Datin Dr. Margarita Peredaryenko comes with back to back high distinction qualifications in Doctorate in Business Administration and Master of Business Administration from the International Islamic University Malaysia (IIUM). Her undergraduate is a Bachelor of Science in Software Engineering from Moscow Engineering Physics Institute (MEPhI), Russia. Her doctoral dissertation, using a mix-method and highly rigorous Structural Equation Modeling (SEM), entitled “Antecedents of customer purchase intention towards the Perak Gold Dinar”, has been nominated for the best dissertation award. She is focused on education, financial, and technological innovation as a way to foster economic and social sustainable development.