Kartina comes with more than 20 years of People and Organisation consulting experience. She has been involved in complex transformational initiatives for various clients locally and regionally in broad industry sectors such as Financial services, Energy sector, Health care, Government and Public Sector. Her specialities include National human capital development, Organisation design, People governance, HR transformation, Social sustainability, Programme & Change management. This has given her both the breadth and depth of understanding for the business and ability to connect business results through creative people strategies

Yusniza is a Chartered Financial Analyst with more than 22 years’ experience across the financial services industry, particularly in the areas of strategic planning, policy development, economic regulation, and asset management. She has recently joined Cagamas as the Chief Strategy Officer to lead the strategic planning and research functions, and previously served as the Head of Corporate Planning & Strategy at the Securities Commission Malaysia where she worked on the formulation, development and implementation of SC’s 3-year business plan. She was also previously attached to Mavcom, Khazanah Nasional, Usaha Tegas and Permodalan Nasional Berhad.

Izlin is currently the Deputy Dean Research at the Faculty of Business and Economics, Universiti Malaya. She was formerly the Head of Department of Finance and Banking, as well as the Director for the Centre of Business Excellence (CBE@UM) at the faculty. She has also served as the Deputy Director at the International Institute of Public Policy and Management (INPUMA). Prior to academia, she was a corporate analyst at a multinational corporation. Izlin graduated with a BSc in Economics from the London School of Economics and Political Science, MSc in Investment Management from Bayes Business School, City, University of London, and PhD at Nottingham University Business School. She has published in indexed journals in areas such as international finance, microfinance, financial literacy, fintech and energy finance. She has also published several books including a financial literacy handbook for primary school students, a research-based book on consumer financial vulnerabilities, and recently a book on Fintech in Malaysia. Izlin has been appointed as consultant for several projects such as on financial literacy for primary schools and on economic enhancement programmes for public infrastructure projects. Her current research projects include financial literacy workshops for vulnerable groups including pensioners, migrant workers as well as students. She is also a corporate trainer for finance-related courses in corporate certification programmes.

Dr. Muhammad Aizat Zainal Alam is a Senior Lecturer at the Department of Economics, Faculty of Business and Economics, Universiti Malaya. He earned his Bachelor’s Degree in Actuarial Science from UniversitiTeknologi MARA, and obtained his Master’s Degree and Doctoral Degree from Universiti Malaya. Dr. Muhammad Aizat is also a Research Associate at SWRC. His main research area is on retirement, financial literacy and social protection. Dr. Muhammad Aizat has written several journal articles published in Expert Systems with Applications, Journal of Financial Counselling and Planning, and Academic Journal of Business and Social Sciences. Dr. Muhammad Aizat currently serves as an Associate Editor for the Institutions & Economies Journal. Prior to working at Universiti Malaya, Dr. Muhammad Aizat worked in the Securities Commission Malaysia (SC) as a Senior Executive, primarily responsible in researching on new products, as well as on the development of capital market regulations around the world.

Mohammad Mafrukhin Mokhtar is a dedicated professional with over 15 years of diverse experience in accounting, consulting, and research. His wealth of knowledge and skills led him to his current position as Head of the Research Development Department at Agensi Kaunseling dan Pengurusan Kredit (AKPK). Mafrukhin focuses his research endeavors on providing valuable insights for the development of financial education programs and supporting advocacy efforts to encourage sound financial management practices among Malaysian households and SMEs. The Universiti Teknologi MARA (UiTM) awarded him a First Class Bachelor’s degree in Finance and a Masters of Business Administration from the University Polytech MARA.

Abdul-Samad is an experienced professional, with over 15 years of experience within the Islamic Finance industry, primarily in the professional education space. He was a pioneering team member that was behind the establishment of the Chartered Institute of Islamic Finance Professionals (CIIF) in 2015 and served as Associate Director until 2021. His previous working experiences have included stints with HSBC Amanah, Bank Muamalat Malaysia Berhad, and INCEIF to name a few. He has also served as the Chairman for the Islamic Finance Professional Qualifications Structure (IFPQS) project which was developed by the Finance Accreditation Agency (FAA) and has also been a moderator for a few other events and forums. His education background covers a diverse range of disciplines, including a Bachelor of Laws from Brunel University (UK), the Chartered Islamic Finance Professional (CIFP) degree from INCEIF, and most recently he completed the Executive MBA (EMBA) programme with ESSEC Business School.

Dr. Nur Shuhada Kamarudin is a Senior Lecturer at the Faculty of Economics and Muamalat, Universiti Sains Islam Malaysia (USIM). She holds certification as an Islamic Financial Planner. Her research interests include personal finance, Islamic financial planning, financial literacy, business management, and digital marketing. She frequently speaks on these topics at community programs and actively collaborates on research grants with various agencies. Dr. Nur Shuhada earned her PhD in Finance from the University of Salford, UK, and a Master’s degree
in Muamalat Administration from USIM.

Dr. Rabihah Md. Sum is a senior lecturer in the Actuarial Science and Risk Management Program at the Faculty of Science and Technology, Universiti Sains Islam Malaysia. Her research interests include risk management, risk analysis, and decision-making under uncertainty. Rabihah holds a PhD in Actuarial Studies from Macquarie University, Sydney. She has two professional certificates: the Enterprise Risk Management Certified Professional from the Enterprise Risk Management Academy, Singapore, and the Advanced Certificate in Risk Management from The Academy of Risk Management Malaysia (ARiMM). She is a certified member of ARiMM and serves on the ARiMM examination and certification committee.

Nur Hafidzah Idris (PhD) is a senior lecturer in the Faculty of Business Management, Universiti Teknologi MARA (UiTM), Kampus Bandaraya Melaka, Malaysia. She has more than 15 years of experience teaching various finance courses, including Investment Management, Technical Analysis, and Corporate Finance. Her area of research focuses on household financial behaviour, financial literacy, and financial well-being.

Tan Lee Choon is a Bachelor of Economic in Finance student at Xiamen University Malaysia. He began investing and launched his e-commerce business at the age of 18, accumulating four years of investing experience, with a 40% return on investment (ROI) this year. His business has since grown into One Sourcingegy Trading Sdn Bhd, under the brand name Procurely Sourcing, providing clients with logistics and procurement solutions. Tan’s core research interests focus on ecommerce, financial literacy, and financial innovation, reflecting his commitment to understanding and shaping the future of these fields.

Aban Haq is the Head of Member Engagement and Project Management Office at the Alliance for Financial Inclusion, a global network of policymakers and regulators from more than 80 emerging markets and developing countries working towards inclusive finance for all. In her role, she also leads AFI’s strategic planning and is a member of AFI’s governance team. Aban is a senior professional with broad experience of over 20 years in international development. During her career, she has worked with a number of organizations such as the World Bank, DAI, Pakistan Microfinance Network and the International Growth Centre across areas of financial inclusion, innovation ecosystems, economic policy research, and women’s entrepreneurship. She has authored numerous studies and contributed to several high-level policy forums. She holds an MPhil in Development Studies from the University of Oxford, UK (2015) and an MA in Development Economics from Williams College, USA (2006).

Salena Ahmad, affectionately known as Sally, is a visionary social entrepreneur and the founder of SURI Inspirasi Sdn. Bhd., established in 2016. This dynamic social enterprise, accredited by the Ministry of Finance in 2020 is based in Klang, Selangor. Born out of Sally’s commitment to empowerment and sustainability, SURI is dedicated to uplifting single mothers and underprivileged women in Sg. Udang Klang by providing them with financial opportunities and essential life skills through creative sewing. To date, SURI has collaborated with a range of prestigious international and local brands, including Uniqlo, Levi’s, DHL, Grab, HLB, and PayNet. The enterprise has created full-time employment for 50 single mothers and has recently expanded its impact to Langkawi, Kedah. Here, SURI is extending its support to 100 additional B40 single mothers and underprivileged women, providing themwith new opportunities on the island.

Suhaimi Ali has 26 years of experience as a central banker. He currently oversees the Financial Development and Innovation, Islamic Finance, LINK and BNM Offices, as well as Financial Inclusion departments. Throughout his career with BNM, he has served in various areas which include financial sector development, regulation and supervision, strategic planning, consumer protection, market conduct, international negotiations digital and cyber strategies in IT services, as well as in the Governor’s Office. In his previous role as the Director of the Financial Development and Innovation, he was responsible for the development of the financial sector and payments systems, as well as to drive digital innovation within the sector. He also recently led the development of the Financial Sector Blueprint 2022 – 2026. Suhaimi Ali graduate from the University of Notre Dame, United States of America with a Bachelor of Business Administration (Accounting).

Tatiana Didier is a senior economist at the World Bank Group’s Inclusive Growth and Sustainable Finance Hub in Malaysia. Her expertise covers a broad spectrum of financial sector development topics, including financial inclusion, MSME financing, fintech, and sustainable finance. Tatiana has led multiple high-level policy engagements at national and regional levels, advising governments on expanding access to finance, harnessing fintech innovations while mitigating risks, and addressing the financial impacts of climate change, ensuring that resilience and sustainability are central to policy reforms. Tatiana is the lead author of several influential World Bank reports, including Boosting SME Finance for Growth: The Case for More Effective Support Policies and Unleashing Productivity through Firm Financing. Tatiana holds a PhD in economics from the Massachusetts Institute of Technology (MIT).

Anthony Ang is a seasoned lecturer and trainer with expertise in corporate management, risk management & insurance, investment, and financial planning. He has led numerous seminars for diverse organizations, including banks, government agencies, and universities like Universiti Malaya and Taylor’s University.

As a guest speaker, he has contributed to highprofile programs like the Financial Sector Talent Enrichment Programme (FSTEPS) and shared his insights on financial planning through RTM, Bernama and publications. Currently, Anthony advises PolicyStreet, a leading insurtech company, and manages his consultancy business, HISTRONG Consultancy Services. His past roles include assisting prominent corporate leaders and working with SMEs. Academically, he holds two MBAs and is a Registered Financial  Planner.

He also serves on the Malaysian Financial Planning Council as a Secretary and National Council member and contributes to various training and accreditation initiatives.

Dk Sri Joedianna is the Executive Director at the Managing Director’s Office. She oversees
the Corporate Planning and Development, Corporate Communications, and Financial Literacy in Brunei Darussalam Central Bank (BDCB). She has been with BDCB since its inception in 2011, starting at the Economics and Statistics Unit. She was in the committee who produced the Brunei Darussalam Financial Sector Blueprint (2016-2025) and she led the strategic plan secretariat team who produced BDCB 5 years Strategic Plan (2021-2025).

She is also a member of the secretariat of the National Financial Literacy Council in Brunei Darussalam. Prior to BDCB, Dk Sri Joedianna was with Ministry of Finance and Economy where she started as Finance Officer at the Brunei Currency and Monetary Board in 2003. She was seconded to the International Monetary Fund in the Asia and Pacific Department between 2010-2011.

Dk Sri Joedianna holds an MSc in Economics from the University of Manchester and completed her B.A. degree in Economics from Universiti Brunei Darussalam.

Joanne Yoong is an applied economist working at the intersection of behavioural economics and health and financial decision-making. She is the founder of Research for Impact, a research enterprise based in Singapore.

Dr Yoong also holds concurrent appointments at the University of Southern California’s Center for Economic and Social Research, the Center for Behavioral and Implementation Science at the National University of Singapore’s Yong Loo Lin School of Medicine, the Sim Kee Boon Institute for Financial Economics at the Singapore Management University, the London School of Hygiene and Tropical Medicine, the Civil Service College of Singapore and the RAND Corporation.

Dr Yoong received her Ph.D. in Economics at Stanford University as an FSI Starr Foundation Fellow after an early career in financial services, and her AB summa cum laude in Economics and Applied and Computational Mathematics from Princeton University.

Often referred as The Wealth Doctor, Adam Zubir is a licensed financial planner in a leading financial planning firm in Malaysia, while also holding a Bachelor’s Degree in Medicine from Queen’s University of Belfast, United Kingdom.

Combining his experiences in both medicine and finance over the past 15 years, he has been able to help over 30,000 individuals, especially working professionals and business owners. Dr Adam Zubir has nearly 1 million social media followers and has collaborated with numbers of universities, ministries such as MoF, MDTC, etc, and leading corporations including EPF, Bank Negara Malaysia, Bursa Malaysia, PNB, Security Commission, Maybank Berhad, and Petronas.

He created his own signature programs, namely “Master Your Riches”, “Unit Trust Society”, and “Saham Profit League”. Other than that, he has also written 3 books titled “Think Like The Rich”, “Golden Rule Of Investing”, & “Bullet Proof Against Scam”.

Farah Nabilah Wazer is an accomplished journalist and TV3 news anchor, starting her career in 2013 as a practical journalist at NTV7. Through hard work and dedication, she has risen to anchor Buletin Utama, Biz World, and Edisi 7. Known for her professionalism and journalistic integrity, Farah covers a broad range of topics, including politics, economics, and social issues, with a commitment to delivering accurate, well-researched news. She has also hosted the digital program NX Now under Media Prima’s digital arm and actively engages in podcasts and digital productions. In 2023, Farah hosted Imbasan 2023, reviewing key events of the year. Her journalism has been recognized with accolades such as Best English Report in 2017 at the Ministry of Health’s Media Awards.

Dr Imran Alvi (DPhil, MPhil, Oxon) is Chief Executive of Oxford Intellect, an Oxford-based institution focussed on the transfer of knowledge to the public and education sectors. Dr Alvi holds a PhD in Economics from the University of Oxford. He specialised at the post-graduate level in advanced econometrics and industrial organisation. His work on cultural nudging and behavioural economics is of direct relevance to SMEs, with cultural nudging examining the mechanics of decision making. His work with SMEs provides a robust approach to achieving policy making goals such as financial literacy and financial management. Dr Alvi has held a diverse range of roles including visiting Senior Asst. Professor at Universiti Teknologi Brunei; UK Census Advisory Group; International Editor at JEEIR; Honorary Research Fellow at the Markfield Institute (UK); and Director of Education at the oxford-based start-up Al-Birr Chief Executive Education.

Muhd Firdaus Azharuddin is the CEO of the National Entrepreneurship Institute (Institut Keusahawanan Negara, INSKEN), an agency under Kementerian Pembangunan Usahawan & Koperasi (KUSKOP) where he plays a pivotal role in empowering micro and informal entrepreneurs across Malaysia. With over 20 years of experience in oil and gas, logistics, and property development, Firdaus is deeply committed to supporting small business owners in overcoming challenges and achieving sustainable growth. Firdaus began his career as an engineer at Petronas and later spent nine years at FedEx in logistics. His career further expanded through roles at IRDA, Khazanah, and TERAJU, leading to his appointment as INSKEN’s CEO in 2017. His dedication to nurturing the entrepreneurial spirit is further reflected in his role as a Board of T

Abdul Amir Abdul Malik is the Chief Executive Officer of D’Tandoor Food Industries Sdn Bhd. An up and coming entrepreneur, he is committed to and persistent in pursuing his passion, to empower communities to practice

He plays a major role in rebranding the D’Tandoor brand to appeal to the current generation. Currently the Chief Executive Officer of D’Tandoor Food Industries Sdn. Bhd (Jan 2019 to present), his responsibilities span the range of day to day planning of the various outlets and catering unit operations coordinating development strategies and key performance indices ensuring the development targeted goals and objectives plus quality delivery of the unit’s offerings.

Prior to this, he was the assistant general manager, assuming responsibilities for the daily operations, workers schedules, assisting in the human resources department viz training new employees. While he was the marketing manager at the same organization, he led a team of marketing executives, motivating and achieve targets in addition to developing and executing marketing strategies for the restaurant and catering parts of the business.

Phaik Nie Chin is a Senior Lecturer at the Graduate School of Business, Universiti Sains Malaysia. Her research interests and projects encompass behavioural and experimental finance, behavioural and experimental economics, personal finance, and consumer behaviour. Her passion for economics and psychology has driven her to delve deeper into these fields. She earned a Ph.D. in Economics from Universiti Sains Malaysia and currently teaches Financial Strategy in the School’s Master of Business Administration (MBA) and Doctor of Business Administration (DBA) programmes.

Putri Aliah Mohd Hidzir is a PhD candidate in Business Management at UiTM Kampus Bandaraya Melaka, specializing in the financial well-being of micro-entrepreneurs in Malaysia. Her research centres on fostering inclusive financial well-being and enhancing financial capabilities, particularly among underserved communities. She is also dedicated to exploring the role of Islamic social finance in promoting economic resilience and sustainable growth.

Selina Dang holds a CMSRL from the Securities Commission of Malaysia, an ICF-Certified Coach and HRD Corp Accredited Trainer. With over 20 years of experience in personal finance, investments, and business management, her background spans academia, healthcare management, and financial literacy, where she has actively contributed as a speaker, writer, and trainer. Selina is passionate about financial empowerment and is dedicated to equipping individuals with the knowledge and skills to make confident financial decisions. Through her personalized financial life coaching approach, she helps clients and individuals align their financial plans with their values and goals, promoting financial wellness and long-term security.

Dr. Nurul Hidayana Mohd Noor is a senior lecturer at the Faculty of Administrative Science and Policy Studies (FSPPP), Universiti Teknologi MARA (UiTM), Seremban, Negeri Sembilan. She received her Bachelor’s Degree with First Class Honors in Administrative Science from the Universiti Teknologi MARA (UiTM) in 2010. She obtained her Doctor of Philosophy (PhD) in social work from Universiti Malaya in 2017. She is a former Faculty Entrepreneurship Coordinator, a former chairperson of the 8th ICoPS 2021, a fellow of the CEO@Faculty Programme Maybank, and an associate fellow at Ungku Aziz Centre for Development Studies, Universiti Malaya. Her main research activity is entrepreneurship, environmental, nonprofit and organizational management, and youth studies.