Lec. Miral Samarah, an instructor at Finance and Banking Department of Applied Science University, she Holds a Master's degree in financial economics from Hashemite University / Jordan with excellent rank, former Banker at one of the largest banks in Jordan (Corporate Department) and granted a professional Diploma in Credit Banking; she participated on several international Conferences and has a research interests on Financial Markets & Institutions, Behavioral Finance, Financial Technology, and Financial Models.