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Saifullah

Saifullah

Associate Professor
  • FAST School of Management
  • drsaif.ullah@nu.edu.pk
  • (041) 111-128-128
  • Ext: 264

Introduction

Dr. Saif Ullah is a distinguished finance professional and academic with over 14 years of expertise in financial analysis, fintech, and program development. Currently an Associate Professor at FAST School of Management, National University of Computer and Emerging Sciences, he has played a pivotal role in shaping innovative academic programs.

Dr. Ullah holds a PhD in Finance from Jiangsu University, China, where his research focused on financial well-being among adults. He also earned an MS in Finance from Mohammad Ali Jinnah University and an MBA Finance from The University of Faisalabad. His extensive research in Financial Wellbeing, financial markets, corporate governance, and fintech has been published in high-impact SSCI-indexed journals, including Frontiers in Psychology and the Journal of Islamic Accounting and Business Research.

Renowned for his strategic leadership and curriculum development, Dr. Ullah pioneered Pakistan’s first BS Fintech program at The University of Lahore (UOL). As Finance Cluster Head and Head of the MBA Program at UOL, he also spearheaded the relaunch of the Executive MBA. His expertise in data-driven decision-making is supported by proficiency in Python, SPSS, SMARTPLS, and other analytical tools. Beyond academia, Dr. Ullah actively engages in industry collaborations, research supervision, and professional training, making significant contributions to the finance discipline.

Field of Interest

My primary area of interest is in advancing financial innovation through the integration of emerging technologies, predictive analytics, and data-driven decision-making. My core focus areas include:

  • Fintech Ecosystems: Leading academic initiatives such as Pakistan’s first BS Fintech program and conducting research on digital finance adoption.
  • Advanced Financial Modeling: Leveraging Python, Power BI, and Microsoft Excel for financial Analysis and market forecasting.
  • Business Analytics: Utilizing tools like SPSS, Power BI and Microsoft Excel to optimize financial decision-making.
  • Sustainable Finance: Investigating ESG impacts, financial well-being, and Islamic finance through interdisciplinary research.

Education

  • PhD Finance from School of Finance and Economics, Jiangsu University, Zhenjiang, China (2020)
  • MS Finance from Mohammad Ali Jinnah University, Isalmabad, Pakistan (2010)
  • MBA Finance from The University of Faisalabad, Pakistan (2008)
  • BCom from University of The Punjab, Pakistan (2005)

Publications

1. Khan, M. I., Farooq, M., Jabri, Q. A., Ullah, S., & Hussain, M. (2025). Managerial overconfidence and dividend policy: a case study of PSX listed firms. Managerial Finance.

2. Muhammad Farooq, Qadri Al-Jabri, Muhammad Tahir Khan, Asad Afzal Humayon,, & Saif Ullah. (2025). The relationship between corporate governance and financial performance in the Islamic and conventional banking industries: Malaysian evidence. Journal of Islamic Accounting and Business Research, 16(2), 411-443.

3. Ch Ahtesham ul Haq Dhariwal, Muhammad Tahir, & Saif Ullah. (2024). Unveiling the Changing Capital Structure Dynamics in the Oil and Gas Industry: Evidence from Pakistan. International Journal of Management Research and Emerging Sciences, 14(1).

4. Saif Ullah, Muhammad Tahir & Muhammad Faorooq. (2023) Financial Self-Efficacy as a Mediator between Financial Socialization, Early Childhood Consumer Experiences, and Financial Well-Being. Journal of Financial Counseling and Planning.

5. Saif Ullah, Mehwish Jabeen, Muhammad Farooq, and Asad Hamayun. (2023). Revisiting the Relationship between Idiosyncratic Risk and Stock Returns: A Quantile Regression Analysis in the Context of an Emerging Market. Journal of Economic and Administrative Sciences, Vol. ahead-of-print No. ahead-of-print. https://doi.org/10.1108/JEAS-03-2023-0062

6. Muhammad Farooq, Qadri Al-Jabri, Muhammad Tahir Khan, Asad Afzal Humayon, Saif Ullah (2023). The relationship between corporate governance and financial performance in the Islamic and conventional banking industries: Malaysian evidence. Journal of Islamic Accounting and Business Research (SSCI, ABS, ABDC, Q3)

7. Muhammad Farooq, Imran Ali Hunjra, Saif Ullah, & Mamdouh Abdulaziz Saleh Al-Faryan. (2023). The determinants of financial distress cost: A case of emerging market. Cogent Economics & Finance, 11(1), 2186038. https://doi.org/10.1080/23322039.2023.2186038 (ESCI, ABDC-B, ABS-1 Q2)

8. Chengpeng Zhu, Muhammad Husnain, Saif Ullah, Muhammad Tasnim Khan, Waris Ali (2022). Gender Diversity and Firms’ Sustainable Performance: Moderating Role of CEO Duality in Emerging Equity Market. Sustainability, 14(12):7177. https://doi.org/10.3390/su14127177 (SSC, Q1)

9. Xiaochen Zhang, Muhammad Husnain, Hailan Yang, Saif Ullah, Jaffar Abbas., & Zhang, Ruilian. (2022). Corporate Business Strategy and Tax Avoidance Culture: Moderating Role of Gender Diversity in an Emerging Economy, Frontiers in Psychology, 13. https://doi.org/10.3389/fpsyg.2022.827553 (SSCI, Q1)

10. Junguo Shi, Saif Ullah, Xun Zhu, Shanshan Dou, Faiza Latif (2021) Pathways to Financial Success: An Empirical Examination of Perceived Financial Well-being based on Financial Coping Behaviors, Frontiers in Psychology 12, 762772. DOI: https://doi.org/10.3389/fpsyg.2021.762772 (SSCI, Q1)

11. Asia Kausar, Faiza Siddiqui, Abdul Gadhi, Saif Ullah, Omer Ali (2021) Measuring the Relationship between Energy Consumption and Production of the selected SAARC Countries: Panel Co-integration and Causality Analysis. International Journal of Energy Sector Management, 16(2) 284-301 DOI: https://doi.org/10.1108/IJESM-11-2020-0008 (ESCI, Q2, ABDC-C)

12. Saif Ullah & Dr. Kong Yusheng (2020). Financial Socialization, Childhood Experiences and Financial Well-being: The Mediating Role of Locus of Control. Frontiers in Psychology, 11, 2162. DOI: https://doi.org/10.3389/fpsyg.2020.02162 (SSCI, Q1)

13. Muhammad Waqas, Saif Ullah, Dr. Muhammad Ilyas, & Dr. Ch. Abdul Rehman (2018). Organizational Learning, Quality Strategy and Perceived Firm Performance of Textile Firms. Pakistan Business Review, 20 (1), 59-66 DOI: http://dx.doi.org/10.22555/pbr.v20i1.497

14. Muhammad Waqas, Saif Ullah, & Muhammad Abid Noman (2017). Organizational Learning, Differentiation Strategy and Perceived Firm Performance of Textile Firms. Paradigms: A Research Journal of Commerce, Economics, And Social Sciences, 11(1), 61-71 DOI: https://doi.org/10.24312/paradigms110111

15. Uzma Aslam, & Saif Ullah (2017). Determinants of IPO Short Run and Long-Run Performance: A Case Study on the Listed Firms of Karachi Stock Exchange. Paradigms: A Research Journal of Commerce, Economics, And Social Sciences, 11 (2), 165-172 DOI: https://doi.org/10.24312/paradigms110206

16. Saif Ullah (2012). Inter-Sectoral differences in the determinants of capital structure: A case study based on the Experience of non-financial companies (2001-08). Pakistan Business Review, 14 (3), 518-542

17. Safdar H. Tahir, Saif Ullah, Hazoor Muhammad Sabir & S.M.M Raza Naqvi (2009). Determinants of Capital Structure: A Case of Textile Sector Listed on Karachi Stock Exchange. Sci. Int. (Lahore), 21(4),275-282

Conference Papers

1. Saif Ullah (2016). An examination of investors herding behavior toward Pakistan stock exchange. International Conference on Business and Management Perspectives in the Asian Context: Challenges and Prospects: University of Lahore, Pakistan

2. Shakeel Anjum & Saif Ullah (2016). Impact of employee engagement on job performance: Mediating effect of organizational citizenship behavior. International Conference on Business and Management Perspectives in the Asian Context: Challenges and Prospects: University of Lahore, Pakistan.

3. Uzma Aslam & Saif Ullah (2015). Learning Patterns of Teams in Lahore Hotel Industry. SAICON 2015: Comsats Institute of Information Technology Islamabad Pakistan.

4. Saif Ullah (2011). Inter-Sectoral differences in the determinants of capital structure: A case study based on the Experience of non-financial companies (2001-08). International Conference on Contemporary Issues in Business Management, (ICIBM-2011) (pp. 1-27). Lahore: University of Central Punjab.

5. Saif Ullah, Safdar H. Tahir, & M Imran. Khan (2009). Prospects of Inflation-Linked Bonds and Monetary Policy of Pakistan. Contemporary Issues in Management Sciences. Islamabad: Mohammad Ali Jinnah University.

6. Saif Ullah, & Safdar H. Tahir. (2009). Impact of Earning Management on Capital Structure of Listed Non-Financial Companies on Karachi Stock exchange (KSE). International Online Conference on Business and Management

 

Collaborations at National and International Level

Detail of Funded Projects