Dr. Asad Ullah is Ph.D. Finance (SME’s financing, Quantitative data analysis) currently serving as Assistant professor in Finance Iqra National University, Peshawar, Pakistan. Dr. Asad is a certified expert in quantitative data analysis, both in primary and secondary data, using SPSS, STATA, gretl, AMOS, SmartPLS, and EViews. He is also expert in data visualization, referencig, and citation management. Methodologically he is keen interested in positivist research paradigm .i.e. index development and data coding.