Dr. Ntswaki Matlala is a Senior Lecturer at Johannesburg Business School. She holds a BTech in Cost and Management Accounting, an MBA, and a PhD in Management. Dr. Matlala specializes in Project Management, Entrepreneurship, Supply Chain, and Operations Management. With over a decade of experience in the banking industry, her professional background has shaped her research focus on the intersection of FINTECH, banking, retail, operations, and supply chain management, all through the lens of digital transformation.