Shantanu Ghosh is Assistant Professor and Head in the Department of Commerce at Mugberia Gangadhar Mahavidyalaya, West Bengal, India. His research centers on finance and financial inclusion, with publications in leading journals of Wiley, Springer, and Emerald. Tarak Nath Sahu is Professor of Commerce and Business Administration at Vidyasagar University, West Bengal, India. A gold medalist and prolific scholar, he has authored or edited twenty books and published over 160 research articles with leading international publishers. Girijasankar Mallik is Associate Professor at Western Sydney University, Australia. An award-winning teacher and widely published researcher, he has authored over 95 scholarly works, delivered keynote lectures across 34 countries, and supervised more than 15 Ph.D. scholars.