Garima Malik

Garima MalikDharmendra Singh is an Associate Professor and program head (Finance) at Modern College of Business and Science, Muscat (Oman). He possesses over 23 years of rich professional experience in the field of finance. He holds a Ph.D. in Finance, professional certifications including Certified Financial Planner (CFP), an Associate Diploma in Life Insurance from the Insurance Institute of India, and a CFA from ICFAI. He has published several articles & research papers in ABDC, CABS, and Scopus Q1-ranked international and refereed journals. He has published five edited books with renowned publishers. His research areas include banking, corporate finance, entrepreneurial finance, and financial markets. He has delivered training programs in association with CMA, Oman. He also serves as a reviewer for high-ranking journals. He is a member of the Financial Planning Standard Board (FPSB), the Indian Econometric Society, and the Insurance Institute of India.

Publications

Addressing Practical Problems Through the Metaverse and Game-Inspired Mechanics
Garima Malik, Dharmendra Singh, Rohit Bansal. © 2025. 408 pages.
The convergence of the metaverse and gamification is transforming how people engage with digital environments, offering immersive, interactive experiences that extend beyond...
Global Regulation and Fintech: Understanding Applications and Their Impact on Investment Behaviour in Emerging Economies
Garima Malik, Garima Malik. © 2025. 18 pages.
The financial sector has been a crucial segment for India and its economy. It not only employs many, but it also serves as the backbone of India's saving culture. While...
The Rise of Digital Gaming in India a Comprehensive Study on User Engagement and Gamification: Digital Gaming
Dharmendra Singh, Garima Malik, Swati Bhatnagar. © 2025. 14 pages.
Gamification and gaming have rapidly evolved as significant phenomena in India, with research on gamification gaining momentum since 2011. In recent years, this area has...
Transforming the Financial Landscape With ICTs
Garima Malik, Garima Malik, Shalini Aggarwal. © 2024. 345 pages.
In modern finance, academic scholars face a pressing dilemma - how to grapple with the sweeping influence of Information and Communication Technology (ICT). As ICT continues to...
Emerging Perspectives on Financial Well-Being
Garima Malik, Rohit Bansal, Swati Gupta, Yasmeen Ansari. © 2024. 339 pages.
The pursuit of financial well-being has become an increasingly complex challenge for individuals and societies alike. The subjective nature of financial well-being, shaped by...
Revolutionizing Customer-Centric Banking Through ICT
Garima Malik, Dharmendra Singh, Swati Bhatnagar. © 2024. 304 pages.
Many developing countries face a significant challenge: their population needs access to essential financial services. This financial exclusion limits their ability to save...
Social Entrepreneurship, Value Creation, and Sustainability: Systematic Review and Thematic Mapping of the Research
Raihan Taqui Syed, Garima Malik, David Philip Spicer. © 2024. 16 pages.
This chapter presents an in-depth examination and analysis of published literature indexed in Scopus database on social entrepreneurship, sustainability, and value creation. A...
Exploring the Critical Elements Shaping the Uptake of Mobile Banking and Its Role in Advancing Financial Inclusion in India
Garima Malik, Dharmendra Singh. © 2024. 17 pages.
India, one of the most populous countries in the world, holds the potential to create sustainable growth in every sector including banking with optimum and efficient utilization...
International Perspectives on Value Creation and Sustainability Through Social Entrepreneurship
Hesham Magd, Garima Malik, Raihan Taqui Syed, David Spicer. © 2022. 287 pages.
Social entrepreneurship is construed an innovative activity that addresses or mitigates social issues based on self-sufficiency and financial stability. It offers the potential...
Social Entrepreneurship, Value Creation, and Sustainability: Systematic Review and Thematic Mapping of the Research
Raihan Taqui Syed, Garima Malik, David Philip Spicer. © 2022. 18 pages.
This chapter presents an in-depth examination and analysis of published literature indexed in Scopus database on social entrepreneurship, sustainability, and value creation. A...