Proceedings of the 2nd International Conference on Innovations and Challenges in Financial Technology (ICICFT 2025)
2nd International Conference on Innovations and Challenges in Financial Technology (ICICFT 2025)
📍Bangalore, India🗓️ 7-8 November 2025
Conference: 2nd International Conference on Innovations and Challenges in Financial Technology (ICICFT 2025)
Date: 7-8 November 2025
Location: Bangalore, India (Hybrid)
Website: NA The 2nd International Conference on Innovations and Challenges in Financial Technology (ICICFT 2025), themed "Shaping the Future of Finance," was successfully held on 7–8 November 2025 at CMR University, OMBR Campus, Bengaluru, India. Organized by the School of Economics and Commerce (SOEC), CMR University, the conference served as an international interdisciplinary platform for academicians, researchers, industry professionals, policymakers, practitioners, and research scholars to exchange knowledge and discuss emerging developments in financial technology. The conference sought to promote collaboration across disciplines while addressing the opportunities and challenges arising from rapid technological advancements that are transforming financial systems, business practices, governance, and sustainable development. The conference attracted enthusiastic participation from the academic and professional community. A total of 260 full-length research papers were presented across parallel technical sessions during the conference. Following an initial editorial scrutiny to assess relevance, originality, quality, and compliance with the conference guidelines, 81 manuscripts were shortlisted for peer review. These manuscripts subsequently underwent a rigorous double-blind peer-review process, with each submission being independently evaluated by at least two expert reviewers. The review process was supported by 31 reviewers from academia and industry, whose expertise ensured a fair, objective, and high-quality evaluation. Based on the reviewers' recommendations and the editorial assessment, 44 manuscripts were finally accepted for publication in the Proceedings of the 2nd International Conference on Innovations and Challenges in Financial Technology (ICICFT 2025), published in the Advances in Economics, Business and Management Research (AEBMR) series. ICICFT 2025 featured an eminent group of keynote speakers, chief guests, guests of honour, and distinguished experts representing academia, industry, government, and regulatory institutions. The inaugural session included inspiring addresses by Jogendra Singh, President and Group CFO, Hero Corporate Service Pvt. Ltd.; Prof. Sudhakar Panda, Former Chairman of the Third State Finance Commission, Government of Odisha, and Former Vice Chancellor, Birla Global University; Dr. Vineet Kumar Srivastava, Director, Department of Economic and Policy Research, Reserve Bank of India; and Prof. Bhimaraya Metri, Director, IIM Nagpur. Their deliberations highlighted the growing significance of digital finance, financial innovation, regulatory governance, economic resilience, and technology-enabled transformation in shaping the future of financial ecosystems. A distinctive feature of the conference was its series of panel discussions, which provided diverse perspectives on critical issues in financial technology and economic development. The sessions addressed themes including FinTech Innovations Accelerating India's Digital Economy, Leveraging Technology for an Inclusive and Financially Literate Society, Future of the FinTech Landscape, and India's March to Become a Global Power: Vision for Amrit Kaal. Experts from universities, regulatory bodies, financial institutions, multinational organizations, consulting firms, and industry engaged in stimulating discussions on digital transformation, financial inclusion, technological innovation, governance, public policy, and sustainable economic development. The technical programme reflected the multidisciplinary nature of financial technology research and was organized around five major thematic tracks: Finance, Management, Economics, Technology, and Sustainability. The papers presented at the conference explored a wide spectrum of contemporary topics, including regulatory compliance and corporate governance, digital banking and payment systems, blockchain and distributed ledger technologies, cryptocurrencies, artificial intelligence and machine learning in finance, robo-advisory services, crowdfunding, peer-to-peer lending, cybersecurity, cloud computing, big data analytics, Internet of Things (IoT) applications in financial services, RegTech, InsurTech, digital currencies, economic modelling, financial inclusion, strategic management, innovation management, customer relationship management, human resource management in the FinTech era, sustainable finance, Green FinTech, climate risk management, ethical considerations in FinTech development, and the role of financial technology in achieving the Sustainable Development Goals (SDGs). These contributions collectively demonstrate the increasing convergence of technological innovation, economic policy, management practices, and sustainability in shaping resilient, inclusive, and future-ready financial systems. The editors express their sincere appreciation to all authors for their valuable research contributions and to the 31 reviewers, whose rigorous evaluations, constructive feedback, and professional commitment ensured the scholarly quality of the published papers. We also extend our heartfelt gratitude to the keynote speakers, invited experts, panelists, session chairs, members of the Scientific Committee, Editorial Board, and Organizing Committee for their invaluable support and dedication. Special appreciation is extended to the leadership of CMR University and the School of Economics and Commerce for their vision, encouragement, and unwavering support in successfully organizing this international conference. We hope that the research presented in these proceedings will serve as a valuable resource for researchers, practitioners, policymakers, and industry leaders working in the rapidly evolving domain of financial technology. The published contributions are expected to stimulate further interdisciplinary research, foster innovation, inform evidence-based policymaking, and strengthen collaboration between academia, industry, and regulatory institutions. As financial systems continue to evolve in response to emerging technologies and changing global economic dynamics, ICICFT will continue to provide an international forum for advancing knowledge, encouraging collaboration, and promoting innovative solutions for a more inclusive, sustainable, and technology-driven financial future. ICICFT 2025 Conference Committee
Date: 7-8 November 2025
Location: Bangalore, India (Hybrid)
Website: NA The 2nd International Conference on Innovations and Challenges in Financial Technology (ICICFT 2025), themed "Shaping the Future of Finance," was successfully held on 7–8 November 2025 at CMR University, OMBR Campus, Bengaluru, India. Organized by the School of Economics and Commerce (SOEC), CMR University, the conference served as an international interdisciplinary platform for academicians, researchers, industry professionals, policymakers, practitioners, and research scholars to exchange knowledge and discuss emerging developments in financial technology. The conference sought to promote collaboration across disciplines while addressing the opportunities and challenges arising from rapid technological advancements that are transforming financial systems, business practices, governance, and sustainable development. The conference attracted enthusiastic participation from the academic and professional community. A total of 260 full-length research papers were presented across parallel technical sessions during the conference. Following an initial editorial scrutiny to assess relevance, originality, quality, and compliance with the conference guidelines, 81 manuscripts were shortlisted for peer review. These manuscripts subsequently underwent a rigorous double-blind peer-review process, with each submission being independently evaluated by at least two expert reviewers. The review process was supported by 31 reviewers from academia and industry, whose expertise ensured a fair, objective, and high-quality evaluation. Based on the reviewers' recommendations and the editorial assessment, 44 manuscripts were finally accepted for publication in the Proceedings of the 2nd International Conference on Innovations and Challenges in Financial Technology (ICICFT 2025), published in the Advances in Economics, Business and Management Research (AEBMR) series. ICICFT 2025 featured an eminent group of keynote speakers, chief guests, guests of honour, and distinguished experts representing academia, industry, government, and regulatory institutions. The inaugural session included inspiring addresses by Jogendra Singh, President and Group CFO, Hero Corporate Service Pvt. Ltd.; Prof. Sudhakar Panda, Former Chairman of the Third State Finance Commission, Government of Odisha, and Former Vice Chancellor, Birla Global University; Dr. Vineet Kumar Srivastava, Director, Department of Economic and Policy Research, Reserve Bank of India; and Prof. Bhimaraya Metri, Director, IIM Nagpur. Their deliberations highlighted the growing significance of digital finance, financial innovation, regulatory governance, economic resilience, and technology-enabled transformation in shaping the future of financial ecosystems. A distinctive feature of the conference was its series of panel discussions, which provided diverse perspectives on critical issues in financial technology and economic development. The sessions addressed themes including FinTech Innovations Accelerating India's Digital Economy, Leveraging Technology for an Inclusive and Financially Literate Society, Future of the FinTech Landscape, and India's March to Become a Global Power: Vision for Amrit Kaal. Experts from universities, regulatory bodies, financial institutions, multinational organizations, consulting firms, and industry engaged in stimulating discussions on digital transformation, financial inclusion, technological innovation, governance, public policy, and sustainable economic development. The technical programme reflected the multidisciplinary nature of financial technology research and was organized around five major thematic tracks: Finance, Management, Economics, Technology, and Sustainability. The papers presented at the conference explored a wide spectrum of contemporary topics, including regulatory compliance and corporate governance, digital banking and payment systems, blockchain and distributed ledger technologies, cryptocurrencies, artificial intelligence and machine learning in finance, robo-advisory services, crowdfunding, peer-to-peer lending, cybersecurity, cloud computing, big data analytics, Internet of Things (IoT) applications in financial services, RegTech, InsurTech, digital currencies, economic modelling, financial inclusion, strategic management, innovation management, customer relationship management, human resource management in the FinTech era, sustainable finance, Green FinTech, climate risk management, ethical considerations in FinTech development, and the role of financial technology in achieving the Sustainable Development Goals (SDGs). These contributions collectively demonstrate the increasing convergence of technological innovation, economic policy, management practices, and sustainability in shaping resilient, inclusive, and future-ready financial systems. The editors express their sincere appreciation to all authors for their valuable research contributions and to the 31 reviewers, whose rigorous evaluations, constructive feedback, and professional commitment ensured the scholarly quality of the published papers. We also extend our heartfelt gratitude to the keynote speakers, invited experts, panelists, session chairs, members of the Scientific Committee, Editorial Board, and Organizing Committee for their invaluable support and dedication. Special appreciation is extended to the leadership of CMR University and the School of Economics and Commerce for their vision, encouragement, and unwavering support in successfully organizing this international conference. We hope that the research presented in these proceedings will serve as a valuable resource for researchers, practitioners, policymakers, and industry leaders working in the rapidly evolving domain of financial technology. The published contributions are expected to stimulate further interdisciplinary research, foster innovation, inform evidence-based policymaking, and strengthen collaboration between academia, industry, and regulatory institutions. As financial systems continue to evolve in response to emerging technologies and changing global economic dynamics, ICICFT will continue to provide an international forum for advancing knowledge, encouraging collaboration, and promoting innovative solutions for a more inclusive, sustainable, and technology-driven financial future. ICICFT 2025 Conference Committee