José Miguel is a lecturer and academic author with a distinguished teaching and professional career at the National Autonomous University of Mexico - UNAM (Mexico), Arkansas State University (USA) and Galileo Global Education (France). He holds master’s degrees in Finance from UNAM (Mexico); in Government and Public Management from Universitat Pompeu Fabra (Spain); and in Economic Analysis from Universitat Oberta de Catalunya (Spain). He also actively contributes to research projects and conferences on financial technology, financial risks, international business, and public management.