Muhammad Bilal Zafar Editor

Muhammad Bilal Zafar is Senior Lecturer in Islamic Economics and Finance at Universiti Teknologi Malaysia. He holds a PhD from the University of Malaya and is an AAOIFI Certified Shariah Advisor and Auditor. His research interests include human capital, sustainability, climate risk, machine learning, AI, NLP, and financial disclosure. His scholarship applies advanced empirical and computational methods to examine institutional performance, governance, and development in Islamic finance.

Hussain Mohi-ud-Din Qadri is Deputy Chairman of the Board of Governors and Professor at Minhaj University Lahore, and Senior Fellow at the University of Melbourne. He holds a PhD in Economics from Victoria University. His work focuses on Islamic economics, banking, Shariah governance, business ethics, halal certification, microfinance, and institutional development. He has led major academic, social, and research initiatives and chairs the World Islamic Economics and Finance Conference.

Hassnian Ali is affiliated with Hamad Bin Khalifa University, Qatar, and serves as Assistant Director of Research at the International Centre for Research in Islamic Economics, Minhaj University Lahore. His expertise includes Islamic fintech, blockchain, digital finance, CBDCs, Shariah governance, microfinance, product development, and emerging technologies. His research and consultancy connect financial innovation with Shariah-compliant digital transformation and future skills development.