportunity, 437-444.
Other Publications
  1. M. Farouk, F., Yusof, S. H., Suresh Philip, S. S., & Soh, K. (2025). Youth Behaviour, Financial Vulnerability, and BNPL in Malaysia: Policy Directions for a Responsible Consumer Credit Ecosystem. - Policy Paper
  2. Yusof, S. H. (2005). Of forests and floods. um+. https://www.umresearchplus.com/of-forests-and-floods/ - Mass Media(newspaper,radio,tv,popular Magazine)
  3. Yusof, S. H. (2025). From forest to flood: How lost biodiversity shows up in your wallet. Malay Mail. https://www.malaymail.com/news/what-you-think/2025/12/17/from-forest-to-flood-how-lost-biodiversity-shows-up-in-your-wallet-siti-hawa-yusof/202189 - Mass Media(newspaper,radio,tv,popular Magazine)
  4. Yusof, S.H. (2023, May) Blockchain: A Game-Changer for Financial Inclusion and Poverty Alleviation, Bernama. https://bernama.com/en/thoughts/news.php?id=2192137 - Mass Media(newspaper,radio,tv,popular Magazine)
  5. Yusof, S.H. (2022, August). Fostering financial inclusion through digital banking in Malaysia, The Edge newspaper. Article link: https://www.theedgemarkets.com/content/advertise/fostering-financial- inclusion-through-digital-banking-malaysia - Mass Media(newspaper,radio,tv,popular Magazine)

RESEARCH INTEREST

  • Fintech, blockchain economics, financial inclusion, financial regulation (Fintech, blockchain, financial inclusion, financial regulation)

RESEARCH PROJECT

Private
  1. 2023 - 2025, Taylor's Internal Research Grant Scheme - Impact Lab Grant
    Financial Responsibility and BNPL: Understanding Malaysian Young Adult s Consumption Behaviour ( Co-Researcher)
University
  1. 2025 - 2028, University Grant
    Centre for Research on Social and Sustainable Entrepreneurship (CReatE)?stimulate greater interest in social and sustainable entrepreneurship (SSE) ( Co-Researcher)
  2. 2025 - 2027, Bantuan Khas Penyelidikan (BKP Special)
    Innovation in Sustainability Disclosure and Climate Strategy: Exploring a Malaysian Index for Sustainable Finance ( Principal Investigator(PI))
  3. 2025 - 2026, University Grant
    Digital Finance Developments in Malaysia: An Integrated Multi-perspective Approach ( Co-Researcher)
  4. 2025 - 2026, University Grant
    Big Data, Small Business: AI-Driven Financial Intelligence and Digital Transformation for Malaysian SMEs ( Principal Investigator(PI))
  5. 2025 - 2026, University Grant
    Exploring Biodiversity, Climate Risk and Financial Market Integration: Evidence across Developed and Emerging Economies ( Principal Investigator(PI))

PAPER PRESENTED

ORAL PRESENTER
  1. BlockChain Technology Application to the Banking Sector, 2023 International Conference on Artificial Intelligence and Smart Communication (AISC), IEEE (International) (27 Jan 2023 - 29 Jan 2023)
  2. Exploring the Interdependence and Contagion Effect in the Cryptocurrency Market: A Wavelet Approach, 2nd UWA Blockchain, Cryptocurrency and Fintech Conference, Perth, University of Western Australia, Perth (International) (05 Aug 2019 - 06 Aug 2019)
POSTER PRESENTER
  1. From Foe to Friend: Transforming Case-Based Learning through Ethical AI Collaboration and the THRIVE of Student Engagement and Critical Thinking, Kongres dan Pertandingan Inovasi dalam Pengajaran dan Pembelajaran (kNovasi) 2025, Universiti Kebangsaan Malaysia (International) (10 Sep 2025 - 11 Sep 2025)

ACADEMIC/ PROF. SERVICES

Mentoring
  1. (2025) Hsbc Business Case Competition Asia Pacific Finals, Hong Kong, International, (Mentor)

SUPERVISION

Postgraduate Student
PhD/ Doctoral
  1. (2025) THE IMPACT OF DIGITAL TRANSFORMATION ON ASSET PRICING MODELS, ZHANG YILAN
  2. (2022) AN ENHANCED PATH ANALYSIS APPROACH BASED ON MACHINE LEARNING FOR JOB-SEARCHING OUTCOME PREDICTION IN CHINESE UNDERGRADUATES, Zhao Shuyi (Taylor's University)

TEACHING

Master
  1. (2024) CQC7017 - Corporate Finance
Bachelor
  1. (2024) CIX2001 - Financial Management
  2. (2024) CIC2004 - Investment Management

COURSE ATTENDED

Internal/ External Course
  1. CN-2025 NOVEMBER ELEVATE: ASIA PACIFIC AACSB CONFERENCE AND AOL STRATEGIES FOR IMPACT, HOPEWELL HOTEL, HONG KONG (17 Nov 2025 - 21 Nov 2025)
  2. MASTERCLASS - RE-DESIGNING T&L USING AI, UNIVERSITI MALAYA (28 Jul 2025 - 28 Jul 2025)
  3. ADVANCING SCHOLARS IN CAREER DEVELOPMENT AND EDUCATION (ASCEND) S2/2025, BILIK SENAT, UNIVERSITI MALAYA (07 Apr 2025 - 18 Apr 2025)