John Agyekum AddaeJohn Agyekum Addae is a Ph.D. researcher in Economics at LUT University, Finland. He received an MSc. in Development Finance from the University of Ghana and an MSc. in Microfinance from the University of Cape Coast. He is a lecturer in Banking and Fnance at Ghana Communication Technology University. He has worked in both academia and industry, including serving as a retail banker at Agricultural Development Bank and participating in projects funded by World Bank, USAID, European Union, and the Government of Ghana. Prof. Addae is also a Chartered Banker with a keen interest in Financial Technology, Digital Currencies, Digital Economy, Risk Governance, and Development Finance. Among the journals in which his work has appeared are Journal of Hospitality and Tourism Insights, International Journal of Bank Marketing, and The Learning Organization. Read More Read Less