The Normafa Research Team is currently conducting a collaborative research project with academics and researchers from Indonesia, KFUPM Saudi Arabia, and the University of London
Normafa Research Center is proud to be part of an international research collaboration with distinguished scholars from Ohio University and The University of Akron, USA.
Normafa Research Center, in collaboration with international scholars, is contributing to an upcoming book chapter titled Financial Inclusion in the Digital Age: Navigating Innovation and
Normafa Research Center is actively engaged in international research collaboration with scholars from Indonesia, Malaysia, and Hungary. The study examines the key factors influencing the
The Covid-19 pandemic reshaped how people interact with financial services, creating shifts in behavior, savings habits, and financial literacy that continue to influence Fintech adoption.
The rapid growth of technology and the widespread use of smartphones are transforming how people access financial services. Fintech companies continue to innovate, offering customized
According to the World Bank’s 2025 report, approximately 1.3 billion people worldwide are considered unbanked. This situation poses serious risks to global economic stability and