I am an Associate Professor of FinTech and Information Systems in National Institute of Bank Management. I have a strong interest in applied and impactful research. My research focuses on how the use and adaptation of new digital technologies impact individuals, organisations, and society. My current research interests include financial technologies (FinTech), Financial Inclusion, Blockchain Technology, Artificial Intelligence, and Digital Transformation.My research has been published in leading journals such as the Qualitative Research in Financial Markets, Journal of Risk and Financial Management, Economic and Political Weekly, Journal of Internet Banking and Commerce, South Asian Journal of Management, FIIB Business Review and Indian Journal of Economics among others.I have more than 20 years of enriching experience in Management Education, Executive Training, Post Graduate Teaching & Academic Research, International Training & Consulting in the area of Digital Financial Services & Financial Technologies.Specialities: Digital Banking & Payments, Cryptocurrency and Central Bank Digital Currency(CBDC), FinTech, Digital Financial Inclusion, Digital Lending, Artificial Intelligence, Blockchain Technology, Web 3.0/ Metaverse and Cyber SecurityHonors : 1)Was invited to a panel discussion on 'To CBDC or not to CBDC...?' by Federal Reserve Bank of New York(FRBNY) in New York city during June 2023. This panel was part of a Compliance conference organized by FRBNY where there were participation by Central Bankers from different countries, 2)Provided guidance to Ministry of Finance, Government of India for creating a concept paper/cabinet note for facilitating cashless payments in India during May-June 2015Education: Phd(Payment Systems), M.Tech(Computer Application), B.E.(Mechanical)