IOSR-JBM   Two-Day National-Level Seminar on FinTech Innovation, Inclusion, and Sustainability Sponsored by ICSSR-SRC The Department of Commerce, PG Centre, Jnanagangotri, Chitradurga 14th and 15th of February 2025.

Abstract: Artificial intelligence (AI) revolutionized digital marketing by enhancing efficiency and growth for businesses. The impact of AI on the development of digital marketing has become a major strategy to stay competitive in the digital market. Companies may expect various ideas that make data-driven decisions and increase marketing tactics with the help of AI. This paper focuses on increased sales, saving money and challenges using AI. AI tools like machine learning algorithms, chatbots, and predictive analytics to analyse consumer behavior, marketing strategies, and deliver highly targeted......

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Key Words: Artificial Intelligence, Digital Marketing, Machine Learning, Consumer Behaviour

[1]. Patel, N. (2021). How Natural Language Processing Affects Digital Marketing. Neil Patel. https://neilpatel.com/blog/natural-language-processing/
[2]. Verhoef, P. C., Stephen, A. T., Kannan, P., Luo, X., Abhishek, V., Andrews, M., Bart, Y., Datta, H., Fong, N. M., Hoffman, D. L., Hu, M. X., Novak, T. P., Rand, W., & Zhang, Y. (2017). Consumer Connectivity in a Complex, Technology-enabled, and Mobile-oriented World with Smart Products. Journal of Interactive Marketing, 40(1), 1–8. https://doi.org/10.1016/j.intmar.2017.06.001
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Abstract: Corporate Social Responsibility (CSR) is gaining increasing importance day after day. More and more organizations are showing their commitments towards CSR either for enhancing their corporate image or to stay ahead in the competition. Moreover, the emergence of different marketing innovations demands direct linkage of Corporate Social Responsibility practices with corporate business strategies. The neo-liberal development model essentially refers to liberalisation, privatisation and globalisation of the earth's resources, for greater benefit of the people. The emergence of big corporate houses and their ambition for the optimisation of individual profits has not only divided the world between the rich and poor, but has also led to an imbalance between development and environmental sustainability.
Recent studies and surveys have shown that the earth is gradually becoming a dangerous place to live, due to unsustainable human induced activities. Given that, the governments of many countries have stood up firmly, to ensure that the ongoing developmental practices remain in optimal harmony with environmental sustainability as well as human security. Hence, it can be argued that environmental and social security are not only the responsibility of the government, but demand effective participation from the corporate and business world.
The paper is an attempt to highlight the importance and benefits of Corporate Social Responsibility, as a tool to ensure greater participation of business entrepreneurs towards protecting the natural eco-system and enhancing the quality of life, while undertaking a developmental activity, rather than being a merely token engagement that it often currently is. The study will also elucidate the theoretical and practical contribution of CSR towards achieving the goal of sustainable development in India. And while CSR has taken on many forms in the Indian business world, this paper is looking at ones that can be easily replicated at both the business and individual level for sustainable development.

Keywords: Fintech, Blockchain, Artificial Intelligence, Financial Inclusion, Regulatory Compliance

[1]. Arner, D. W., et al. (2018). The Evolution of Fintech: A New Post-Crisis Paradigm? Journal of International Business Studies.
[2]. Chen, J., & Wang, Y. (2020). AI in Finance: Impacts and Challenges. Finance and AI Review.
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Abstract: The full form of fintech means Financial Technology. 21st century witnessed development on different fronts in financial technology. Finance and Technology worked with together hand by hand. This article is motivated by dramatic increase in Emphasis from Academics and professional bodies on researching fintech related applications and technology to breeds the gap between academic and professional knowledge with regard to these contemptory concepts. This article also motivated by the inclusion of intake and related technology by business organisation in their strategic plans to achieve efficient operations. This article discusses aur technology is that are associated......

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Abstract: India has emerged as one of the largest and most dynamic fintech ecosystems in the world, driving significant innovation and transformation in the banking sector. With a population exceeding 1.4 billion and a rapid pace of technological adoption, fintech has created new avenues for financial inclusion, enhanced access to capital, and improved banking efficiency. This research article examines the role of fintech in India's banking sector, emphasizing the opportunities it presents and the challenges it brings. By analyzing current trends and statistics, the article provides valuable insights into how fintech is reshaping the banking landscape in India, while also addressing the regulatory, technological, and security challenges that need to be overcome for sustained growth. The study focuses on both the opportunities and the challenges faced by fintech companies within the banking sector.

Keywords: Fintech, innovation, transformation and sustained growth

[1]. Dr.Arifabegum (2021), A Study of Opportunities, Challenges and Future Of Fintech in India, International Journal of Scientific Development and Research (IJSDR), ISSN-2455-2631, Volume-6, Issue-1Pp-273-276.
[2]. Dr. Jinti Sharma and Bipasha Sharma (2024), Fintech Adoption in Banking Sector: An Empirical Study, Business Studies (UGC - CARE Listed Journal Group I, ISSN 0970-9657) Volume – XLV, No. 1, January, 2024, Pp-108-123.
[3]. Dr.Shiva Manoj (2023), Fintech In India: Opportunities and Challenges, International Journal of Research in Finance and Marketing (IJRFM), ISSN: 2231-5985, Vol. 13 Issue 01, Pp-1-9.
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Abstract: The fintech ecosystem is undergoing a significant transformation, driven by the rapid rise of startups that are reshaping traditional financial systems. This paper explores the key players in the fintech ecosystem, including fintech startups, traditional financial institutions, big tech companies, regulators, and investors. Fintech startups, leveraging advanced technologies such as artificial intelligence, blockchain, and digital payments, are disrupting traditional banking.......

Key words : fintech ecosystem, Wealth management, financial innovations, fintech collaboration

[1]. Adhami, S., Giudici, G., & Martinazzi, S. (2018). Why do businesses go crypto? An empirical analysis of initial coin offerings. Journal of Economics and Business, 100, 64-75.
[2]. Arner, D. W., Barberis, J., & Buckley, R. P. (2016). The evolution of fintech: A new post-crisis paradigm? Georgetown Journal of International Law, 47, 1271-1319.

[3]. Chen, M., Wu, Q., & Yang, B. (2020). How fintech innovations affect the traditional banking industry: Empirical evidence from China. Finance Research Letters, 32, 101-109.
[4]. Chishti, S., & Barberis, J. (2020). The Fintech Handbook: Creating Products and Value for Fintech Startups and Banks. Wiley.
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Abstract: The rapid evolution of Financial Technology (FinTech) has profoundly impacted both individual financial management and broader work-life dynamics. This article explores the transformative role of FinTech in addressing work-life imbalance and enhancing the overall quality of life (QoL). While traditional financial management practices often led to time-consuming tasks and increased stress, FinTech solutions have streamlined personal finance management, enabling employees to reclaim time and reduce financial anxiety. The article provides a comprehensive examination of how FinTech platforms, such as mobile banking, digital payments, and investment tools, are reshaping employee well-being by improving financial security, saving time, and facilitating a better work-life balance. Through a review of recent literature and industry reports, we analyze the potential and challenges of FinTech in the modern workforce.

Keywords: Work-Life Balance, Quality of Life, Fintech Solution, Transformative Role, Technology.

[1]. Chen, L., & Zhao, Y. (2020). The role of FinTech in enhancing personal financial management. Journal of Financial Technology, 15(3), 221-237. https://doi.org/10.1016/j.jofintech.2020.03.001
[2]. Harris, M., & Lee, S. (2021). The impact of FinTech on work-life balance: A review of digital financial services. Journal of Technology and Work-Life Integration, 8(4), 74-89. https://doi.org/10.1080/1234567890
[3]. Bianchi, P., & Kumar, A. (2019). Bridging the gap: How FinTech is shaping the future of financial wellness and work-life satisfaction. FinTech Innovations Quarterly, 11(2), 45-61. https://doi.org/10.1002/fintech.2020
[4]. Dhar, V., & Singh, N. (2022). The digital revolution in finance: Empowering individuals to manage work-life balance through FinTech solutions. Financial Technology Review, 19(1), 18-34. https://doi.org/10.1007/jftr2022
[5]. Zhou, Y., & Huang, J. (2021). Exploring the potential of FinTech in improving quality of life: From financial stress to financial well-being. International Journal of FinTech and Lifestyle, 7(3), 105-120. https://doi.org/10.1108/IJFTL.2021.987654

Abstract: The enormous advancement of financial technology (fintech) has significantly transformed the financial services industry, necessitating a corresponding evolution in higher education curricula. This study examines the integration of fintech-specific content into university programs, analyzing current approaches and identifying best practices for curriculum development. This research article explores the emergence of Fintech in higher education, analyzing its integration......

Keywords: Fintech, Higher Education Institutions, Technology, University Programs, Curriculum

[1]. Arner, D. W., Barberis, J. N., & Buckley, R. P. (2016). The evolution of fintech: A new post-crisis paradigm? Georgetown Journal of International Law, 47(4), 1271-1319.
[2]. Philippon, T. (2019). The fintech opportunity. Review of Financial Studies, 32(5), 1650-1692. https://doi.org/10.1093/rfs/hhz019
[3]. Gomber, P., Koch, J. A., & Siering, M. (2017). Digital finance and fintech: Current research and future research directions. Journal of Business Economics, 87(5), 537-580. https://doi.org/10.1007/s11573-017-0852-x
[4]. Chen, Y., Li, Y., Wu, R., & Luo, X. (2020). The interdisciplinary nature of fintech education: Integrating finance, technology, and law. Journal of Financial Education, 46(2), 215-237.
[5]. UNESCO. (2021). Digital finance and SDG-4: The role of fintech in quality education. United Nations Educational, Scientific and Cultural Organization. Retrieved from https://www.unesco.org/reports

Abstract: The increasing emphasis on sustainable development has led to a growing interest in green banking, which seeks to integrate environmental and social responsibility into financial services. Simultaneously, the rise of financial technology (fintech) has revolutionized the way financial services are delivered. This paper explores the intersection of fintech and green banking, discussing the opportunities and challenges arising from their convergence, and evaluating the......

Keywords: Financial technology, Green banking, Sustainability,

[1]. Chen, L., Zhang, L., & Wang, W. (2021). Greenwashing in the digital finance industry. Journal of Sustainable Finance, 12(4), 45-67.
[2]. Ghasemi, A., Zhang, C., & Lin, X. (2021). Artificial intelligence in green banking: Potential and challenges. Finance and Technology, 8(3), 112-129.
[3]. Hwang, J., Lee, K., & Lee, M. (2023). The future of green banking with fintech: Opportunities and challenges. Sustainable Finance Review, 9(1), 101-118.
[4]. Liu, Y., Wang, S., & Li, Z. (2020). The digital divide and fintech adoption in emerging markets. Journal of Financial Inclusion, 16(2), 83-97.
[5]. Nakamura, S., Tanaka, T., & Mori, R. (2020). Cybersecurity risks in the integration of fintech and green banking. Journal of Financial Security, 14(2), 35-48.

Abstract: The informal economy in Karnataka plays a vital role in the state's economic structure, with unorganized retailers forming a significant part of this sector. This research paper examines the impact of digital transformation driven by financial technology (FinTech) on these retailers. Through case studies, survey data, and interviews, it explores how FinTech innovations are enhancing operational efficiency, promoting financial inclusion, and empowering unorganized retailers. Despite their substantial contribution to the state's economy, unorganized retailers face multiple challenges, including limited access to financial......

Key Words: Informal Economy, Unorganized Retailers, Financial Technology (FinTech), Digital Transformation, Financial Inclusion Karnataka, Digital Payments, Digital Literacy

[1]. Sharma, A., & Sharma, R. (2015). Informal sector in Chhattisgarh: An analysis. International Journal of Multidisciplinary Research and Development, 2(1), 296-300.
[2]. Shailja Bakshi, Dr. Dewasish Mukherjee (2024). Digital Transformation in Chhattisgarh's Informal Economy: The Role of Fintech in Empowering Unorganized Retailers, European Economic Letters ISSN 2323-5233 Vol 14, Issue 3 (2024).
[3]. Ramdani, B., Chevers, D., & A. Williams, D. (2019). SMEs' adoption of enterprise applications: A technology organisation-environment model. Journal of Small Business and Enterprise Development, 26(3), 323-342.
[4]. Arner, D. W., Barberis, J., & Buckley, R. P. (2015). The evolution of Fintech: A new post-crisis paradigm. Geo. J. Int'l L., 47, 1271.
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Abstract: With the advent of digital technologies, the banking sector has an unprecedented opportunity to expand financial access, improve customer experience by providing affordable financial services to underserved populations, promoting economic growth and social equality. This paper aims to examine the relationship between digitalisation and financial inclusionin the banking sector with a focus on identifying the opportunities and challenges of financial inclusion. The study employs a descriptive research design, utilising related review literature and secondary......

KEYWORDS: Financial inclusion, Digitalisation, banking sector, digital channels, mobile banking.

[1]. C. Sangeetha Kapil sai koushik – "Catalyst for Financial Inclusion " Infosys .com
[2]. Mandira Sarma and Jesim pais (2010). " Financial inclusion and Development" Journal of International development J/Int.Dev.23, 613-628
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Abstract: Green fintech is emerging as a critical force in transforming India's financial sector by integrating sustainability into digital finance. This paper explores how green fintech innovations, such as sustainable lending platforms, contribute to India's environmental and financial goals. By analyzing case study of RevFin Services Private Limited the impact, challenges, and future potential of green fintech in India has been analysed. From the study it is revealed that RevFin's innovative approach to digital lending, strategic partnerships, and focus on underserved markets position it as a key player in promoting sustainable finance and accelerating the adoption of electric vehicles in India. Despite many challenges, Revfin has managed to make strides in promoting and supporting sustainable transportation solutions....

Keywords: Green fintech, sustainable lending platforms, RevFin.

[1]. Addy, W. A., Ofodile, O. C., Adeoye, O. B., Oyewole, A. T., Okoye, C. C., Odeyemi, O., & Ololade, Y. J. (2024). Data-driven sustainability: How fintech innovations are supporting green finance. Engineering Science & Technology Journal, 5(3), 760-773.
[2]. Gholap, A. T., Santhosh, C. H., Ambreen, B., & Ram, S. T. (2024). Fintech And Sustainable Finance: A Review Of Environmental, Social, And Governance (Esg) Integration. Educational Administration: Theory and Practice, 30(5), 6816-6824.
[3]. Kumar, R., Goel, R., Singh, T., Mohanty, S. M., Gupta, D., Alkhayyat, A., & Khanna, R. (2024). Sustainable finance factors in indian economy: analysis on policy of climate change and energy sector. Fluctuation and Noise Letters, 23(02), 2440004.
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Abstract: FinTech in India is undergoing a remarkable transformation, fueled by a combination of cutting-edge technology, supportive government policies, and an emphasis on financial inclusion. With a rapidly growing digital economy, India's FinTech sector is not only reshaping banking and payments but also revolutionizing lending, wealth management, and insurance.The present paper focuses on the Fintech's contribution to India's digital revolution, Key Trends shaping the future of Fintech in India and Challenges and opportunities of Fintech.

Keywords: Fintech, Digital Revolution, Challenges and opportunities

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