Mr. Nosherwan Khaliq | Consumer Behavior | Best Researcher Award 

Nosherwan Khaliq is a distinguished researcher with a robust background in fintech, cryptocurrency, and risk management. He holds a Ph.D. in Business Administration from Yanshan University and is currently engaged in postdoctoral research at Tongji University. His impactful work is evident in his publications in high-impact journals like Heliyon and Technological Forecasting & Social Change, addressing key issues in fintech adoption and perceived risks. With 88 citations and an h-index of 6, his research significantly influences the academic community. Khaliq’s academic journey is supported by prestigious awards, including the One Belt One Road Full Scholarship and Presidential Scholarship. His diverse skills in languages, leadership, and cultural engagement, coupled with his experience in various professional roles, highlight his comprehensive expertise and dedication. His multifaceted contributions to research and cultural activities make him a standout candidate for the Best Researcher Award.

Nosherwan Khaliq’s educational journey reflects a strong commitment to academic excellence and interdisciplinary learning. He is currently pursuing postdoctoral research at Tongji University in China, continuing his exploration in the field of business administration. Khaliq earned his Ph.D. in Business Administration from Yanshan University, China, in January 2024, where he focused on fintech and risk management. His academic foundation includes a Master’s degree in Chinese Language (MTCSOL) from Sichuan University, China, completed in 2020, which enhances his proficiency in Chinese and supports his research in cross-cultural contexts. He also holds a Master’s degree in English Literature from Punjab University, Pakistan (2016), and a Bachelor’s degree in Commerce with IT from the same institution (2009). This diverse educational background equips Khaliq with a broad skill set and a multifaceted perspective on his research and teaching endeavors.

Mr. Nosherwan Khaliq’s professional experience spans various roles and industries, showcasing his diverse skill set. He began his career as an Assistant Accountant at CMC Pvt Limited from 2010 to 2011, where he honed his financial and organizational skills. Following this, he gained experience as an Accounts Executive Officer at Hotel One during a brief stint in 2011. His career then progressed to the banking sector, where he served as a Client Centre Executive-Service (G9) at Standard Chartered Bank from 2015 to 2016, focusing on client relations and service excellence. In parallel, Mr. Khaliq taught English as a private tutor in Pakistan from 2011 to 2016, demonstrating his commitment to education and language skills. These roles have collectively enhanced his expertise in finance, client services, and education, contributing to his well-rounded professional profile.

Nosherwan Khaliq’s research interests lie at the intersection of financial technology, risk management, and cryptocurrency. His work primarily focuses on understanding the determinants influencing fintech adoption, exploring how perceived transaction costs and risks impact user intentions, and investigating the moderating roles of situational factors. Khaliq has contributed to significant advancements in analyzing consumer behavior towards fintech platforms and cryptocurrencies, providing insights into their acceptance and usage in diverse contexts. His research delves into the complexities of financial decision-making, the impact of mixed-ownership reforms on innovation, and the role of investor attention in corporate performance. By leveraging advanced methodologies such as SEM (Structural Equation Modeling), Khaliq aims to enhance the theoretical and practical understanding of financial technologies, contributing to the development of more efficient and user-friendly financial systems. His work is instrumental in shaping the future of fintech and cryptocurrency landscapes.