Dr. Amal El Mallouli is a lecturer and researcher at the National School of Business and Management (ENCG-Settat), Hassan First University, Morocco. She holds a PhD and is affiliated with the laboratory for Studies in Finance, Accounting and Management—Information Systems and Decision Support. Her research examines financial innovation and its implications for access to and use of financial services. Her areas of interest include behavioral finance, digital finance, fintech, financial inclusion, and Islamic finance. Through her work, she seeks to advance understanding of how technological developments and individual behavior shape the changing financial landscape.