The Fintech Matrix

Dr. Neha Garg, Ph.D., UGC-NET, MBA (Finance), B.Com. (Hons.) graduated from Ramjas College, Delhi University and is an ex-banker from Bank of Maharashtra. She did her MBA (Finance) at IBS, Hyderabad. She did her Ph.D. on artificial intelligence in banking from banker's perspective at Bharati Vidyapeeth Deemed to be University (Pune). Her present research interest areas are finance, banking, research analytics, business analytics and fintech. She has also co-authored a book on business analytics. She has published several research papers in UGC-Care, Scopus Indexed journals and presented her research work at national and international conferences. She is also a reviewer for many journals of high repute. She has also received the Women Leadership Award for her valuable contribution in the field of financial literacy.

Dr Anoop Pandey, Ph.D., M.Com., B.Com. is an excellent academician and researcher and is presently working as Professor in the Department of Commerce in Dr. BGR Campus, Hemwati Nandan Bahuguna Garhwal University (A Central University) Uttarakhand. He has over 20 years of experience in the field of teaching and research. He has successfully completed 7 research projects and published 120 plus quality research papers in reputed and indexed journals. Seven Ph.D. scholars have been awarded doctorate degrees under his guidance and he has published 3 patents successfully. His major publication is in the field of SMEs and entrepreneurship sectors. He has been a resource person in many research workshops, seminars and conferences. Presently he is working as a Project Director for an ICSSR Sponsored research project titled "Strategic Technology Adoption and Acquisition: A Review of Policy Intervention and Performance of SMEs in India."

Ms. Nupur Tygai, M. tech, B.tech holds an M.Tech degree in cyber security from Swami Vivekanand University Meerut, and a B.Tech degree from Subharti University Uttar Pradesh. With a strong foundation in information technology and cybersecurity, she has built a multidisciplinary career at the intersection of technology, finance, and education. She has worked with various FinTech companies, gaining practical insights into digital finance, secure transaction systems, and the application of cybersecurity principles in financial technologies. With 4 years of corporate experience and 3 years of academic teaching, she brings a unique blend of industry expertise and academic depth. Her interests include network security, ethical hacking, cyber risk management, blockchain security, and the development of secure financial platforms. She is active researcher in cybersecurity and FinTech innovation.