Mohd Abass BhatMohd Abass Bhat holds a Ph.D. in Commerce from the University of Kashmir, India, and is currently a Senior Lecturer in the Department of Economics and Business Administration at the University of Technology and Applied Sciences (UTAS), Muscat, Oman. e has previously served as an assistant professor at universities in Ethiopia and India, and has contributed extensively to teaching, curriculum development, and research supervision. Dr. Bhat has authored numerous publications in Scopus-indexed and ABDC-listed journals on topics including blockchain adoption, fintech, sustainability, ESG, AI applications, innovation, and organizational behavior. His research excellence has been recognized through distinctions such as the GCC Scientific Research Award (2025) and UTAS’s Most Cited Researcher Award (2024). He has also participated in several funded projects in sustainability, digital transformation, and healthcare analytics, contributing significantly to the fields of emerging markets, technology-driven business transformation, and sustainable development. Read More Read Less