Mrs. Fan Yang is an accomplished professional with a strong background in business and academia. She holds a Ph.D. in Market Strategy from Universiti Sains Malaysia, specializing in the role of financial inclusion and digital transformation in banking. Prior to her doctoral studies, Mrs. Yang completed a Master’s degree in International Business at Guizhou University of Finance and Economics and a Bachelor’s degree in International Economics and Trade from Dezhou University.Throughout her career, Mrs. Yang has gained diverse experience through internships and various roles. She has worked as a Recruitment Clerk and Party Office Clerk at Guizhou University of Finance and Economics, providing valuable administrative support and insight into higher education operations. Additionally, she served as a Foreign Trade Specialist at Henan Kaisinuo Industrial Co., Ltd., where she developed expertise in international business practices and trade dynamics.Mrs. Yang’s contributions extend beyond her professional roles. Her research on financial inclusion, digital transformation, and bank performance has been published in reputable journals, highlighting her deep understanding of these complex topics. Furthermore, her experience as a Teaching Director at Henan Hongxin Education demonstrates her leadership skills and ability to manage educational programs effectively.Overall, Mrs. Fan Yang’s combination of academic achievements, practical experience, and research contributions make her a highly skilled professional capable of excelling in diverse environments within academia and business.