Dr Muhammad Anshari


Senior Assistant Professor, UBD School of Business and Economics and Deputy Director, Institute of Policy Studies



Muhammad Anshari is researcher and academic staff at Universiti Brunei Darussalam School of Business & Economics. His professional experience started when he was IT Business Analyst at Astra International. Research Fellowship from The Government Republic of China (Taiwan) at National Taiwan University (Jan-Dec, 2014). He was also research Fellow at King Saud University - the Kingdom of Saudi Arabia 2009. He is one of the editors and authors for the book "Financial Technology and Disruptive Innovation in ASEAN". Details of his research interests are as below.


Bachelor of Management Information Systems (BMIS - Hons), International Islamic University Malaysia
Master of IT (E-Business), James Cook University, Australia
PhD in Business Administration, Universiti Brunei Darussalam


E-Health & Mobile Health,
Big data in business,
ICT & Area Studies (ASEAN/Borneo)
ICT in Education,
Smartphone adoption, millenial & digital business
Social Computing


Digital Health and Post Covid-19

Applications Invited
Interdisciplinary research collaboration

FinTech and Disruptive Innovation in ASEAN

The combined economies of ASEAN make it a major of economic power after EU, USA, China, and Japan. The combined population of ASEAN creates the world's third-largest market with more than 600 million of people. There are potential readers that are waiting to find a comprehensive book to discuss FinTech, especially in ASEAN's context.

Applications Invited

ICT Index Readiness in ASEAN / Borneo

Applications Invited
Interdisciplinary research collaboration

Scopus Publications


Google Scholar Citations


Google Scholar h-index


Google Scholar i10-index

Scopus Publications


Anshari, M. and Sumardi, W.H. (2020). Employing big data in business organisation and business ethics, Int. J. Business Governance and Ethics, Vol. 14, No. 2, pp.181–205. DOI: 10.1504/IJBGE.2020.106349. Inderscience Publishers. [IGI - Q2 Scopus indexed in Business and International Management].

Anshari, M., Almunawar, M.N., & Masri, M., (2020). Financial Technology and Disruptive Innovation in Business, International Journal of Asian Business and Information Management (IJABIM), Vol. 11 (4), [IGI Global - Q2 Scopus indexed ]

Thani, F. A., & Anshari, M. (2020). Maximizing Smartcard for Public Usage: PDCA and Root Cause Analysis. International Journal of Asian Business and Information Management (IJABIM), 11(2), 121-132. [IGI Global - Q2 Scopus Indexed]

Anshari, M., Almunawar, M.N., & Masri, M., Hamdan, M. (2019). Digital Marketplace and FinTech to Support Agriculture Sustainability, Energy Procedia, 156C (2019) pp. 234-238. [Elsevier - Q1 Scopus indexed]

Anshari, M., Almunawar, M.N., Ariff Lim, S., Al-mudimigh, A., (2019). Customer Relationship Management and Big Data Enabled: Personalization & Customization of Services, Applied Computing and Informatics. Vol. 15 (2), p. 94-101. DOI: https://doi.org/10.1016/j.aci.2018.05.004 [Elsevier - Q1 Scopus Indexed in Information System]

Anshari, M., Alas, Y., & Sulaiman, E. (2019). Smartphone Addictions and Nomophobia among Youth. Vulnerable Children & Youth Studies. https://doi.org/10.1080/17450128.2019.1614709 [Taylor & Francis - Q2 Scopus Indexed]

Razzaq, A., Samiha, Y.T., & Anshari, M. (2018). Smartphone Habits in Supporting Students Self-Efficacy at Higher Education, International Journal of Emerging Technologies in Learning, 13 (2), pp. 94-109. Kassel University Press. [Q2 Scopus Indexed].

Anshari, M., et.al. (2017). Smartphones usage in the classrooms: Learning aid or interference? Education and Information Technologies. DOI: 10.1007/s10639-017-9572-7. [Springer - Q1 Scopus in Information Science]

Anshari, M., & Lim, S.A. (2017) E-Government with Big Data Enabled through Smartphone for Public Services: Possibilities and Challenges, International Journal of Public Administration, 40:13, 1143-1158, DOI: 10.1080/01900692.2016.1242619. [Taylor & Francis - Q1 Scopus in Business & International Management; ABDC Ranked B]

Anshari, M., et.al. (2016). Smartphone habit and behaviour in Brunei: personalization, gender, and generation gap. Computers in Human Behaviour. Vol. 64 (2016) 719-727. DOI. http://dx.doi.org/10.1016/j.chb.2016.07.063. [Elsevier - Q1 Scopus in Human-Computer Interaction; ABDC Ranked A].

Alas, Y., Anshari, M., Sabtu, N.I., & Yunus, N.M., (2016). Second-Chance University Admission, the Theory of Planned Behaviour and Student Achievement. International Review of Education. Vol. 62 (3). P. 299 – 316. DOI: 10.1007/s11159-016-9558-5. [Springer - Q2 Scopus & ISI Indexed].

Anshari, M., Alas, Y., & Guan, L. S. (2016). Developing online learning resources: Big data, social networks, and cloud computing to support pervasive knowledge. Education and Information Technologies, 1-15. DOI: 10.1007/s10639-015-9407-3. [Springer - Q1 Scopus in Information Sciences]

Anshari, M., & Lim, S. A. (2016). Customer relationship management with big data enabled in banking sector. Journal of Scientific Research and Development, 3 (4), 1-7. [ISI indexed]

Almunawar, M.N, Anshari, M. & Younis, M. Z. (2015). Incorporating Customer Empowerment in Mobile Health. Health Policy & Technology. Elsevier Vol. 4, p. 312-319. DOI: http://dx.doi.org/10.1016/j.hlpt.2015.08.008. [Elsevier - Scopus Indexed & ABDC Ranked B]

Anshari, M., & Alas, Y. (2015). Smartphones Habits, Necessities, and Big Data Challenges. Journal of High Technology Management Research. 26 (2): 177-185. Elsevier, DOI: 10.1016/j.hitech.2015.09.005. [Elsevier - Q2 Scopus in Management of Technology & Innovation].

Anshari, M., & Almunawar, M. N. (2015). Designing Role of Online Health Educators in Healthcare Services. Journal of evidence-informed social work, 12 (2), p. 220-236. [Taylor & Francis - Q2 Scopus indexed, Medline, PubMed]

Anshari, M., Alas, Y., & Guan, L. S. (2015). Pervasive Knowledge, Social Networks, and Cloud Computing: E-Learning 2.0. Eurasia Journal of Mathematics, Science & Technology Education, 2015, 11 (5), p.909-921. DOI: 10.12973/eurasia.2015.1360a. [Moment Publications - Q2 Scopus in Education]

Almunawar, M.N., Anshari, M. & Younis, M. Z. & Kiza, A. (2015). Electronic Health Object: Transforming Static to Interactive and Extensible Healthcare Systems. Inquiry: The Journal of Healthcare Organization, Provision, & Financing. Vol. 52. DOI; 10.1177/0046958015618665. [SAGE - Q2 Scopus in Healthcare Management].

Almunawar, M. N., & Anshari, M. (2014). Applying Transaction Cost Economy to Construct a Strategy for Travel Agents in Facing Disintermediation Threats. Journal of Internet Commerce, 13: 211-232. [Taylor & Francis -Q2 Scopus indexed & ABDC Ranked B]

Almunawar, M.N., Susanto, H., and Anshari, M. (2013). A Cultural Transferability on IT Business Application: iReservation System, Journal of Hospitality and Tourism Technology, Vol. 4 (2) p. 155-176. [Emerald - Q1 Scopus in Information Systems & ABDC Ranked B]

Almunawar, M. N., & Anshari, M. (2014). Applying Transaction Cost Economy to Construct a Strategy for Travel Agents in Facing Disintermediation Threats. Journal of Internet Commerce, 13: 211-232. [Taylor & Francis - Q2 Scopus]

Almunawar, M.N., Anshari, M., Susanto, H., (2013). Crafting strategies for sustainability: how travel agents should react in facing a disintermediation. Operational Research. Vol. 13 (3). pp. 317-342. DOI 10.1007/s12351-012-0129-7, p. 27. [Springer - Q2 Scopus indexed in Strategy & Management]

Anshari, M., Almunawar, M.N., Low, P.K.C., Al-Mudimigh A.S. (2012). Empowering Clients Through E-Health in Healthcare Services: Case Brunei, International Quarterly of Community Health Education, Vol. 33 (2), pp. 189-219, doi: http://dx.doi.org/10.2190/IQ.33.2.g. [SAGE - Q2 Scopus, PubMed]

Anshari, M., Almunawar, M. N., Low, P. K. C., & Wint, Z. (2012). Customer Empowerment in Healthcare Organisations Through CRM 2.0: Survey Results from Brunei Tracking a Future Path in E-Health Research. ASEAS – Austrian Journal of South-East Asian Studies, 5(1), p.139-151. [Q2 Scopus, ProQuest]



Faculty Block Grant, UBD. Ref. No.: UBD/RSCH/1.8/FICBF(b)/2020/006 Title: Financial Technology (FinTech) Assessment in ASEAN: Crowdfunding and Payment System. (Principal Investigator)

Faculty Block Grant, UBD. Ref. No.: UBD/RSCH/1.8/FICBF(b)/2018/003 Title: Business Models of Digital Marketplace in ASEAN. (Co-Principal Investigator)

UBD Research Grant Ref. No.: UBD/ORI/URC/RG336/U01 Title: Big Data Application in the E-Government Initiative: Feasibility Studies (Principal Investigator)

Taiwan Research Fellowship No.: MOFATF2014035 Title: Consumers' Empowerment in E-Health Systems; Host Institution: National Taiwan University (Principal Investigator)

King Saud University; Customer Relationship Management in Banking Sector, 2008 (Principal Investigator)


AITI - Consultant for ICT Survey on Individual, Household and Business 2018

Industry, Institute, or Organisation Collaboration

Department of Health Management and Health Economics (HELED), University of Oslo Norway - Mobile Health
Jackson State University, USA - E-health research
Binus University Indonesia - Mobile commerce research


Research Sharing and Presentation

1. Panel Presenter on Industrial Revolution 4.0, Persidangan Perkhidmatan Awam, Sempena Hari Perkhidmatan Awam Kali ke-26 Negara Brunei Darussalam, Jabatan Perdana Menteri, 19 November 2019.

2. The Czech Technical University in Prague, Czech Republic, "Factors Influencing Individual in Adopting e-Wallet", The 9th International Conference on Information Communication & Management (ICICM 2019), 23-26 August 2019.

3. ASEAN Regional Workshop at Bangkok Thailand on “Climate Finance: GCF Concept Note Write-shop, "Transforming from Trash to Cash: Digital Wallet & Changing People Behavior". 10-12 September 2019, (Best concept-paper).

4. Nagoya University, Japan, "Digital Marketplace and FinTech to Support Agriculture Sustainability". 4th International Conference on Renewable Energy and Development, Sept 19-21, 2018.

5. University of Macau, China, "Big data and Open Government Data in Public Services Knowledge". 2018 International Conference on Big Data Management, 26-28 Feb 2018.

6. Binus University, Indonesia, "Big Data in Healthcare for Personalization Customization of Healthcare Services", International Conference on Information Management and Technology (ICIMTech), 2019.

7. Universitas Sriwijaya, Indonesia, "Expending Technique Cryptography for Plaintext Messages by Modifying Playfair Cipher Algorithm with Matrix 5 x 19", 3rd International Conference on Electrical Engineering and Computer Science (ICECOS), OCTOBER 02-04, 2019. (Best Paper)

8. International Postgraduate Networks (IPN) at Hat Yai Thailand, "Customer Relationship Management with Big Data Enabled in Banking Sector", 22 – 23 April 2016.

9. Universitas Islam Negeri Raden Fatah Palembang, "ICT & AEC: The challenges for Malay in Region", Dec 2, 2016.

10. Universitas Yudharta Pasuruan, Indonesia, " ICT ASEAN Index Readiness", International Seminar Arah Kebijakan Ekonomi di Era ASEAN Economic Community, May 2, 2016.

11. Chulalongkorn University Bangkok Thailand, "Big Data Era: Big Challenges for ASEAN Economic Community". International Conference on ASEAN Studies 2 (ICONAS 2), 3-5 August 2015. (Best paper)

12. Gadjah Mada University, Yogyakarta Indonesia, "Shifting Role of Customers from Recipient to Partner of Care in Healthcare Organization". The 13th ASEAN Graduate Business, Economic Program (AGBEP) Network, April 2, 2013. (Best paper)

13. National Chengchi University (NCCU), Taipei - Taiwan, "Modeling patient empowerment in healthcare organization through cloud computing", The Fourteenth International Conference on Electronic Business, 8-12 December 2014.

14. Universiti Malaysia Pahang, Malaysia, "Crafting Strategies of Patient Empowerment in E-Health System: CRM 2.0", Research Sharing at Faculty of Computer and Information Technology, 2014.