Hershey, Pennsylvania
New York, New YorkBeijing, China

Mercia S. M. Justin

Mercia S. M. JustinDr. Mercia Selva Malar Justin has 33 plus years of teaching experience at higher education level, both at national and international Higher Education institutions. She currently serves as Associate Professor & Dean (External Programs) at Xavier Institute of Management & Entrepreneurship, Bangalore, India. She has taught at various colleges and business schools like, CMS College of Science and Commerce, SCMS-COCHIN, LEAD College of Management, ECMIT (Dubai) and Wollongong University (Dubai). She earned her doctoral degree in Commerce from Manonmaniam Sundaranar University based on the thesis titled, ‘Foreign exchange exposure and risk management in the hotel industry’. She has been part of the international research team on ‘Microfinance – Gender perspectives’ funded by DFID-DelPHE. She has authored three books viz. Foreign exchange exposure and risk management in the hotel industry, ‘Aspire to be a great teacher’, ‘A daughter’s tribute to a godly father’ and edited 3 books with IGI Global. She has published in national and international journals. She won the National Trailblazers Triumph Award for her book Aspire to be a great teacher in 2023. She is a PRIME Graduate of JCI University. She received the NFP Scholarship of Netherlands Government and completed her Diploma in Housing and Urban Development specializing in FDI and City Financing, from Erasmus University, Rotterdam. She is the recipient of the Jagadish Gandhi Silver Medal for General Proficiency of ISSR, Runner-up Outstanding New Jaycee of JCI-India, Distinguished Educator and Scholar Award of NFED. She is passionate about teaching Business Ethics, MSMEs, CSR, ESG and Impact Investing and Fintech. She is committed to the achievement of UN SDGs and women leadership across the globe. She has been teaching Business Ethics passionately over the past years and is a strong advocate of accountability, integrity and transparency across domains.

Publications

Examining Global Regulations During the Rise of Fintech
Examining Global Regulations During the Rise of Fintech
Mercia Selva Malar Justin, Revenio Jalagat, Kumar Chandar, Perfecto Aquino, Karima Sayari. © 2025. 506 pages.
The fintech industry's rapid growth is revolutionizing the global financial sector by providing unparalleled convenience and innovation. However, this disruptive force also...
Banking Industry and Fintech: A Bibliometric Analysis
Banking Industry and Fintech: A Bibliometric Analysis
Karima Sayari, Revenio Cabanilla Jalagat Jr., Mercia Selva Malar Justin, Perfecto G. Aquino Jr., Kumar Chandar. © 2025. 22 pages.
The main aim of this chapter is to delve into the worldwide trends in fintech and the banking industry. Bibliometric analysis was performed in 2015–2023 to determine the...
Exploring Fintech Regulations Across Five Nations
Exploring Fintech Regulations Across Five Nations
Mercia Selva Malar Justin, Revenio Cabanilla Jalagat Jr., Karima Sayari, Perfecto Gatbonton Aquino Jr.. © 2025. 24 pages.
The chapter explores the rise of fintech regulation in India, China, USA, UK and Singapore that are strong in the fintech industry. The nations have proved themselves to be...
Opportunities and Challenges for Women Leaders in Environmental Management
Opportunities and Challenges for Women Leaders in Environmental Management
Perfecto Gatbonton Aquino, Jr., Revenio Cabanilla Jalagat, Jr., Mercia Selva Malar Justin. © 2024. 259 pages.
Our planet is facing the prospect of environmental catastrophe, resulting from decades of reckless human activities. The ongoing degradation of the Earth's natural resources...
The Role of Female Leaders in Achieving the Sustainable Development Goals
The Role of Female Leaders in Achieving the Sustainable Development Goals
Mercia Selva Malar Justin, Joycia Thorat. © 2024. 341 pages.
The world is in a race against time to achieve the United Nations Sustainable Development Goals (UN SDGs) by 2030. Despite global efforts to address these ambitious goals...
Women Leadership in Environment Management: The Philippines' Challenge at the Grassroots Level
Women Leadership in Environment Management: The Philippines' Challenge at the Grassroots Level
Revenio Cabanilla Jalagat Jr., Perfecto Gatbonton Aquino Jr., Mercia Selva Malar Justin, Karima Sayari. © 2024. 13 pages.
The Philippines is among the pioneers of gender-sensitive policies that aim to neutralize the role of men and women in leadership opportunities in almost all sectors. From the...
Opportunities and Challenges of Educated Professional Women Leaders in Environment Management
Opportunities and Challenges of Educated Professional Women Leaders in Environment Management
Mercia Selva Malar Justin, Revenio Cabanilla Jalagat Jr., Perfecto Gatbonton Aquino Jr.. © 2024. 17 pages.
The chapter intends to present the role of educated and professional women as leaders of home, how they contribute to environmental management, the opportunities, and the...
UN Women and UN Global Compact: Role of Women Leaders in Achieving UN SDGs
UN Women and UN Global Compact: Role of Women Leaders in Achieving UN SDGs
Mercia S. M. Justin, Revenio Jalagat, Perfecto Aquino, Lee Wan Ling. © 2024. 17 pages.
Achieving UN SDGs is crucial for the people of the world to live complete and satisfying lives. The role of women in achieving the goals cannot be overemphasized. It becomes all...
Women Leaders of Selected NGOs and UN SDGs Achievement
Women Leaders of Selected NGOs and UN SDGs Achievement
Mercia Selva Malar Justin. © 2024. 19 pages.
The UN Sustainable Development Goals deadline is fast approaching, and women leaders play a crucial role in achieving them. However, only 30% of women reach the top of their...
Legal Framework on the Implementation of the Human Resource Management Reforms in the Philippines After the Marcos Era Up to the Duterte Administration
Legal Framework on the Implementation of the Human Resource Management Reforms in the Philippines After the Marcos Era Up to the Duterte Administration
Perfecto G. Aquino, Jr., Revenio Cabanilla Jalagat Jr., Mercia Selvia Malar Justin. © 2022. 18 pages.
This study is aimed at filling the gap and will discuss the overview of both the legal reform processes happening in the public sector of the Philippine government and of recent...
Legal Framework on the Implementation of the Human Resource Management Reforms in the Philippines After the Marcos Era Up to the Duterte Administration
Legal Framework on the Implementation of the Human Resource Management Reforms in the Philippines After the Marcos Era Up to the Duterte Administration
Perfecto G. Aquino, Jr., Revenio Cabanilla Jalagat Jr., Mercia Selvia Malar Justin. © 2021. 18 pages.
This study is aimed at filling the gap and will discuss the overview of both the legal reform processes happening in the public sector of the Philippine government and of recent...
Roles and Strategies of 20th and 21st Century Women Environmentalists
Roles and Strategies of 20th and 21st Century Women Environmentalists
Mercia Selvia Malar Justin, Perfecto Gatbonton Aquino, Jr, Doan Hong Le. © 2020. 18 pages.
The chapter presents the roles and strategies of 25 women environmentalists from across the globe in the 20th and 21st centuries. They were chosen based on the various awards and...