All articles published in this proceedings volume were presented at the Second International Conference on Innovations and Challenges in Financial Technology (ICICFT 2025), organized by the School of Economics and Commerce, CMR University, Bengaluru, India. The conference was held on 07–08 November 2025...

The study focuses on a Case-study based approach for exploring the marketing strategy effectiveness of the fintech sector. The study examined four fintech success strategies to understand Bangalore start up ecosystem in financial sector. Bangalore is home for more tech and non-tech fintech startups....

SDG-9 (Industry, Innovation, and Infrastructure) signifies the FinTech quality in innovation, growth and environment. The author has collected feedback from faculty members to improve the perception of research and innovation in Conventional Higher Education Institutions. Partial Least Squares-SEM was...

With the advent of mobile phone services, penetrated even in remote villages, followed by demonetization, people have moved to digital transfers, making a gateway to digital and mobile payments, which is a revolution in the country like India. The usage of the secondary data and analyzing the banker’s...

The growth of the financial market drastically affected by the infusion of artificial intelligence and accelerated the acceptance of Robo-advisors—algorithm-driven platforms that provide automated portfolio management and investment recommendations. While prior research has examined technology adoption,...

The study explores the establishment of behavioural finance, focusing on how rational and affective factors leverage every individual's decision-making. It discovers the key contributors, dominant themes, and contemporary research gaps in this growing field. A bibliometric and ‘systematic literature...

This study explores how financial factors shape job preference in the gig economy. The brief expansion of technology-driven and flexible work opportunities has attracted many young Indians towards gig platforms as career preference to ensure financial independence and income. This paper aims at exploring...

Financial accessibility has been intensively investigated in recent years as a way for improving the economic and social well-being of women, notably in developing countries. The study was performed on the females of Belagavi and Hubli-Dharwad districts of North Karnataka. The aim is to explore the level...

Exchange-traded funds now account for a substantial share of global equity allocation, yet most connectedness research has examined narrow ETF segments -commodities, energy, or volatility products -rather than the cross-category equity ETF system that investors actually hold. This paper estimates dynamic...

Agricultural insurance is proven to be one of the tools that can help improve the climate resilience for sustainable agricultural development and the financial security of farmers. In spite of its potentiality there are still many developing regions where adoption is limited due to understand this. The...

This study investigates the critical financial acceptance’s purpose in fostering entrepreneurial behaviour among underserved and marginalised populations in North Karnataka. By expanding provision to a range of financial services—including SB accounts, insurance, credit facilities, and personal loans—the...

India’s credit market stands at a structural inflection point. Decades of supply-side constraint — characterised by rigid collateral requirements, high transaction costs, and an entrenched informational asymmetry between lenders and thin-file borrowers — have left an estimated credit gap of ₹25–37 trillion...

The enlargement of digital payment ecosystems in India has accelerated monetary transactions and created opportunities for broader financial inclusion. However, the effective utilisation of these systems among vulnerable populations, particularly migrant women workers in informal employment, remains...

The study looks at how digital platformers changing the way young people in India trade options. Generation Z is leading the generations thinking on social media and discount brokerages and understanding their impact on option trading is important. Logistic regression reveals that after checking the...

The transformation of Financial Technology and insurance has given rise to Insurtech which is rapidly evolving domain reshaping traditional Insurance models. This paper explores how Fin tech applications like Artificial intelligence, IoT and Big data transforming risk assessment, underwriting, Claim...

The growing integration of financial markets into land governance systems has fundamentally altered the nature of agrarian disputes, transforming what were once localized conflicts into broader macroeconomic concerns. Despite the increasing relevance of this phenomenon, the processes through which financialization...

Green finance Acts is a means to enable India’s journey towards a sustainable and low carbon economy. It involves the investing of monies into green projects such as renewable energy, clean transportation and environmentally friendly infrastructure. The emergence of the green finance industry in India...

This study explores the adoption of Voice AI technology in marketing and customer success functions within Indian FinTech firms. India’s rapidly growing fintech segment faces challenges in scaling businesses and customer support due to linguistic diversity and varying digital literacy. Voice AI, with...

The combined impact of Financial Technology (FinTech) Adoption on Supply Chain Efficiency, Cash Flow Optimisation, and Inventory Management Efficiency among Indian SMEs (Small and Medium Enterprises) is systematically examined in this paper. Despite the growing relevance of FinTech in developing market,...

The rapid proliferation of financial technology (FinTech) has fundamentally transformed how individual investors engage with financial planning and wealth management. This paper evaluates the effectiveness and user adoption of digital financial planning tools among individual investors, with particular...

The 40-year hostility between Israel and Iran took shape of a war once again in the form of Israel Iran conflict which broke out on 13th June 2025 and lasted for twelve days. Crude oil, essential energy input in several countries, is also affected by this battle. The present case study is an attempt...

Financial technology has revolutionized the entire financial industry wide-reaching owing to the use of technology which makes financial services faster, secured and accessible to the whole world. While there have been increasing studies, most of the studies only consider FinTech from one disciplinary...

Entrepreneurship has emerged as a significant source of economic development, innovation, job creation, and sustainability of businesses in developed and emerging economies. Nevertheless, not all entrepreneurs can succeed in their ventures because of financial limitations, lack of motivation and poor...

This research examines the causal effect of deploying Conversational Artificial Intelligence (CAI) chatbots in FinTech Customer Relationship Management (CRM) systems on two key metrics of service quality: customer satisfaction (CSAT) and First-Contact Resolution (FCR). Using operational data from 47...

Central Bank Digital Currency (CBDC) appears to be a revolution in the realm of finance, and can be the answer to the perennial challenge of economic marginalisation. The Reserve Bank of India (RBI) also launched the pilot of digital rupee (e₹-R) as a sovereign tokenised currency in December 2022. It...

This study performs an ensemble method to enhance fraud detection capabilities in Financial Technology (FinTech) systems. Specifically, we develop a hybrid ensemble model that focuses on improving real-time fraud detection in the Financial Technology (FinTech) industry. The proposed system merges three...

The Artificial Intelligence (AI) is transforming the accounting profession globally. In India, rapid digital changes, government support, cloud financial systems, and increased automation are accelerating the acceptance of AI in accounting and finance. AI helps organizations automate routine tasks, make...

The advancement of FinTech witnessed by the pressing need for sustainability, has led to the emergence of a new field called Green Digital Finance (GDF). FinTech has the potential to advance the reach of green finance but no theoretical evidence exists to define the techno-sustainable convergence. The...

In the year 2025 almost, a decade is over for the implementation of the Sustainable Development Goals (SDGs), those were stated by the United Nations Member States in the year 2015. The SDGs is considered as a framework for highlighting critical worldwide challenges and focusing the inter-dependence...

The contemporary study examined the banks participation on India’s UPI and IMPS services during the period from 2016-17 to 2025-26, focusing on their complementary nature in India’s digital payment system. The research design has been empirical in nature by using secondary data. Statistical assumptions...

Computer Networks contributes to major part of data communication between organisation or any individuals in the current Century. Data storage and retrieval has become an essential part of any individual or organization from anywhere which has led to the advent of storing in single location and accessing...

Financial service sectors generate significant volumes of structured and unstructured data from stock markets, credit schemes, and digital transactions, creating both opportunities and challenges for optimal decision-making. This paper presents a Big Data analytics framework that leverages artificial...

This research is an attempt to study the transformative effect of FinTech on the lives of working women in Trivandrum, India, from the perspective of sustainable development using the Diffusion of Innovation Theory. This study investigates the impact of innovation characteristics, i.e., Relative Advantage,...

The rural economy is based on agriculture and is the base of national economy. Hence, improvement in quality of life of rural population helps to achieve national development. The rural community of Bangalore rural districts are blessed with plenty of natural resources such as agricultural crops, Scenic...

In India Accounting education which include financial education, business education and accounting training is enduring Conversion, impacted by disruptive Technology, transnational educational resources and shifting market requirements. Lecture-based learning, while useful, failing to perform in furnishing...

The emergence of Financial Technology (FinTech) is driving important deviations in Human Resource Management (HRM), pushing organizations to adopt technology-enabled approaches in place of conventional practices. This research study observes the challenges and opportunities brought by FinTech, such as...

The sustainable development of the Blue Economy requires financial systems that are transparent, inclusive, and resilient to climate and market risks. However, coastal communities across India continue to face significant constraints in accessing timely and affordable finance. This study evaluates how...

India’s Unified Payments Interface (UPI) has emerged as the most consequential financial technology experiments in modern economic history, processing over 131 billion transactions worth ₹199.8 trillion in the fiscal year 2023–24 alone. Built on the India Stack — a layered digital public infrastructure...

Policy discourse on India’s digital finance transformation rests on a near-universal assumption: the Unified Payments Interface (UPI), now the world’s largest real-time payment system, is pulling households into formal capital markets, and further expanding UPI will continue to deepen retail equity participation....

Due to the digitization of financial services worldwide and increasing fraud cases, the concern of online microfinance fraud and P2P lending risk is a certainty with NBFC. Over the last decade, there has been increasing scholarly activity directed at fundamental issues in this area. University of Queensland’s...

Contemporary organizational ecosystems increasingly rely on digital architecture to mediate workforce dynamics. This conceptual study investigates the tripartite dynamic among technological integration, personnel engagement, and workplace inclusivity. Synthesizing current organizational behavior literature,...

Decentralized Finance (DeFi) is emerging as a disruptive financial innovation that leverages blockchain technology, smart contracts, and decentralized platforms to deliver financial services without reliance on traditional intermediaries. In the urban banking ecosystem, DeFi offers opportunities such...

FinTech is increasingly recognized as a pivotal factor in the global financial landscape, particularly in emerging economies where it holds significant promise for enhancing banking sector performance and financial inclusion. However, existing research has predominantly focused on FinTech adoption outcomes...

The research looks at employee and management perceptions of how HR analytics are being adopted in the workplace. Using the Technology Acceptance Model (TAM) as the framework for this research project, this study used a sequential explanatory mixed-methods approach to gather quantitative data through...