Assoc. Prof. Dr. Al-Harath Abdulaziz is an Associate Professor at the department of management of the Al-Madinah international university. His research is situated in the field of Technology competency, with a special focus on adopting Fintech by microfinance business. Al-Harath teaches several courses on technology entrepreneurship and other subjects related to management. In addition to mentoring students and entrepreneurs in digital transformation and company innovation, Dr. Al-Harath is active in research, publication, and industry engagement.