Bahaa awwad: He is an Associate Professor of Financial Management Faculty of Business and Economy, Computerized of Banking & Financial Department, at Palestine Technical University – Kadoorie. He has PhD in Financial Management from Amman Arab University, Jordan. In addition, has more than 25 years of experience in the academic field. His research interests are mainly in the areas of artificial intelligence, Digital transformation, financial analysis, governance, financial markets, risk management, corporate financial performance, and financial technology. In this vein, awwad is an experienced in institutional governance. Moreover, awwad has published many researches in highly ranked and top-tier journals such as Banks and Bank Systems, Journal of Decision Systems, Competitiveness Review, Investment Management and Financial Innovations, International Journal of Law and Management, Discover Sustainability, In addition, awwad has been working as a reviewer for several of books and international Financing journals. Further, he acts as associate editor and editorial board members for several international journals.