Lu Ming Pey
* Corresponding Author
Universiti Utara Malaysia (UUM)
Malaysia

Lu, Ming-Pey holds the position of Senior Lecturer at the School of Economics, Finance and Banking, Universiti Utara Malaysia. She earned a Bachelor of Business Administration (Finance) in 2006 from Universiti Malaya, a Master of Science (Banking) in 2010 from Universiti Utara Malaysia, and a Ph.D. in Finance in 2017 from Universiti Sains Malaysia. Her research interests include banking, financial economics, and capital markets. She has published in Business Strategy and Development, Journal of Financial Services Marketing, Jurnal Ekonomi Malaysia, International Journal of Business and Society, and International Journal of Banking and Finance.

Author’s contact detail: Address:- ; phone number:- ; Email: lu.ming.pey@uum.edu.my

Zunarni Kosim
Universiti Utara Malaysia
Malaysia

Kosim, Zunarni holds the position of Senior Lecturer at the School of Economic, Finance and Banking, Universiti Utara Malaysia. She earned her Bachelor of Business Administration (Hons.) (2005) from Universiti Utara Malaysia, her Master of Science (Management) (2009) from Universiti Utara Malaysia, and her Ph.D. in Banking (2017) from Universiti Utara Malaysia. She also holds a Diploma in Business Stud- ies (1992) from UiTM Segamat, Johor. Her research interests include digital finan- cial inclusion, financial wellbeing, consumer behaviour in financial services, banking performance, corporate finance, household indebtedness, and Islamic wealth accumulation. She has published in reputable journals such as the International Journal of Banking and Finance, Jurnal Ekonomi Malaysia, Journal of Financial Services Marketing, Asian Economic and Financial Review, Investment Management and Financial Innovations, International Journal of Applied Business and Economic Research, International Journal of Academic Research in Business and Social Sciences, and others.

Author’s contact detail: Address:- ; phone number:- ; Email: zunarni@uum.edu.my

Yong Kang Cheah
Universiti Utara Malaysia
Malaysia

Cheah, Yong Kang is an Associate Professor at the School of Economics, Finance and Banking, Universiti Utara Malaysia. He earned a Bachelor of Social Sciences (Economics) in 2009 and a Master of Economic Management from Universiti Sains Malaysia in 2010 and his Ph.D. in Health Economics in Universiti Malaya in 2014. He was a Visiting Scholar at the Center for Health and the Social Sciences, the Uni- versity of Chicago. His research focuses on public health, specifically health behaviours, health economics, mental health and adolescent health. In addition, Yong Kang has expertise in the analyses of survey data. He has published in Socio-Economic Planning Sciences, Asian Economic Journal, and Social Science Journal.

Author’s contact detail: Address:- ; phone number:- ; Email: yong@uum.edu.my