Dr. Fauz Moh’d Khamis holds a PhD (2024) and a Master’s degree (2015) in Islamic Finance and Banking from Universiti Utara Malaysia, a Bachelor’s degree in Financial Administration from the Zanzibar Institute of Financial Administration (ZIFA), and has been a Certified Public Accountant (CPA-T) since 2016. His research and teaching interests span financial inclusion, banking practices and performance, business financial analysis, accounting, corporate finance, and personal financial management. Dr. Fauz’s work bridges academic scholarship with practical financial expertise, advancing Islamic finance and sound financial governance in Zanzibar and beyond