Muhammad Azmi SaitMuhammad Azmi bin Sait is a researcher and academic from Brunei Darussalam with a PhD in Management from Universiti Brunei Darussalam. His interdisciplinary research spans digital technologies, financial technology, maritime innovation, education, an active aging. He has contributed extensively to both qualitative and quantitative research projects, with publications in Scopus-indexed and ABDC-ranked journals. Dr. Azmi’s work focuses on digital inclusion, user behavior, and the socioeconomic implications of emerging technologies such as financial technology (FinTech) in developing economies. He is proficient in data analysis, mixed-methods research, and academic writing, and has been recognized for his communication skills through multiple 3MT competition awards. His research aims to bridge theory and practice, addressing real-world challenges through evidence-based insights. Read More Read Less