Sumit Agarwal is Low Tuck Kwong Distinguished Professor of Finance at the National University of Singapore (NUS) Business School and a Professor of Economics and Real Estate at the NUS. He is the Managing Director of Sustainable and Green Finance Institute at NUS. He is also the President of Asian Bureau of Finance and Economic Research.

Pulak Ghosh is a tenured Professor at the Indian Institute of Management Bangalore (IIMB), with joint appointments in Finance, Decision Sciences, and Public Policy. Recognised globally as a "Tech Economist," he specialises at the intersection of technology, economics, and policymaking. His research focuses on Fintech, Household Finance, Development Finance, and Artificial Intelligence. He is a Fellow of the Asian Bureau of Finance and Economic Research (ABFER), an Academic Fellow of Luohan Academy; Programme Co-Director for "Tech, Digital Markets, and AI" at ABFER; and Fellow of Institute of Financial Research, The Hong Kong University of Science and Technology. He is currently a part-time member of the Economic Advisory Council of the Prime Minister of India. The findings, interpretations, and conclusions expressed in this book are entirely those of the authors. They do not represent the views of the PMEAC or the Governments.

Ruth Tan is an Associate Professor of Finance at the National University of Singapore (NUS) Business School. She is a Certified Public Accountant of the Institute of Certified Public Accountants and a Fellow of CPA Australia

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