Shakeb Akhtar, Ph.D., is a Lecturer at the University of Technology and Applied Sciences in Ibra, Oman. He is also a Research Fellow in the Department of Business and Communications at INTI International University, Malaysia. His academic and research engagements reflect a strong commitment to advancing knowledge in business, finance, and emerging technological domains across international contexts.Nikita Singhal, Ph.D., is an accomplished academician and researcher in the field of commerce and management, currently serving as Associate Professor and Head of the Department (Management-BBA) at the School of Commerce and Management, IIMT University, Meerut, India.Shikha Goyal, Ph.D., is an Assistant Professor at Amity Law School, Amity University, Noida, India, specializing in Finance, Accounting, Banking, and Insurance.