Nurul Shahnaz Mahdzan
* Corresponding Author
https://umexpert.um.edu.my/n_shahnaz.html

Department of Finance & Banking, Faculty of Business & Accountancy and Social Security Research Center (SSRC), University of Malaya
Malaysia

Dr. Nurul Shahnaz Ahmad Mahdzan is an Associate Professor at the Department of Finance & Banking, Faculty of Business & Accountancy, University of Malaya, and a Research Associate of the Social Security Research Center (SSRC), University of Malaya. She obtained her PhD from the Nottingham University Business School, United Kingdom, in 2010. She received her Masters of Business Administration (with Distinction) from the University of Malaya, and her Bachelor’s in Business Administration (Summa Cum Laude) from Ohio University, USA. Her research interests are personal finance, saving behaviour and financial attitudes of households. She has a number of published articles in local and international journals in these areas. Prior to her career in academia, she worked in the banking and insurance industry for ten years, where she mainly dealt with customers and their personal finances.

Amrul Asraf Mohd-Any
https://www.scopus.com/authid/detail.uri?authorId=56582511800

Department of Marketing, Faculty of Business and Accountancy, University of Malaya
Malaysia

MOHD-ANY, Amrul Asraf is a Senior Lecturer in Marketing at the Faculty of Business and Accountancy, University of Malaya, Malaysia. He holds a PhD in Marketing from Nottingham University Business School, The University of Nottingham, UK, and a MSc in International Hospitality Management from University of Strathclyde, Scotland. His research interests lie in the field of services marketing, internet marketing, customer participation and value co-creation. He has published in journals such as Journal of Travel Research and Electronic Markets: The International Journal on Networked Business, among others.

Mun-Kit Chan
Global Markets and Investments Mangement, UOB Malaysia

CHAN, Mun-Kit is a Project Manager (Vice President) at the Global Markets Department, United Overseas Bank (Malaysia) Berhad. He specializes in project management, business and system supports. Prior to his current placement, he has worked as a Business Analyst at several other investment banks in Malaysia. He obtained his Master of Business Administration from University of Malaya, with a concentration in Finance.