K. Chettya
Human Sciences Research Council
South Africa

Krish Chetty – PhD in Computing Sciences, Senior Research Manager

Pretoria

N. Gopal
University of Kwazulu-Natal
South Africa

Nirmala Gopal – PhD, Prof. in Criminology

Kwazulu Natal

J. Josie
University of the Western Cape
South Africa

Jaya Josie – PhD, Prof., Adjunct Professor

Cape Town, Western Cape

W. Wen
International Business School of Zhejiang University
China

Wu Wen – PhD, Prof., Executive Director of the International Research Center in Fintech Security

Haining, Zhejiang Province

I. Yarygina
MGIMO University of the Ministry of Foreign Affairs of Russia
Russian Federation

Irina Yarygina – Dr. Sci. (Econ.), Prof., Head of Economics and Banking Business Department

Moscow

M. Yudina
Higher School of Economics
Russian Federation

Maria Yudina – Cand. Sci. (Soc.), Senior Research Fellow at the International Laboratory for Digital Transformation in Public Administration

Moscow