Arsalan Haneef MalikArsalan Haneef Malik is an academician and experienced professional in accounting and finance. He is affiliated with the Institute of Business Management (IoBM) Karachi, Pakistan. With a PhD from the University of Malaysia Sarawak, he has published etensively in the social sciences in highly reputed journals. Among his research areas are financial inclusion, financial stability, institutional quality, and environmental and social sustainability. He inspires and mentors students to think critically and apply their knowledge to real-world situations. Arsalan Haneef Malik is committed to academic excellence and shaping the next generation of financial professionals. Research work can be followed on the links below. Read More Read Less