Muhammad Umar IslamMuhammad Umar Islam is a Senior Lecturer at the Asia Pacific University of Technology and Innovation in Malaysia. He Earned his PhD from INCEIF, Malaysia. His research interests include Fintech, Bank Performance, Sustainable Finance, and Islamic Finace. He has published in Energy Economics, the International Journal of Islamic and Middle Eastern Finance and Management, Cogent Business and Management, the International Journal of Business and Management, and the Bulletin of Monetary Economics and Banking. Read More Read Less