Mohd Afjal, PhD is an assistant professor in the Business School at the Vellore Institute of Technology with over six years of teaching experience. He has an impressive portfolio of publications with 21 scholarly papers in renowned journals, as well as two book chapters. He also serves as a reviewer for high-impact factor journals in finance and sustainability. His teaching interests encompass financial management, economic analysis, investment management, and financial modelling. Ramona Birau, PhD is a lecturer for the Faculty of Education Science, Law, and Public Administration at Constantin Brancusi University with over ten years of experience. She has published over 100 research papers in journals and conferences and authored four books. In addition, she is the Editor in Chief of two international journals. Her research interests include financial markets, economics, cybernetics and statistics, quantitative finance, financial econometrics, management, behavioral psychology, economic sociology, and management.