The Rise of Decentralized and Hybrid Learning Models

Lisa Chinyoka is a lecturer at Bindura University of Science Education. She is in the Department of Intelligence and Security Studies. She is also a Doctoral student in Financial Intelligence at Bindura University of Science Education. Her research interests include cybersecurity, artificial intelligence, emerging technology usage in education and digital transformation. Her particualar focus is on exploring the various ways that students can benefit from emerging technologies like block chain and artificial intelligence and how the classroom can be made fully accessible even to students who are far. Her passion is in creating an inclusive and educational environment for all.

Tendai Towo is a Lecturer in the Department of Banking and Finance at Bindura University of Science Education where she teaches and conducts research in finance and related disciplines. She is a holder of a Masters degree in Banking and Finance, and is currently pursuing doctoral studies in development finance at the University of South Africa. Tendai is a published author whose work spans financial literacy, retirement planning, digital banking, fintech innovation and consumer behaviour. Her research has appeared in peer-reviewed journals with contributions to studies on internet banking, service quality and marginalised communities in Zimbabwe.

Knowledge Jonasi is an experienced lecturer and researcher in the Department of Finance and Fiscal Sciences at the National University of Science and Technology, Zimbabwe. He is currently a doctoral candidate at the Durban University of Technology, where his research focuses on public debt, growth and sustainability. His research interests include public debt management, digital literacy, green financing, financial inclusion and the role of fintech in driving sustainable economic development. With a strong background in both teaching and applied research, he brings practical insights into how digital transformation and environmental finance can shape policy and practice in emerging markets.

Maxwell Kunambura is a Teaching Assistant in the Department of Intelligence and Security Studies at Bindura University of Science Education (BUSE). He holds a Bachelor’s degree in Financial Intelligence from BUSE and a Master of Science in Forensic Auditing and Accounting from Midlands State University. His specialized research and teaching interests center on forensic accounting, auditing, financial crime investigations, and cybercrime. Through his academic work, Kunambura explores the intersection of financial systems, digital security, and security studies, contributing to the development of strategies that combat illicit financial flows and complex online economic fraud.