Dr. Hazik Mohamed


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Hazik is a business strategist with substantial market research,operational management and start-up experience. With over 20 years of working experience; first 10 years in the engineering field where he had led several successful projects and received several “Above and Beyond” recognitions for various contributions to projects and critical issues that won market share for the company. The subsequent 10 years were spent on building start-ups and business consulting,where he consults for MSMEs and MNCs on various business-related issues including market penetration, operational process optimization, capital management, strategic analysis and implementation.

Specialized PhD research in behavioral economics and decision-making analysis, applicable in many industry applications including marketing and understanding consumer (or user) behavior as well as policy formulation and regulatory implementation. Strong interest in strategic planning as well as applicability of innovative, disruptive and scalable technologies.

He has spoken extensively on blockchain-based applications in Kuala Lumpur (Malaysia), Lahore (Pakistan), Lyon (France), and Singapore, multi-dimensional approach to poverty alleviation and sustainability in Jakarta, development of Shariah-based socio-development index and financial inclusion in Islamabad (Pakistan) as well as discussed early warning indicators in macro-prudential policy in Manama (Bahrain) that recommend solutions to pro-cyclical economic behaviors. His past corporate clients include UNCDF for consultation on their Regional Innovation Center, ASEAN Secretariat, where he was commissioned to deliver a Handbook on Access to Alternative Finance for MSMEs, execute regional PR & Marketing campaigns for Oman Tourism (Sultanate of Oman), specific strategic advisory for SME Bank (Malaysia), served as independent consultant for EDC@SMCCI (Enterprise Development Centre of Singapore Malay Chamber of Commerce for MSMEs).

Hazik also mentored CodeAr.my’s Project Brainchild pre-accelerator program for Khazanah and its subsidiaries in Kuala Lumpur as a subject matter expert. He is also an advisor to several start-ups and is Shariah advisor to FSAC under Pergas Investment Holdings (PIH) on key areas of economics, finance, Shariah and technology, including the blockchain. He is the published author of Belief and Rule Compliance (Elsevier) on behavioural economics, and Blockchain, Fintech and Islamic Finance (De Gruyter). Professionally, he currently spends about 70% of his working hours on blockchain-based innovations, while the rest are spent on business growth strategies for start-ups and Islamic Finance Shari’ah advisory.

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