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Melissa Baba is a Digital Payment Systems Expert with 15 years of experience in Business Enterprise Intelligence and Persuasive Business Development. She has supported digital financial services to create, deploy, and manage innovative FinTech products and services. With a strong empirical background and professional knowledge, Melissa's work focuses on Financial Technologies (FinTech), including Mobile Money, digital wallets, biometric payments, and digital currencies. Her current research emphasizes financial inclusion and the adaptation of digital financial services among underrepresented ecosystem actors, such as women, youth, and vulnerable groups, in the context of regulatory and socio-cultural changes. Additionally, she is an advocate for women's financial literacy in Africa and has published her research in notable journals such as the Information Systems Journal and the European Journal of Information Systems.