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Mufti Muhammad Ibrahim Essa is a well-known Islamic finance scholar who helps banks and insurers make products that follow Islamic principles. He studied and now teaches at Darul Uloom Karachi under Mufti Taqi Usmani and has issued over 5,000 religious rulings. He leads Alhamd Sharia Advisory Services and advises organisations such as Lloyd’s of London, United Bank Limited (Pakistan), Hayot bank (Uzbekistan), and EFU Insurance and Takaful. He regularly speaks around the world and holds an AAOIFI certification for Sharia advisory and auditing.

Mufti Faraz Adam is a leading UK-based Islamic finance and fintech consultant who heads Amanah Advisors, a global Shariah advisory firm. He advises Islamic financial institutions across the UK, US, Canada, Malaysia, Singapore, the UAE and beyond, spanning Islamic banking, capital markets, Takaful and SME financing. He completed a six-year Alimiyyah programme in the UK, qualified as a Mufti in Durban, South Africa, and holds a Master's degree in Islamic Finance, Banking and Management from Newman University. He is a Certified Shariah Advisor and Auditor (CSAA) and the author of Introduction to Islamic Fintech.