Professor Fatima Zahra Benbrahim is a research professor in creativity and innovation at the National School of Applied Sciences, Ibn Tofaïl University, Morocco, and a part-time lecturer at ENSAM Meknes, teaching strategic management, innovation, and entrepreneurship. She earned her PhD in Economic Sciences and Management (2022) from the National School of Business and Management of Kenitra. Her doctoral research examined firms’ innovation behavior through a large-scale survey of over 500 Moroccan companies, combining academic insight with practical recommendations for regional development. Originally an Agronomist Engineer in Animal Production (2008), she later specialized in management sciences. From 2009 to 2024, she served at the Ministry of Industry and Trade, leading strategic and sectoral studies. Certified in intellectual property (WIPO, AMAPIC, CAPI), she has co-authored and supervised around thirty patent filings. Her research focuses on innovation strategy, IP, technology transfer, Industry 4.0/5.0, and sustainable supply chains.Professor Asmae El Jaouhari is currently an Associate Professor at the National School of Applied Sciences, Hassan First University, Berrechid, Morocco, and an academic research member in the Systems Analysis and Modeling Laboratory and Decision Support within Hassan First University. She holds a PhD in Industrial Engineering (2023) from the Faculty of Sciences and Techniques, Sidi Mohamed Ben Abdellah University, Fès, Morocco, where her research focused on Digital Transformation Management in Supply Chain and Logistics. Earlier, she earned her State Engineering Diploma in Industrial Engineering (2019) from the National School of Applied Sciences (ENSA), Fès Professor Hasan Dincer is a distinguished academic in finance and banking, currently serving at Istanbul Medipol University in Turkey. He earned his B.A., M.A., and Ph.D. in finance-related disciplines from Marmara University, with his doctoral research focusing on the impact of new service development on competitive strategies in the banking sector. Prof. Dinçer has held academic positions at Beykent University and has conducted research at Hamburg University in Germany and the University of Hertfordshire in the UK. His prolific scholarship includes over 400 scientific articles in high-impact journals, addressing topics such as strategic management, sustainability, circular economy, renewable energy investments, and decision-making models. He serves as the executive editor of the International Journal of Finance and Banking Studies and is a founding member of the Society for the Study of Business and Finance.Professor Serhat Yüksel is Professor of finance in İstanbul Medipol University. Before this position, he worked as a senior internal auditor for seven years in Finansbank, Istanbul-Turkey and 1 year in Konya Food and Agriculture University as an assistant professor. Dr. Yüksel has a BS in Business Administration (in English) from Yeditepe University (2006) with full scholarship. He got his master degree from the economics in Boğaziçi University (2008). He also has a PhD in Banking from Marmara University (2015). His research interests lie in energy economics, banking, finance and financial crises
