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This book documents the proceedings of the International Conference on Financial Access and Transformation (ICFAT 2025), organized by the School of Business and Management at Christ (Deemed to be University) in Bengaluru, India, in collaboration with Anderson University in South Carolina, USA, and the National Stock Exchange of India (NSE). It serves as a forum for uniting scholars, researchers, professionals, and students to explore topics related to financial inclusion, digital innovation, and policy reform. The book showcases a wide array of manuscripts on modern research in fintech, sustainable finance, risk management, microfinance, capital markets, and corporate governance.

Editors:

· Dr. Arun TC

· Dr. Sreelakshmi P

· Dr. Rajiv U Kalebar

· Dr. Mareena Mathew

· Dr. Aparna R Hawaldar

Conference Chairperson:Dr. Arun TC

Convenors: W Mark Williamson, Dr. Sujit KS,Dr. Nandini M, Dr. Harshitha Moulya V, and Dr. Ravindra Babu S

Student Convenors: Anushka Gupta and Kartik Srivadsan

Published by: BALLPEN MEDIA PRIVATE LIMITED

ISBN:978-81-967565-2-9

© The authors and editors. All rights reserved.

No part of these publications may be reproduced, stored in a retrieval system, or transmitted in any form or by any means—electronic, mechanical, photocopying, recording, or otherwise—without prior written permission from the copyright holders.

Disclaimer: The authors are solely responsible for the contents of their papers. The publisher and editors assume no responsibility for errors or interpretations.

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