Ms. Nurhadhinah Nadiah Ridzuan is a researcher at Universiti Brunei Darussalam specializing in artificial intelligence applications in the financial sector, with a strong focus on regulation, ethics, and governance. Her research examines the balance between technological innovation and responsible financial practices, particularly in FinTech ecosystems and regulatory sandboxes. She has authored multiple peer-reviewed publications, accumulating 141 citations, with an h-index of 3 and an i10-index of 2. Her highly cited 2024 work on AI, regulation, and ethical responsibility reflects significant scholarly impact. Ridzuan actively collaborates with international researchers across finance, digital governance, and Industry 4.0 studies. Her work contributes to policy-relevant insights that support ethical AI adoption, inclusive financial systems, and sustainable digital transformation in emerging and global financial markets.
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