Dr. Shafna T is a Ph.D. holder in Commerce from the University of Calicut and a UGC NET-JRF qualified academician. She has over two years of teaching experience in higher education and has published research in ABDC-ranked, UGC-CARE listed, and other peer-reviewed national and international journals. Her research interests include investment management, credit rating, financial markets, investor behaviour, behavioural finance, and research methodology. She has presented papers at several national and international conferences and has served as a resource person for research methodology workshops.