Recognized by UGC

School of Economics and Commerce (SOEC)

Presents

Second International Conference on

Innovations and Challenges
in Financial Technology - ICICFT 2025
Shaping the Future of Finance
07th November 2025 - 08th November 2025

Conference Proceedings Book Chapter Options WOS Journal Inclusion

Accepted papers will be published as Authors can choose to publish their A selection of top papers will be
conference proceedings. Each will work as a book chapter. This provides considered for publication in Scopus/
receive an ISBN number. a distinct publication pathway. Web of Science (WOS) indexed
journal.

In Collaboration with
Introduction
The introduction of financial technology, commonly known as
FinTech, has revolutionized the global financial landscape. By
leveraging cutting-edge technologies such as blockchain, artificial
intelligence, big data, and machine learning, FinTech has
significantly transformed traditional financial services. This
transformation is not limited to improved efficiency and
convenience but also extends to enhanced financial inclusion,
innovative payment solutions, and more personalized financial
products. As FinTech continues to evolve, it brings forth a countless
of opportunities and challenges across various sectors. The
Innovations and Challenges in Financial Technology: Shaping the
Future of Finance, aims to provide a comprehensive platform for
academia, industry experts, policymakers, and practitioners to
converge and discuss the latest advancements, trends, and
challenges in the FinTech domain.

About CMR University

CMR University (CMRU), Bangalore is a private university in the
state of Karnataka, established under the Act 45 of 2013. The
University fosters creative communities where new ideas are
nurtured, new discoveries made, and new creations shared. CMRU
works with the vision “To nurture creative thinkers who will drive
positive global change.” CMR University aims to promote and
undertake the advancement of university education across a
plethora of disciplines viz architecture, design, engineering, law,
management, economics & commerce, social sciences &
humanities, education, and science studies. The University also
aims to equip students with the required skills and knowledge to
pursue a successful career in their chosen field of study.

About the Conference

The financial industry is undergoing an intense transformation
driven by technological advancements. FinTech encompasses a
wide range of applications, including blockchain, cryptocurrencies,
digital payments, and robo-advisors, which are reshaping the way
financial services are delivered and consumed. This conference
aims to create a collaborative environment for stakeholders to
share knowledge, discuss challenges, and envision the future of
FinTech. By bringing together experts from various fields, the
conference will facilitate meaningful dialogue and foster
partnerships that will drive innovation and growth in the FinTech
sector.

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About the School
Be it an emphasis on Collaborative Learning, interaction with experts,
professional skills, or relevant curriculum, CMR University’s School of Economics
and Commerce(SOEC) ensures that students of Economics and Commerce are
empowered with the right skill sets for successful lives. Through our high quality
academic programmes, we groom students with the aim to make them industry-
ready professionals armed with hands-on knowledge in their selected field of
specialization. Strong tie-ups with our globally known knowledge partners and
legacy of the CMR Group in the field of education complements this unique
learning journey at CMR University.

Themes and Sub-Themes

Finance
FinTech Innovations in Banking and Payments
Investment Strategies in the Age of FinTech
Risk Management and Compliance in FinTech
Crowdfunding and Peer-to-Peer Lending
Digital Wallets and Mobile Payments
FinTech Solutions for Wealth Management
Robo-Advisors and Automated Financial Services
Blockchain and Cryptocurrency in Financial Services

Management
Leadership and Organizational Change in FinTech Firms
Human Resource Management in the FinTech Era
Strategic Management and Competitive Advantage in FinTech
Customer Relationship Management and FinTech
Innovation Management in Financial Services
Project Management in FinTech Implementations
Marketing Strategies for FinTech Products
Regulatory Compliance and Corporate Governance in FinTech

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 Technology
Blockchain and Distributed Ledger Technologies
Artificial Intelligence and Machine Learning in Finance
Cybersecurity Challenges in FinTech
Big Data Analytics and Financial Decision-Making
Internet of Things (IoT) in Financial Services
Cloud Computing and FinTech Infrastructure
FinTech Applications in InsurTech
RegTech: Regulatory Technology in Financial Services

Economics
Economic Impacts of FinTech Innovations
FinTech and Economic Inclusion
Digital Currencies and Economic Policy
The Role of FinTech in Developing Economies
FinTech and Global Financial Stability
Economic Modeling and Forecasting in FinTech
Microfinance and FinTech Solutions
FinTech and the Future of Work

Sustainability
Sustainable Finance and Green FinTech
Environmental Impact of FinTech Solutions
Corporate Social Responsibility in the FinTech Sector
FinTech for Sustainable Development Goals (SDGs)
The Blue Economy and FinTech: Financing Sustainable Ocean-Based Industries
FinTech for Climate Risk Management
Ethical Considerations in FinTech Development
Social Impact and Inclusive FinTech Solutions

Registration Fee
S.No Category Early Bird Non - Early Bird

1 Students Rs. 1000 Rs. 1200

2 Research Scholars Rs. 1200 Rs. 1500

CMRU - Rs. 1500 CMRU - Rs. 2000

3 Academician
Outside - Rs. 2000 Outside - Rs. 2500

4 Industry Delegates Rs. 2500 Rs. 3000

5 Foreign Authors $200 $250

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 Schedule
Day & Date Session Topic

8.30 A.M. To 9.45 A.M. Registration

10.00 A.M. To 10.30 A.M. Inaugural Session

07.11.2025
11.30 A.M. to 1.00 P.M. Technical Session I
Friday

2.00 P.M. to 3.30 P.M. Technical Session II

3.45 P.M. to 5.15 P.M. Paper Presentation

10.00 A.M. to 11.30 A.M. Technical Session III

11.45 A.M. to 1.00 P.M. Technical Session IV

08.11.2025
Saturday
2.00 P.M. to 3.30 P.M. Paper Presentation

3.45 P.M. to 5.15 P.M. Valediction

Paper Submission Guidelines

Authors are invited to submit original research papers based on the themes and subthemes of the
conference. Submissions with less than 10% plagiarism will be considered for acceptance. Both the
abstract and full paper must be submitted electronically in a Microsoft Word document format through the
google form https://forms.gle/6fDznf1puqpeJsrK9. Papers should follow the specified format: A4 size,
single-column layout with 1.5 line spacing, using Times New Roman font size 12. References must adhere to
APA style, and the total length of the paper, including references, should not exceed 10 pages.

Rigorous Review & Selection

Thorough Review Process - All submitted papers will undergo a comprehensive peer-review process. Reviewers
will be selected for their expertise.
High-Quality Acceptance - We aim to accept approximately 30% of submissions, focusing on high-quality,
impactful research. This ensures a strong program.

Conference Attractions
Opportunity to publish in Scopus, Web of Science (WOS) Journals
Global Interaction with leaders in Academics and the Corporate World
Conference Proceedings with ISBN from Renowned Publishers
Best Research Paper Award

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 Important Dates
Paper submission opens: 20th June 2025
Paper submission closes: 15th August 2025
Notification of acceptance: 1st September 2025
Early bird registration (Deadline): 7th September 2025
Final camera ready paper: 30th September 2025
Registration Deadline: 7th October 2025
Conference dates: 07.11.2025 To 08.11.2025
National Advisory Committee
Prof. K. R. Jalaja, Vice Chancellor (Acting), Bengaluru City University
Prof.M.M.Goel, Ex-Vice Chancellor Starex University Gurugram.
Dr M Ramachandra Gowda, Ex-Vice Chancellor, Rani Chenamma University, Belagavi.
Prof. Sudhkar Panda, Ex-Vice Chancellor Birla Global University Bhubaneshwar.
Dr. S. R. Keshava, Senior Professor & Head, Department of Economics, Bangalore University, Karnataka
Dr. C. Vethirajan, Senior Professor and Head, Department of Corporate Secretaryship, Alagappa University
Dr. S.P. Ravi, Principal, SCST Govt College, Malladihalli, Davanagere University
Dr.Vineet Srivastava, Director RBI, Mumbai.
Dr K Nirmala, Dean and Chairperson, Department of Commerce, Bangalore University, Bangalore
Prof.Prahlad Kumar, Ex-Dean Faculty of Commerce, University of Allahabad.
Prof.P.N. Mehrotra, Ex-Dean Faculty of Commerce, University of Allahabad.
Prof.Rohini Prasad, Ex-Vice Chancellor, Sant Gahira Guru University, Chhatishgarh.
Prof.Rekha Jagannath, Director, Maharani Lakshmi Ammanni Social Science Research centre, Bangaluru.
Prof.B.K Mohanty, Ex-Director, IIM Lucknow.
Prof.M.M.Krishna, Ex-HOD, Department of Economics, University of Allahabad.
Dr.Satheesh Kumar, Visiting Professor, Kerala University of Digital Sciences, Innovation, and Technology
Dr. M. Sumathy, Professor & Head, Department of Commerce, Bharathiar University, Tamilnadu
Dr.Senthil Velmurugan, Professor, Periyar University, Salem
Dr.A. Saravanadurai, Professor, Department of Economics, Periyar University, Salem
Dr. Shacheendran V, Professor & Head, Post Graduate Department of Commerce, GPM Government College,
Manjeswaram, Kerala
Dr.G.Kavitha, Head, PSGR Krishnammal College for Women, Coimbatore.
Dr.Moorthy.D, Associate Professor & Head, Sri Ramakrishna College, Coimbatore
Dr.Usha Kiran, Prof & Head (Retd.,), ICSSR_Director (Sotuh Region) , Hyderabad.
Dr. Srinivas K T, Professor, Department of studies in commerce, Davangere University, Karnataka
Prof. (Dr.) Navjit Singh, HOD MBA Dept., Chandigarh University, Punjab.
Dr. Surya Prakash, Professor, Great Lakes Institute of Management, Haryana.
Dr. Ramesh Salian, Professor, Centre for Economic Studies and Planning, Jawaharlal Nehru University, New Delhi.
Dr Bandaru Srinivasa Rao, Professor, Department of Management Studies, Vignan's Foundation for Science,
Technology & Research (Deemed to be University), Andhra Pradesh
Dr. D. Padmavathi, Professor and Head, Department of Commerce, Sri Ramakrishna College of Arts and Science for
Women, Tamilnadu.
Dr.C.Paramasivan, Professor , Department of commerce , Thanthai Periyar Government arts and science college
triichi, Tamilnadu
Dr.CK.Muthukumaran, Professor & Director i/c, Department of Disaster Management, Algapppa University, Karaikudi
Dr. D. N. Sansanwal, Head and Dean (retired), Faculty of Education, Devi Ahilya University, Indore.
Dr. Mrs. Veena Kumari B.K, Principal, NITTE University, Mangalore
Dr. Radhakrishnan P, Associate Professor and Head, Dept of BPS & BI, Sri Krishna Arts and Science College,
Coimbatore.
Dr. Remya Lathabhavan, Associate Professor (OB&HRM), IIM Bodh Gaya
Dr. Ravi Akula, Dean, Faculty of Commerce, Mahatama Gandhi University, Telangana.
Dr Parvin Banu, Associate Professor & Head, Department of International Business, Sri Ramakrishna College of Arts
and Science, Coimbatore
Dr Ranbir Sheoran, Associate Professor, School of Engineering & Technology, BML Munjal University, Haryana.
Dr G Barani, Associate Professor, BSMED, Bharathiar University, Tamilnadu
Dr.Priyakumari S.V, Associate Professor & Head, Department of P.G. Studies and Research in Commerce, Sri
Dharmasthala Manjunatheshwara College Ujire, Karnataka.
Dr. Suresh Babu KN, Associate Professor, Department of P.G. Studies and Research in Commerce, Sri Dharmasthala
Manjunatheshwara College Ujire, Karnataka.
Dr. Rethy B Menon, Assistant Professor (Sr.Gr), Amrita Vishwa Vidyapeetham(Deemed to be University), Mysuru
Campus
Dr Vijay Prakash Sharma, Assistant Professor, School of Management, KR Managalam University, Haryana.
Dr. Muruganandan S, Assistant Professor, GITAM School of Business, Hyderabad
Dr.M.Sakthivadivel ,Assistant Professor, Dr. Mahalingam College of Engineering and Technology (MCET), Tamilandu
Dr. Mitta Sekhara Gowd, Professor & Head, IIC, KIT, Tiptur, Karnataka. 6
 Corporate Advisory Committee
Mr. Jogendra Singh, President & Group CFO at Hero Corporate Service P Ltd
Ms. Suja Warrier, Director, Wequity (Ex Infosys) , Bangalore.
Ms. Steffi Fernandes, Global Head of People Operations, Talent Strategy & Mobility Expert, London
Dr. Sheela Reddy, Managing Director- Plants Basket, Bangalore.
Mr. Jacob Crasta, Founder Chairman, CM Envirosystems, Bangalore
Mr. Akhil Sharma, CFO, Ras Al Khaimah International Airport, UAE
Dr. K. Gayathri Reddy, Executive Director, MGIRED, Karnataka
Ms. Shilpi Tandan, Associate Director, KPMG

International Advisory Committee

Dr Nishani Ekanayake, Lincoln International Business School, University of Lincoln
Dr.B. Nimalathasan, Professor & Dean, University of Jaffna, Srilanka
Dr. Jeyendira Shankar, Professor, University of Technology, Bahrain
Dr Giovanni Calice, Associate Professor, Loughborough University, UK
Prof. (Dr.) Sarah Jones, Swansea University, UK.
Prof. (Dr.) Stephen Murphy, Trinity College, University of Dublin, Ireland.
Dr. Jie Sheng, Associate Professor, Queen Mary University of London, UK.
Dr. Himanshu Choudhary, Partner Development Consultant, Intuit, Toronto, Canada.
Prof. (Dr.) Urban Jermann, Wharton School of Business, University of Pennsylvania, USA.
Prof. (Dr.) A. Craig MacKinlay, Wharton School of Business, University of Pennsylvania, USA.
Prof. (Dr.) Andrew B. Abel, Wharton School of Business, University of Pennsylvania, USA.
Prof. (Dr.) Ragan Gupta, University of Pretoria, South Africa.
Prof. (Dr.) A Guariglia, University of Birmingham, UK
Prof. (Dr.) Satish Chand, Australian National University, Australia.
Dr. Anil Kumar, Professor, Guildhall School of Business, London Metropolitan University, UK.
Dr Christopher Berry, University of Chicago, USA.
Prof. (Dr.) Raluca Antonie, Babeş-Bolyai University, Cluj-Napoca, Cluj, Romania.
Prof. (Dr.) Haiming Hang, University of Bath, UK.
Prof. (Dr.) David Higgins, University of Leeds, UK.
Prof. (Dr.) Sanjit K. Roy, University of Western Australia, Australia.
Dr. Cristina Dragomir, Associate Professor, Constanta Maritime University, Romania
Prof. (Dr.) Jeyaraj Sonai Singaram,Guangxi University for Nationalities, Guangxi, Nanning, P.R.China.
Dr.P.Karthika, Associate Professor, College of Business & Economics, Kebri Dehar University, Ethiopia
Dr. Jeena Ann John, Assistant Professor, University College of Bahrain

Institutional Advisory Committee

Dr. Shreedhara. M - Joint Registrar , Evaluation, CMRU
Dr. Glan Devadhas George - Director, DORI, CMRU
Dr. Kannan N - Dean, School of Engineering & Technology, CMRU
Dr. Subramanya T. R - Dean, School of Legal Studies, CMRU
Dr. Vaithiyanathan Kittappa, Dean, School of Management, CMRU
Dr. Latha Krishnan - Dean, School of Liberal Studies, CMRU
Dr. Sudhir Routray - Dean (i/c) , Academics, CMRU
Dr. Rajat Gera - Director, School of Management, OMBR Campus, CMRU
Dr. Praneshwaran - Director, School of Legal Studies, CMRU
Dr. Purna Prasad Arcot - Director, School of Management, Lake Side Campus, CMRU
Dr. Ashok Kumar Thavani Andu - Director, School of Science & Computer Studies, CMRU
Dr. Muralidhar Reddy - Director, School of Architecture, CMRU
Dr. Aleksandra Rotar - Director, School of Design, CMRU 6
Mr. Raj Kumar Chakraborty - Director, Marketing, CMRU & CMRGI
 Chief Patrons
Dr. K. C. Ramamurthy, IPS (Retd.)
Chairman - CMR University & CMR Group of Institutions,
Former Member of Parliament, Rajya Sabha
Dr. Sabitha Ramamurthy
President - CMR Jhanadhara Trust,
Chancellor, CMR University, Bengaluru
Shri K. R. Jayadeep
Pro – Chancellor, CMR University,
CEO, CMR Group of Institutions, Director, Ekya Schools
Dr. Tristha Ramamurthy
Provost, CMR University, Bengaluru
Vice President, CMR Group of Institutions, Founder, Ekya schools, Bengaluru

Patron
Prof. (Dr.) H. B. Raghavendra
Vice Chancellor, CMR University, Bengaluru

Co - Patrons
Dr. Praveen R
Pro Vice Chancellor, CMR University, Bengaluru
Dr. Dhanamjaya M
Registrar, CMR University, Bengaluru

Conference Chair
Dr. Bhupendra Bahadur Tiwari
Professor & Director, School of Economics and Commerce, CMR University, Bengaluru

Organizing Chairs
Dr. Ranjithkumar S
Professor & Campus Coordinator ( SOEC -HRBR)
Dr. Rajeena Syed
Associate Professor & Campus Coordinator (SOEC -OMBR)
Organising Secretaries
Dr. Nilaish, Assistant Professor, SOEC, CMRU.
Dr. Musaib Ahmad Shariff BA, Assistant Professor, SOEC, CMRU.
Dr. Kahkasha Safi, Assistant Professor, SOEC, CMRU.
Dr. Chandrashekhar R, Assistant Professor, SOEC, CMRU.

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 Publicity Chair
Dr. Eswara Reddy, Professor, SOEC, CMRU.
Mr. Karthik J.P, Assistant Professor, SOEC, CMRU.

Publication Chair
Dr. Chidananda H.L., Associate Professor, SOEC, CMRU.
Dr. Mohammed Nabeel. K, Assistant Professor, SOEC, CMRU.

Finance Chair
Dr. Karthik P, Assistant Professor, SOEC, CMRU.
Dr. B.M Hariharan , Assistant Professor, SOEC, CMRU. .

Organising Committee
Ms. Shakila . A, Assistant Professor, SOEC, CMRU.
Ms. Aishwarya P, Assistant Professor, SOEC, CMRU.
Ms. Syeda Tasmiya. A, Assistant Professor, SOEC, CMRU.
Ms. Jennifer Lewis, Assistant Professor, SOEC, CMRU.
Mr. V Bhanu Krishna, Assistant Professor, SOEC, CMRU.
Ms. Kavya Dakshinamurthy, Assistant Professor, SOEC, CMRU.
Ms. Muthamma B.U, Research Scholar, SOEC, CMRU.
Ms. Poonum S. Raibaagi, Research Scholar, SOEC, CMRU.
Ms. Savitha D, Research Scholar, SOEC, CMRU.

Contact Details
Dr. Mohammed Nabeel. K, Assistant Professor, 7907152074, [email protected]
Dr. Syed Rajeena, Associate Professor, 9986560320, [email protected]
Dr. Ranjithkumar S, Professor, 8144470966, [email protected]
Dr. Bhupendra Bahadur Tiwari, Director, [email protected]

Communication: [email protected]
Registration Link: https://forms.gle/6fDznf1puqpeJsrK9
Venue: CMR University, OMBR Campus, Chikka
Banaswadi Rd, Bhuvanagiri, Lakshmamma
Layout, Banaswadi, Bengaluru, KA – 560043