Dr. Mosharrof Hosen is currently an assistant professor of UCSI University, Malaysia. He received the PhD in Knowledge Management from PhD in Knowledge Management, the Master of Science in Islamic Finance from International Centre for Education in Islamic Finance, Kuala Lumpur, Malaysia, and the Bachelor of Business Administration in Finance and Banking from International Islamic University Chittagong, Bangladesh. His research interests include: Corporate governanceRisk management, Financial Technology (FinTech), Artificial Intelligence (AI), Higher Education, Social Media, Blockchain, Islamic Banking and Finance

Abdullahi Garba Usman is currently working at Near East University, TRNC. Abdullahi does research in Chromatography, Artificial Intelligence, Machine Learning, Standardization of phytochemicals, Herbal products, Water Security, Membrane and Destination, Wastewater, Water Quality, Water Resources, Hydro-Environmental Modeling, and Simulation, Chemometrics, Theoretical chemistry, Seperation science, Pollution Control, Climate Change and Sustainable Development.