Blockchain, Metaverse, and Digital Payments: A Global Digital Consumer Perspective

這本及時的書籍提供了對主要理論、框架、技術與創新、制度結構或法規（如GDPR、PSD2）以及實證研究的深入且相關的概述，這些研究探討了用戶對區塊鏈技術、元宇宙和數位支付的看法。

Aijaz A. Shaikh is Professor at NUST Business School, National University of Sciences and Technology Campus, in Islamabad, Pakistan, and Senior Research Fellow at the Institute of Information and Computational Technologies in Almaty, Kazakhstan. Previously, he served as a senior lecturer at the University of Jyvaskyla, Finland. Shaikh is renowned for his significant contributions to research in digital business, digital marketing, digital social innovation, digital payments, and mobile financial services. His work is widely recognized, cited, and respected, with over 60 publications indexed by Scopus and a Google Scholar h-index of 28. He maintains an active research network spanning 12 countries.

Galimkair Mutanov is currently Acting General Director of the Institute of Information and Computational Technologies in Almaty, Kazakhstan. In this role, he is crucial in enhancing computational methods and technologies. His work significantly impacts the scientific community within Kazakhstan and extends to international collaborations and contributions. Prof. Mutanov has an extensive publication record, contributing valuable insights and advancements in his field through scholarly articles and research papers.

Heikki Karjaluoto is Professor at the University of Jyväskylä (Faculty of Information Technology). His research interests include technology and innovation management, digital business, and software industry. Karjaluoto has published extensively in business and information system journals and is the author of several books. He has collaborated with several researchers both in Finland and abroad and actively co-operates with companies in joint research and development projects. He has won numerous research and teaching awards, including several Best Teacher Awards and Best paper awards.

Aijaz A. Shaikh 是巴基斯坦伊斯蘭堡國立科技大學商學院的教授，以及哈薩克斯坦阿拉木圖信息與計算技術研究所的高級研究員。此前，他曾擔任芬蘭尤瓦斯基拉大學的高級講師。Shaikh 以其在數位商業、數位行銷、數位社會創新、數位支付和行動金融服務等領域的重大研究貢獻而聞名。他的研究成果廣受認可，引用率高，擁有超過 60 篇被 Scopus 索引的出版物，以及 Google Scholar 的 h-index 為 28。他維持著一個涵蓋 12 個國家的活躍研究網絡。

Galimkair Mutanov 目前擔任哈薩克斯坦阿拉木圖信息與計算技術研究所的代理總經理。在這個角色中，他對增強計算方法和技術至關重要。他的工作對哈薩克斯坦的科學社群產生了重大影響，並延伸至國際合作與貢獻。Mutanov 教授擁有豐富的出版紀錄，通過學術文章和研究論文為其領域提供了寶貴的見解和進展。

Heikki Karjaluoto 是尤瓦斯基拉大學（信息技術學院）的教授。他的研究興趣包括技術與創新管理、數位商業和軟體產業。Karjaluoto 在商業和信息系統期刊上發表了大量文章，並且是幾本書的作者。他與芬蘭及國外的多位研究人員合作，並積極與企業在聯合研究和開發項目中合作。他獲得了多項研究和教學獎項，包括數次最佳教師獎和最佳論文獎。