AYO - Digital Avatar (game-ready)
(original concept)

Mesh - Zbrush, Metahumans and Texture XYZ (for skin details)
Textured - Substance Painter
Rendered - Unreal Engine (path tracing)
Hair - Xgen Maya
Tshirt - Marvelous Designer
UVs - Maya (Earrings, Tshirt - UVs; Face/Body - UDIMS)
Topology - Quads (game-ready)