Journal of Frontier Studies across Disciplines

Dr. Muhammad Saeed Iqbal has made significant contributions to the fields of Islamic Finance, AI & FinTech, and credit risk through his extensive research. His work is published in top-tier academic journals, including those indexed in Scopus and Web of Science. Specifically, he has authored 60+ peer-reviewed publications, many of which are featured in prestigious journals indexed in Scopus (Q1 journals) and Web of Science. These journals focus on topics such as Islamic banking performance, financial resilience, and the integration of digital technologies into Shariah-compliant institutions.

Dr. Iqbal’s academic work is widely cited, with over 455 citations from various sources, including Google Scholar, ResearchGate, and Scopus, highlighting the significant impact his research has had on the academic and professional communities. His ability to bridge academia and industry makes his work relevant not only for researchers but also for practitioners in the Islamic finance and banking sectors.

• Banking and Finance
• Risk Management
• Quantitative Finance
• Digital Transformation in Financial Services
• Financial Sustainability
• Credit Risk Management
• Artificial Intelligence in Finance

• Published over 50 peer-reviewed research articles in national and international journals.
• Reviewer for several internationally recognized journals, including Journal of the Knowledge Economy, Journal of Islamic Accounting and Business Research, PeerJ Computer Science, Cogent Business & Management, Behaviour & Information Technology, and Journal of King Abdulaziz University: Islamic Economics.
• Conducts interdisciplinary research on Islamic finance, AI, FinTech, banking resilience, and financial sustainability.
• Collaborates with researchers from Malaysia, Pakistan, GCC countries, China, and other international institutions.
• Experienced in Smart PLS-SEM, STATA, SPSS, EViews, MATLAB, Python, and bibliometric analysis.
• Actively participates in international conferences, workshops, and academic collaborations.

Publications

• AI Adoption and FinTech Integration in Dual Banking Systems: Impacts on Cross-Border Financial Intermediation and POS Infrastructure (2026)
• AI in Islamic Finance: Global Trends, Ethical Implications, and Bibliometric Insights (2025)
• Impact of Globalisation, AI Adoption, and FinTech Integration on Banking Sector Performance and Customer Satisfaction in Post-COVID Pakistan (2025)
• Resilience in Islamic Microfinance: Examining Women, Organizations, and Agricultural Consumers' Impact on Credit Risk (2025)
• Relationship Between Musharakah, Credit Risk, and Profitability in Pakistan's Islamic Banks (2023)
• Assessing and Pricing Islamic Sukuk: An Overview (2024)
• Consumer Preferences in Islamic Unit Trust Funds: Factors Influencing Fund Management Firm Selection in Pakistan (2025)