Mustafa Nourallah
Universitetslektor|Senior Lecturer
- Professional title: Senior Lecturer
- Academic title: Doctor of Philosophy (PhD)
- Telephone: +46 (0)10-1427975
- Email: mustafa.nourallah@miun.se
- Room number: L311
- Location: Sundsvall
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- Employed at the subject:
- Business Administration
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- Research centers:
- The Centre for Research on Economic relations, CER
Background
In 2016, I completed an internship at the Centre for Research on Economic Relations (CER) and the Department of Economics, Geography, Law, and Tourism (EJT) at Mid Sweden University.
The following year, I began my PhD studies in Business Administration at CER and EJT. I earned my Licentiate degree in Business Administration in 2020 and was awarded my PhD in 2023, both from Mid Sweden University.
In 2023, I was appointed as a Lecturer in Business Administration and was promoted to Senior Lecturer in 2024.
Area of interest
Financial technology, Household Finance, Personal Finance
Research
I am interested in learning about utilizing financial technology (FinTech) to enhance personal finance for households and to contribute to the realization of the United Nations Sustainable Development Goals. I have built an interdisciplinary research background through utilizing theories from finance, information technology, and cognitive sciences. This interdisciplinary background enabled me to make a humble contribution to identify critical factors that determine individuals' use of technology. In my forthcoming endeavors in FinTech, I intend to leverage both behavioral finance and capability approach of Amartya Sen, the Nobel Prize Laureate in Economics in 1998, all while taking into account insights from financial literacy .
Teaching and tutoring
Financial Theory and Practice,FÖ138, 7,5 credits (course coordinator)
Portfolio management, FÖ100G, (Bsc), (course coordinator),
Corporate finance, FÖ096G, (Bsc), (course coordinator),
Risk management, FÖ101G, (Bsc)
Financial regulation and financial services, FÖ122G, (Bsc)
Business models, IG021G, (Bsc)
Quantitative methods, FÖ025A, (Msc)
Digitization and business models, FÖ020U, (Msc)
Other information
I currently serve as an Associate Editor for Financial Services Review (ISSN: 1057-0810), member of the Board of Directors for the Academy of Financial Services and sit on the advisory board of the Centre for Research on Economic Relations (CER). I have been a keynote speaker on FinTech at two international conferences, chaired tracks at several international conferences, and received recognition for my work, including research grants.
Honours & awards
Hans Dalborg Award for Excellence in Research in Financial Economics (2025)
Nordea Scientific Award (MIUN 2024/774)
The Economic Research Foundation Researcher Award 2020
Best Paper Award on Behavioural Finance at the Academy of Financial Services 34th Annual Meeting 2020
Nordea Bank's travel scholarship issued by Nordea's Norrland Foundation (MIUN 2020/189) 2020
Research Fund
Research Council in Oman
Project title: Understanding individuals’ readiness for Central Bank digital currency in Oman: Does financial literacy matter?
Publications
Articles in journals
Chapters in books
Collections (editor)
Conference papers
Doctoral theses, comprehensive summaries
Licentiate theses, comprehensive summaries
Manuscripts
Reports
Articles in journals
Nourallah, M. , Chan, H. R. , Chien, C. & Öhman, P. (2025). Financial Capability, Behavior, Well-Being, and Stress Among Financial Advisors. Financial Planning Review, vol. 8: 2
Nourallah, M. , Öhman, P. & Hamati, S. (2024). Financial technology and financial capability : Study of the European Union. Global Finance Journal, vol. 62
Nourallah, M. , Öhman, P. & Amin, M. (2023). No trust, no use : how young retail investors build initial trust in financial robo-advisors. Journal of Financial Reporting & Accounting, vol. 21: 1, pp. 60-82.
Nourallah, M. (2023). One size does not fit all : Young retail investors’ initial trust in financial robo-advisors. Journal of Business Research, vol. 156
Abdul Djalil, M. , Amin, M. , Herjanto, H. , Nourallah, M. & Öhman, P. (2023). The importance of entrepreneurial leadership in fostering bank performance. International Journal of Bank Marketing, vol. 41: 4, pp. 926-948.
Nourallah, M. (2022). Mobile bank applications : Antecedents and consequences of young bank customer loyalty. International Journal of Management Practice, vol. 15: 1, pp. 131-149.
Nourallah, M. , Strandberg, C. & Öhman, P. (2021). Mobile Bank Applications : Loyalty of Young Bank Customers. Financial Services Review, vol. 29: 2, pp. 147-167.
Nourallah, M. (2015). Do the Arabian Customers Who Belong to Similar Markets Differ in theEvaluation of Banking Service Quality?. International Journal of Euro-Mediterranean Studies, vol. 8: 1, pp. 25-41.
Chapters in books
Nourallah, M. & Öhman, P. (2021). Impact of Advanced Technologies on Consumer Finance and Retail Investment : Mobile Bank Applications and Robo-Financial Advisors. In Impact of Globalization and Advanced Technologies on Online Business Models. USA : IGI Global.
Collections (editor)
Ho Chan, R. (ed.) , Hou Hong Ng, A. (ed.) & Nourallah, M. (ed.) (2021). Impact of Globalization and Advanced Technologies on Online Business Models. USA : IGI Global
Brännström, L. (ed.) & Nourallah, M. (ed.) (2017). Disrupted Stories. Sundsvall : Mid Sweden University (Genusstudier vid Mittuniversitetet 11).
Conference papers
Nourallah, M. , Öhman, P. , Ho, R. C. & Chien, C. (2024). Financial capability and well-being among financial advisors. Paper presented at the The 2024 annual meeting of the Academy of Financial Services, Columbus, Ohio, USA, 18-20 September, 2024
Nourallah, M. , Öhman, P. , Stenkrona, A. & Timmerman, I. (2024). Financial well-being and stress – what to do and what not to do : Evidence from Sweden. Paper presented at the The second annual meeting of international society for the advancement on financial economics, Kasetsart University, Thailand, 8-10 July, 2024
Nourallah, M. , Öhman, P. & Hamati, S. (2023). Financial capability and financial technology : A study on the European Union. Paper presented at the The 2023 Conference of the Academy of Financial Services Advanced Research in Financial Planning by Academy of Financial Services and Financial Planning Association, Phoenix, USA, September 26-27, 2023
Nourallah, M. & Öhman, P. (2023). Sustainable Use of Technology : A Closer Look at The European Union. Paper presented at the The Entrepreneurship for Sustainability & Impact (ESI) 6th International Conference at Qatar University, Doha, Qatar, October 17-19, 2023
Nourallah, M. (2022). Employing structural equation modelling to test a conceptual framework in business studies.. Paper presented at the 1st Economic Transformation and Sustainability International Conference
Nourallah, M. & Öhman, P. (2022). Financial capability, financial technology, and saving tendency : A study on the European Union. Paper presented at the 1st Annual Meeting of the International Society for the Advancement of Financial Economics (ISAFE-2022), Ho Chi Minh City, Vietnam, 05-06 December, 2022
Nourallah, M. (2021). Robo financial advisers : risk and initial trust. Paper presented at the 4th International Conference on Innovation and Technopreneurship (ICIT 2021) by INTI International University, November 11-12, 2021, Malaysia [DIGITAL]
Nourallah, M. (2021). Robo-financial advisors : Trust, culture, and acceptance. In 2021 Royal Bank International Research Seminar, At: Virtual Conference by the John Molson School of Business, Concordia University, September 24-25, 2021, Montreal, Canada..
Nourallah, M. (2020). Mobile Bank Application : A Study on the Antecedents and Consequences of Loyalty of Young Bank Customers. Paper presented at the 6th Somaiya International Conference on Technology and Information, at K.J Somaiya Institute of Management Studies and Research Vidyavihar, Mumbai, India, 10th and 11th , January, 2020.
Nourallah, M. , Öhman, P. , Ho Chan, R. & Amin, M. (2020). Robo financial advisers: risk, information, decision style and initial trust. Paper presented at the The Academy of Financial Services 34th Annual Meeting, September 30 - October 2, 2020, Virtual Conference
Nourallah, M. (2020). Understanding young individuals’ initial trust in non-sovereign cryptocurrency. Paper presented at the 2nd Arab graduate student conference, Doha institute for graduate studies- Arab center for research & policy studies, [DIGITAL], Doha, Qatar, August 9-20, 2020.
Nourallah, M. , Strandberg, C. & Öhman, P. (2019). Understanding the Relationship between Trust and Satisfaction on Mobile Bank Application. In ICEEG 2019 Proceedings of the 2019 3rd International Conference on E-commerce, E-Business and E-Government. Lyon : . pp. 58--61.
Nourallah, M. , Strandberg, C. & Öhman, P. (2018). Mobile bank application : An empirical study of young bank customers. In 10th Nordic Workshop on Relationship Dynamics-NoRD2018, Karlstad, Sweden. September 19-21, 2018.
Doctoral theses
Nourallah, M. (2023). A tale of two FinTech solutions : Loyalty in mobile bank applications and initial trust in financial robo-advisors. Dis. (Comprehensive summary) Sundsvall : Mid Sweden University, 2023 (Mid Sweden University doctoral thesis : 384)
Licentiate theses, comprehensive summaries
Nourallah, M. (2020). A mobile bank application loyalty model : The young bank customer perspective. Lic. (Comprehensive summary) Sundsvall : Mid Sweden University, 2020 (Mid Sweden University licentiate thesis : 166)
Manuscripts
Nourallah, M. Mobile bank applications.
Reports
Nourallah, M. & Öhman, P. (2024). Finansiell förmåga och finansiell teknologi i 24 EU-länder. Sundsvall : Mid Sweden University (Rapport / CER - Centrum för forskning om ekonomiska relationer 2024:3).
Nourallah, M. (2022). Mobila bankapplikationer : Konsekvenser av unga bankkunders lojalitet. Sundsvall : Mid Sweden University (Rapport / CER - Centrum för forskning om ekonomiska relationer 2022:3).
Nourallah, M. & Öhman, P. (2022). Unga investerares initiala förtroende för finansiella Robo-rådgivare. Mid Sweden University (Rapport / CER - Centrum för forskning om ekonomiska relationer 2022:6).
Nourallah, M. & Öhman, P. (2021). Mobila bankapplikationer och unga bankkunders lojalitet. Mittuniversitetet (Rapport / CER - Centrum för forskning om ekonomiska relationer 5).