Dr. Iskandar Muda is a prominent researcher and doctoral-level accountant at the Faculty of Economics and Business, University of Sumatera Utara in Medan, serving as Secretary for both the Master’s and Doctoral Accounting programs. His extensive academic and professional experience includes a focus on accounting, business finance, and digital finance systems. In fintech, his research has focused on the role of fintech lending in supporting micro, small, and medium enterprises in Indonesia, as well as exploring lending mechanisms, funding dynamics, and rural bank sustainability within digital financial ecosystems. Dr. Muda has led numerous projects resulting in patents, research grants, and consultancy work, and has contributed extensively to academic literature through indexed journal articles, books, and book chapters. He is also an experienced speaker at international and national forums and holds key editorial positions—including Editor-in-Chief, Associate Editor, Editorial Board Member, and peer reviewer—highlighting his leadership in the convergence of accounting and fintech.