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Dharmendra Singh is an Associate Professor and program head (Finance) at Modern College of Business and Science, Muscat (Oman). He possesses rich professional experience of over 23 years in the field of finance. He holds a Ph.D. (Finance), professional certifications like Certified Financial Planner (CFP), an associate diploma (life insurance) from the Insurance Institute of India, and a CFA from ICFAI. He has published several articles & research papers in ABDC, CABS, and Scopus Q1-ranked international and refereed journals. He has published five edited books with renowned publishers. His research areas include banking, corporate finance, entrepreneurial finance, and financial markets. He has delivered training programs in association with CMA, Oman. He also serves as a reviewer for high rank journals. He is a member of the Financial Planning Standard Board (FPSB), the Indian Econometric Society, and the Insurance Institute of India. Dr. Garima Malik is an Assistant Professor of Marketing at Birla Institute of Management Technology, Greater Noida. She is a Fellow of the Xavier School of Management, XLRI Jamshedpur, India, and a recipient of the K.V. Raju Gold Medal granted to an exceptional Ph.D. student. She has more than twenty years of academic experience. Her research interests span various areas, including gamification, marketing analytics, customer engagement, destination marketing, and gaming marketing experience. She authored more than 80+ research papers. In addition to her research contributions, Dr. Malik has authored five books, two of which are textbooks, and four are case study books.

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