Williams YAJI

Williams Yaji is a PhD Candidate in Finance track at Toulouse School of Management (TSM), University of Toulouse Capitole, where his research focuses on digital payment services and household financial decision-making in emerging markets. He holds an MSc in Finance from Toulouse School of Management and an MSc in Economic Analysis from Corvinus University of Budapest, Hungary. Prior to commencing his doctoral studies, he served as a Lecturer in Economics at the Federal University of Lafia, Nigeria, with experience in teaching, research, and public-sector economic planning. His research interests include financial intermediation, financial technology, and financial inclusion.