Dr. Abdul Razzaq Khidr Hassan is an Assistant Professor in the Department of Financial and Banking Techniques at the Technical College of Hawija, part of the Northern Technical University. His academic specialization focuses on Financial Management, Financial Markets, and Investment. He has obtained several academic degrees in this field and is interested in keeping up with the latest developments in economics and finance. He has published numerous research papers on intellectual capital, the impact of the international financial environment on financial markets, and time management studies. He is considered an expert in analyzing both Iraqi and global financial markets.