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Richmond Forson, Ph.D., is a Doctoral Researcher at Xiamen University, specializing in the banking sector with a focus on bank competition, financial stability, and financial inclusion since September 2018. Their academic background includes a Doctor of Philosophy in Economics and Finance from Xiamen University, a Master of Philosophy in Economics, and a Bachelor of Arts in Economics with First Class Honours from the University of Cape Coast. Previously, Richmond served as a Graduate Research and Teaching Assistant, Project Manager at Elan Research Consultancy, Loan Officer at PEP Micro-Credit Enterprise, and a Part-time Lecturer at the University of Cape Coast, where Richmond taught various economics courses. Other roles included supporting research initiatives as a Field Research Enumerator and handling procurement and sales in retail, alongside internships at Tema Oil Refinery and Ghana Textile Print.