Dr Muhammad Anshari


Assistant Professor, UBD School of Business and Economics



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). Research Fellowship from King Saud University - the Kingdom of Saudi Arabia 2009. Editor and author for the book "Financial Technology and Disruptive Innovation in ASEAN". Details of research interests are as below.


He received his BMIS (Hons) from International Islamic University Malaysia, his Master of IT (E-Business) from James Cook University Australia, and his PhD programme from Universiti Brunei Darussalam.


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


Digital marketplace & ASEAN

Applications Invited
Interdisciplinary research collaboration

FinTech and Disruptive Innovation in ASEAN

https://www.igi-global.com/book/financial-technology-disruptive-innovation-asean/219369 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 millions of people. There are potential readers that are waiting to find the comprehensive book to discuss about 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


1. Anshari, M. & Wardah Hakimah Sumardi. (in Press). Employing Big Data in Business Organization and Business Ethics. Int. J. of Business Governance and Ethics, Inderscience Enterprise Ltd. [Scopus indexed]

2. Anshari, M., & Almunawar, M. N., & Masri, M. (in Press). Financial Technology and Disruptive Innovation in Business: Concept & Application. International Journal of Asian Business and Information Management (IJABIM), IGI Global [Scopus indexed]

3. Alas, Y. & Anshari, M. (in Press). Initiating Brunei Cross Border Tourism (BCBT) as Gateway to Borneo, IJABIM, Special edition, IGI Global [Scopus indexed]

4. Thani, F.A., & Anshari, M. (in Press). Maximizing Smartcard for Public Usage: PDCA and Root Cause Analysis, International Journal of Asian Business and Information Management (IJABIM), IGI Global [Scopus indexed]

5. Sumarsono, Anshari, M., & Almunawar, M.N. (in Press). Big Data in Healthcare for Personalization Customization of Healthcare Services, International Conference on Information Management and Technology (ICIMTech), Bali, Indonesia, 2019. [IEEE Xplore - Scopus Indexed].

6. Mulyani, M.A., Razzaq, A., Sumardi, W.H., Anshari , M. (in Press). Smartphone Adoption in Mobile Learning Scenario, International Conference on Information Management and Technology (ICIMTech), Bali, Indonesia, 2019. [IEEE Xplore - Scopus Indexed].

7. Editor and Author Book, FinTech and Disruptive Innovation in ASEAN, IGI Global.

Latest publications:


Best Paper and Prize Awards
1. Big Data Era: Big Challenges for ASEAN Economic Community. International Conference on Asean Studies 2 (ICONAS 2), 3-5 August 2015. At Chulalongkorn University Bangkok Thailand.

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

Journal Publication

1. 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 [Scopus Elsevier, Q2]

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

3. 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]

4. 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 – Q2 Scopus in Information Science]

5. 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 Computer Science].

6. 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, Springer 1-15. DOI: 10.1007/s10639-015-9407-3. [Springer - Q2 Scopus in Information Sciences]

7. 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, Tourism, & Hospitality Management]

8. 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 in Education & E-Learning].

9. Huda, M., Anshari, M., Almunawar, M. N., Shahrill, M., Tan, A., Jaidin, J. H., Daud, S., & Masri, M. (2016). Innovative teaching in higher education: The big data approach. Turkish Online Journal of Educational Technology, November 2016, Special Issue for INTE 2016, 1210-1216. http://dx.doi.org/10.13140/RG.2.2.10543.53924. [Q2 Scopus].

10. 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].

11. 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, Medline, PubMed]

12. 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].

13. 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]

14. Almunawar, M.N., Anshari, M., Susanto, H., (2012). Crafting strategies for sustainability: how travel agents should react in facing a disintermediation. Operational Research. DOI 10.1007/s12351-012-0129-7, p. 27. [Springer – Q2 Scopus indexed in Strategy & Management]



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

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

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)


45 peer-reviewed papers indexed either at Scopus or Web of Science, 12 book chapters and 12 conference papers; 5 Invited speaker

Invited Speaker
1. Publish or Perish for Academicians, Universitas Islam Negeri Palembang, Indonesia, 2018.
2. Publish or Perish for Postgraduate Students, PPIBD, 2018.
3. ICT Index Readiness and ASEAN Economic Community, Invited by Universitas Islam Negeri Raden Fatah Palembang – Indonesia, Dec 2, 2016.
4. ICT ASEAN Index Readiness. International Seminar Arah Kebijakan Ekonomi di Era ASEAN Economic Community organized by Universitas Yudharta Pasuruan, May 2, 2016.
5. Crafting Strategies of Patient Empowerment in E-Health System: CRM 2.0. Research Sharing Session at Faculty of Computer and IT , Universiti Malaysia Pahang.

Presenting research paper at the following Conferences;

1. The Technical University of Czech Republic. Adoption of E-Payment Systems, August 2019.
2. Nagoya University, Japan. Digital marketplace & FinTech to support Agriculture Sustainability, 2018.
3. The University of Macau, China. Big data & Open Government Data for Public Services at International Conference on Big Data Management, Feb 2018.
3. Binus University, Indonesia. Big Data and Mobile Learning in Generating Pervasive Knowledge, International Conference on Information Management and Technology (ICIMTech).
4. Universiti Brunei Darussalam, Brunei Darussalam. Big Data in Business: Concept & Applications. International Conference on Business, Economics, & Finance, August 2017.
5. Binus University, Indonesia. Big data: Concept, applications, & challenges, International Conference on Information Management and Technology (ICIMTech) 2016.
6. NIDA, Thailand. Developing Pervasive Online Learning Resources: Case Mobile Learning, NIDA International Conference, August 2015.
7. National Chengchi University, Taiwan. Modeling patient empowerment in healthcare organization through cloud computing. Proceedings of the International Conference on Electronic Business (ICEB), January 2014
8. Universiti Brunei Darussalam, Brunei Darussalam. Empowered Customers in E-Health Business Process. PhD Colloquium, Faculty of Business, Economics and Policy Studies June, 2012.
9. ASEAN Student Conference, Bangkok – Thailand. Building Healthcare – Patient Relationship with CRM 2.0 - Lesson Learnt from Prita Mulyasari’s Case. International Seminar “Green Technology, Social Work and Public Health for Development of Indonesia. October 2011.
10. Evaluating CRM Implementation in Healthcare Organization. Proceedings of 2011 International Conference on Economics and Business Information. IPEDR vol.9 p.30-34, IACSIT Press, Bangkok, Thailand.
11. Health Information Systems (HIS): Concept and Technology. Proceedings of International Conference on Informatics for Development 26 – 28 November 2011, Yogyakarta, Indonesia, p.10-15.


AITI: IT Financial Staffs Training

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


IT Business Analyst @ Astra International