Dr. Ishtiaq Ahmed Malik is a distinguished professional merging eight years of senior banking management with a pivotal role at the Higher Education Commission as a project manager. Transitioning seamlessly, he has devoted the past 2-3 years to full-time research and teaching in Higher Education Institutions. With a rich teaching background as an adjunct faculty member since 2010, his expertise extends to acclaimed publications in esteemed business, marketing, and management journals. Dr. Malik embodies a versatile blend of managerial experience, educational leadership, and scholarly excellence.