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Tag: career in Fintech

The Significance of Blockchain in Finance: Upcoming Trends

Posted on by Imarticus Learning

In recent times, blockchain technology has been massively reshaping the finance sector. A blockchain is a digital record book of all cryptocurrency transactions. It is growing rapidly as “completed” blocks are added with a new set of recordings. 

As the financial sector boosts digital transformation using an array of technologies, including blockchain, a fintech certification can help individuals looking to stay ahead of the curve.

Meanwhile, this blog will explore the significance of blockchain in finance and discuss the upcoming trends that are designing the industry.

The Foundation of Blockchain Technology

Before stepping into upcoming trends, it’s important to learn the principles of blockchain technology. A blockchain is a decentralised, distributed ledger that keeps transaction records across a network of computers from its core. That is why the transactions are grouped into blocks and linked sequentially, making it a safe and immutable chain. 

Advantages of Using Blockchain in Finance

The use of blockchain in finance has several advantages

  • The involvement of blockchain helps lower the cost and make the transaction faster.
  • It enhances security and transparency. 
  • It helps reduce the risk of fraudulent activities. 
  • It improves customer service and promotes innovation in the financial sector. 
  • Blockchain can help lower the burden of compliance costs.

Blockchain can help increase efficiency in payment systems and simplify transactions. Enrolling in a fintech certificate course can help prospective fintech professionals understand the advantages of blockchain and its position in bolstering the future of the finance industry. 

Use Cases of Blockchain in the Financial Sector

The finance sector is only beginning to explore blockchain technology’s use for several applications. Here are a few of those applications:

  • Cryptocurrencies: Blockchain changed the way we exchange value online. This is done through cryptocurrencies like Bitcoin and Ethereum. 
  • Asset tokenisation: Blockchain helps convert tangible assets like art, real estate, among other things, into digital tokens. These can subsequently be traded on blockchain networks.
  • Asset management: Creating decentralised asset management platforms with blockchain allows users to trade and manage their assets directly without going through intermediaries like investment firms.
  • Regulatory compliance: Using blockchain helps financial institutions streamline compliance processes. This can be achieved by recording and sharing transaction data securely and auditably, minimising the risk of fraud and ensuring adherence to regulatory requirements. 

Credit scoring, settling security claims, CBDCs, supply chain finance are other real-world applications of blockchain technology in the finance industry.

Upcoming Trends in the Application of Blockchain

There has been an increase in the relevance of blockchain in the current times. This blog discusses some upcoming blockchain technology trends we can expect in 2023. However, if you want to understand the relevance of blockchain technology better and establish yourself as an expert, consider taking up fintech courses online.

1. FinTech

The tokenisation of assets, adoption of smart contracts, and the enhanced emphasis on data security will be more visible than ever in the coming years. These trends envision a future where transactions will no longer rely on intermediaries. This shift promises to significantly accelerate transaction speeds while concurrently upholding the transparency of financial operations through blockchain technology.

2. Non-Fungible Tokens

The emergence of NFTs (Non-Fungible Tokens) is a prominent blockchain trend. By leveraging blockchain technology, particularly platforms like Ethereum, NFTs provide secure and transparent transactions. Each NFT is a distinct token containing metadata and references to the asset it signifies. 

3. Decentralised Finance (DeFi)

Another notable trend in the blockchain space is the swift adoption of Decentralised Finance (DeFi), marking a transformative shift in financial services. DeFi enables individuals to securely safeguard their assets in digital wallets through smart contracts, eliminating the necessity for traditional banking services and their fees. This transformative application of blockchain technology holds the potential to profoundly influence the future of finance as its adoption accelerates at a remarkable pace.

4. Cryptocurrencies

Cryptocurrencies and payment systems built on blockchain technology heavily rely on it. These innovations harness blockchain’s potential by using decentralised peer-to-peer networks to store transaction data securely. This eliminates the need for centralised intermediaries like traditional banks. This shift reduces transaction expenses and enhances security measures. It also meets the growing demand for high-performance systems that help execute transactions more efficiently.

Conclusion

Blockchain technology can redesign the financial sector and bring transformative changes in financial transactions. The blockchain’s decentralisation, transparency, and security make it the best platform for financial institutions, guaranteeing cost reduction, efficiency, and increased customer trust.

If you are looking to establish yourself as an expert in fintech, Imarticus Learning has some of the best fintech certifications for you. The Professional Certification in Fintech by Imarticus Learning helps individuals partner with industry experts and gain in-depth knowledge from the best-in-class faculty. Enquire today to learn more!

Financial Statement Fraud Detection: Uncovering Red Flags and Warning Signs

Posted on by Imarticus Learning

Financial statement fraud is a well-known offence wherein certain staff members, management, etc. use false information to raise the bar or enhance the reputation of the business. Its main objective is to give potential customers a good impression of the business’s track record for increasing revenue.

When compared to other types of fraud, financial statement fraud cases are relatively rare because they can harm the company’s development and cause sizable losses. By regularly conducting audits, such frauds are easily debunked. 

Through our Professional Certificate in Fintech, you can gain a broad understanding of finance and master the fintech industry. Enrol in our financial technology classes to broaden your area of expertise and earn your fintech certification.

Types of Financial Statement Frauds

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Committing fraud in the business sector is not a new thing. It comes in various kinds of forms, which include bribery, exploitation, etc.

Most financial statement frauds are committed after knowing its consequences. While most of them are intentional, there are a few that are not.

 1. Inflated revenue

Fraud can be committed by a business if they declare funds as received before providing the requested goods or services. This can be achieved by recording anticipated future sales or sales that are unclear in advance. By inflating its sales, the corporation paints a false picture of its financial situation, which could drive up the price of its stock.

 2. Fabricated statement receipts

By creating fabricated statement receipts of goods that are not sold or by making false invoices of sales or altering the actual invoices given to the customer, statement receipts can be fabricated.

3. Accounting period difference

For a particular accounting period, they generate different revenue, where understated revenue is displayed, and another one is generated that serves as a reserve, which is claimed up later. The display of invoices for upcoming sales for which payment is not reserved is another method of committing this kind of fraud. 

4. Inflated assets

Inflated assets occur when a company increases the net worth of its assets, resulting in increased net income and retained revenue. They may neglect to apply valuation reserves or depreciation schedules, causing an increase in the share price of the shareholders.

5. Covering up responsibilities 

It is a form of fraud where some businesses hide their obligations in order to boost shareholder equity. The situations that are most frequently observed are those in which loans, warranties, etc. are not concealed and the health benefits offered to the employees are not reported.

 6. Lack of disclosure

In the majority of businesses, proper or adequate information is not disclosed, which can occasionally be deceptive. In this kind of financial statement fraud, the events or other items that are most notable are left out of the financial statements. It is significant because any accounting changes have a significant impact on the financial statements.

7. Providing false information on expenses

The failure to disclose accurate information about a company’s financial expenses is another instance of financial statement fraud. These components are considered the important ones; hence, when the expenses are not described honestly, the revenue of the company is overstated, creating a false image of the company.  

8. Exploiting information

One of the most important aspects of financial fraud is its exploitation. The majority of the time, fictitious expenses are reported for personal or individual gain. Such exaggeration of revenue results in a false image of the company’s financial health.

Warning Signs

During an investigation of the financial statement, there are certain red flags that should be considered or looked into. Those warning signs are divided into four categories

  • Financial signs

This category of warning signs includes circumstances where there is an increase in revenue but no indication of an equal increase in business, as well as scenarios where one company is making a lot of money while others are struggling to stay afloat. The alteration of documents and an increase in business towards the end of the year also indicate the same warning signs. Any discrepancy in the financial sector falls under this category of warning signs.

  • Behavioural signs

Technical evidence suggests that most businesses engage in at least one behavioural fraud. An environment where committing fraud might be tempting is created by circumstances where a particular employee adopts a luxurious lifestyle that exceeds the limits of his paycheck, the abrupt replacement of the auditor later results in the loss of paperwork, and employees who lack experience.

  • Organisational signs

Fraud is more likely to occur in a setting where the system and employees are ineffective. Fraudsters use the system to commit additional fraud when employees are constantly changing and the system is insufficient. These fraud techniques frequently take place when a company has unreliable employees or when a single person makes all of the company’s decisions.

  • Business signs

Potential fraud can be indicated by external variables. One of the circumstances under which business frauds take place is an increase in revenue at specific times when expenses are low.

Conclusion

Financial statement frauds are just as common in a world where committing fraud in most industries is a common occurrence. Financial statement fraud and its victims are growing every day. In general, they are taking advantage of the average person by undermining their faith in businesses. Financial statement fraud must be avoided as it destroys the trust of the common man. In order to prevent such frauds, the warning signs must be carefully read and understood, allowing for the detection of frauds and their subsequent punishment.

Understand more about such frauds committed in the financial statement section by enrolling in the Professional Certificate in Fintech course and have explicit knowledge about finance by taking finance technology classes. Look into the official website of Imarticus Learning to learn more.

How Robotic process automation is revamping Fintech?

Posted on by Imarticus Learning

Are you interested in the most recent developments in Fintech?

Let’s introduce you to robotic process automation, RPA, and how it transforms the financial sector. RPA in Fintech has changed financial institutions’ operations, making it more than a trendy term.

No longer are robots the metal machines of our dreams. They are software applications in the IT industry that may automate processes and boost productivity. One sector that is utilizing robot power is Fintech.

Robots are used by fintech businesses to automate anything from fraud detection to client support. Human staff will have more time to devote to difficult jobs, including developing client connections. Customers now have a better overall experience with financial businesses.

For instance, a robot can respond to client inquiries concerning investments or insurance plans. Customers may receive assistance whenever needed because this is possible around the clock. Robots can also spot fraudulent transactions, which aids in keeping clients’ money safe.

Robotics-using fintech firms are at the cutting edge of innovation. They are improving the consumer experience and increasing access to financial services. So avoid picturing a metal machine the next time you think of a robot. 

In this post, we’ll look at how RPA’s accuracy, speed, and cost-effectiveness are advancing Fintech. Discover how RPA may improve your business and your financial operations by reading on.

Broad View of Robotic Process Automation

RPA in financial services is the term for using automated software to carry out processing activities. RPA is a type of business processing software that enables automated processing or a “robot” to take over human actions and duties within digital systems.

RPA software is intended to lighten the load of time-consuming, repetitive jobs. Banks and other financial organizations may boost production and efficiency by providing real-time client responses and utilizing the advantages of robot use in routine tasks. Due to the amount of training and adjustments required to transition to a new system, adopting RPA software may take time and effort. However, the advantages of using RPA software might easily surpass these expenditures.

Imagine a horde of digital assistants working diligently to do complex jobs, handle data, compute figures, and ensure everything functions well. This is the magic of Robotic Process Automation (RPA). In a nutshell, RPA involves training software robots (or ‘bots’) to mimic human actions in digital systems. These bots perform repetitive, rule-based tasks faster, more accurately, and without the fatigue that can sometimes plague humans.

What impact does RPA have on the financial industry?

Let’s now focus on the Fintech sector of the economy. The financial sector thrives on speed, precision, and accuracy, and that’s where RPA swoops in like a tech-savvy superhero.

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Processing invoices is a laborious and time-consuming operation. 50% of businesses pay $5 to $25 for each hand-processed invoice. This may add up to a sizable sum for financial institutions and fintechs processing big volumes of invoices each month.

However, what if there was a method to automate the processing of invoices while saving money? Robotic automation processing (RPA) can help with it. RPA software robots may be configured to automate every step of the invoice processing workflow, from data extraction and scanning through verification and system entry. This can save expenses and increase accuracy while allowing human workers to concentrate on more critical duties.

  • Enhanced Efficiency and Speed

Every second counts in the fast-paced finance world. RPA is like the turbo boost that supercharges processes, from customer onboarding to transaction processing. Mundane tasks that used to take hours are now done in a fraction of the time, leaving financial wizards more room to strategize and innovate.

  • Reduced Errors, Increased Accuracy

Remember when you accidentally added an extra zero to a transaction? Well, RPA doesn’t. These bots don’t suffer from Monday morning blues or sleep-deprived slip-ups. They follow instructions to the letter, slashing error rates and enhancing data accuracy.

  • Cost Savings

Money talks, right? RPA lets Fintech companies save big bucks by automating processes that would otherwise demand hefty manpower. This cost-effectiveness allows startups to compete on a larger stage without the burden of sky-high operational costs.

  • Customer Delight

Ever been frustrated by a delay in your loan approval? RPA ensures smoother processes, meaning faster responses to customer inquiries, quicker approvals, and an overall better user experience. Happy customers, happy Fintech world!

How is RPA being used in the finance industry?

Small and medium-sized businesses need help in the fast-paced commercial environment. These companies continuously seek novel solutions to problems like balancing many obligations and cutting operating costs. Here comes Robotic Process Automation (RPA), a game-changer that has the potential to transform how small firms run completely.

Small firms may get a plethora of advantages by using RPA:

  • Increase Workforce Productivity: By automating routine operations, staff members may devote more time and effort to making strategic decisions and expanding their businesses.
  • Sealing Revenue Leakages: RPA is an alert sentinel, spotting and stopping revenue leaks throughout the company to ensure optimal profitability.
  • Taming Service prices: RPA helps small firms stretch their budgets and deploy resources more effectively by drastically reducing service prices.
  • Precision and Speed: By eliminating manual mistakes and shortening processing times, RPA improves data accuracy and processing speed.
  • Front Office Focus: By automating back-office duties, staff members can focus on front-office activities, providing great client experiences.
  • Easy Documentation: RPA makes it easier to record corporate practices, resulting in efficient and uniform workflows.
  • Lightning-Fast Service: Bots that operate at breakneck speeds deliver quicker service, cutting down on client wait times and raising satisfaction levels.

Small firms in today’s technologically advanced world must recognize the enormous advantages of RPA. It’s time to leverage automation’s potential and grow your company. Use RPA to its full potential to see your small business prosper like never before!

Opportunities and Challenges Due to RPA

While the symbiotic dance of RPA and Fintech has jazzed up the industry, there are both roses and thorns in this tech bouquet.

Opportunities

  • Innovation Overload

 RPA’s time-saving prowess means Fintech experts can focus on innovation. Imagine creative minds channeling their energy into crafting new financial solutions instead of manually handling paperwork. The possibilities are endless!

  • Data-Driven Decision Making

 With RPA handling the nitty-gritty, Fintech professionals can make better-informed decisions based on accurate data. This empowers them to anticipate market trends, tailor offerings, and adapt to changing dynamics swiftly.

  • Efficiency and Speed

RPA can do repetitive activities more quickly and effectively than people, cutting down on the time needed for manual labor. Decision-making and corporate processes may thus go more quickly as a result.

  • Cost reduction

 Businesses may lower operating expenses and allocate employees to more important duties by automating boring and repetitive jobs.

  • Improved Accuracy

 RPA runs error-free, producing precise final outputs, unlike human labor.

  • Improved Customer Experience

By relieving employees of boring tasks, businesses may concentrate more on meeting customer demands, increasing customer happiness and loyalty.

Challenges

  • Job Evolution

Yes, RPA can lead to job displacement in certain areas. But fret not! As some roles become obsolete, new ones emerge to manage, maintain, and enhance the RPA systems. Adaptability is the key to conquering this challenge.

  • Security Concerns

The digital realm has risks. RPA systems must be meticulously safeguarded to prevent cyber attacks or data breaches. Implementing robust security measures is non-negotiable.

  • Resistance to change

It is one of the largest obstacles to deploying RPA, especially if it might mean job losses.

  • Integration with Legacy Systems

Integrating RPA with legacy systems and software may be tricky, making automation difficult.

  • Limited Cognitive Capabilities

RPA is not equipped with cognitive and decision-making abilities. Thus, some activities may call for human involvement.

  • Security and Control

Since RPA may access private information, organizations must implement suitable security safeguards for secure data handling.

RPA may generally increase the effectiveness and efficiency of corporate operations. To realize its full potential, companies must overcome the issues related to its implementation.

Ending note

In the grand saga of Fintech’s evolution, Robotic Process Automation emerges as a protagonist of unparalleled potential. It’s a game-changer that accelerates processes, enhances accuracy, and frees human creativity. The financial world is being reshaped, and you have a front-row seat to this technological spectacle!

Are you ready to join the fintech revolution? If so, the Professional Certificate in Fintech course offered by Imarticus Learning and the SP Jain School of Global Management suits you.

This first-of-its-kind online course will give you the in-depth information and abilities required for success in the fintech sector. You’ll engage with top fintech startups, work on real-world projects, and learn from industry professionals, giving you the skills and experience you need to launch a successful career in Fintech.

The course covers the entire spectrum of Fintech, from blockchain to AI. Additionally, you’ll receive practical training in cutting-edge technologies like RPA. You’ll be prepared to take your position at the vanguard of the fintech revolution by the time the course is over. So why are you still waiting? Enroll today.

AI and ML Revolutionalising Fintech

Posted on by Imarticus Learning

The financial sector has been among the first to adopt emerging technologies and innovative business models. As we can see, one of its finest results is financial technology, popularly dubbed fintech. 

 

Fintech has more famously indulged in rearing digital money, or what we know as cryptocurrency. Cryptocurrencies like Bitcoin help people have easy cashless transactions and invest and earn profit. By upgrading finance and the way it works digitally, fintech has changed the way of monetary transactions in today’s world. AI and machine learning have opened up multiple opportunities to people through several payment interfaces, investment opportunities, and digital currency applications.

This blog will explore the various ways AI and ML have impacted fintech and changed the way the finance sector works.

How AI has affected the growth of fintech

AI is simply information and knowledge processed by machines instead of humans, thus creating and yielding near-perfect results.

AI in the finance industry has significantly improved its operation in many ways. AI minimises human involvement, thus ruling out incautious mistakes. It is time-effective and can upgrade the productivity of a business with its many advantages.

Since the Covid-19 lockdown, the world has become dependent on technology for survival. Transacting any amount of money online, small or large, is commonplace. AI in such a scenario allows for security and helps any company design better financial schemes based on customer needs and economic trends.

Why AI is needed in finance

One cannot do without AI when dealing with money online to avoid risks as well as to ensure effectiveness and fulfilment of the consumer’s needs. These are four ways in which AI helps in fintech:

    • Safety: AI is designed to predict any kind of fraudulent behaviour and can save an organisation from any monetary loss or bankruptcy.
    • Efficiency: AI is undoubtedly more efficient at handling and completing any task before the stipulated time. It offers better processing of a wide range of data compared to humans.
  • Helping Customers: Every company offers AI-powered chatboxes designed to listen to each customer’s specific needs and solve their problems.
  • Digital Money and Investment: Crypto has added a new dimension to the stock market. AI has propelled several applications that present interested customers with every required advice and fundamentals of investing online. 

Why machine learning in fintech is indispensable

Machine learning is when a machine is fed data and instructions to yield correct responses based on what it has learnt. 

Machine learning comes under AI, and it vastly improves accuracy and saves time. 

Here’s how machine learning keeps improving fintech

  • Credit scoring: Machine learning makes it easy to validate a borrower’s credibility by analysing their history. From demographics to their salary, the kind of transactions they have had, and their credit history, everything is examined to deduce a person’s credit score before lending them money.
  • Intercepting fraud: From voice phishing to online scams, money swindling is a common occurrence. Machine learning operates via an algorithm that looks at a person’s entire history and the different ways of their expenditure and reports any suspicious behaviour. This way, the system remains unhackable and intact. To ensure utmost honesty, it also facilitates uploading an ID for the Know Your Customer (KYC) operation to be certain of the identity of the customer.
  • Monetary advice: Machine learning employs a number of systems to help a customer with their financial decisions. Here, we have robo-advisors, an application that provides the customer with a list of pros and cons regarding their queries, helps them identify risks and makes sure to eliminate loss and enhance profit, security and greater investments based on what the customer wants.

Machine learning in fintech also enhanced the operations in banking sectors and online money trading through various innovations and high-end systems. It is an irreplaceable part of fintech. With more and more developments every day, AI and ML’s significant contributions to fintech are felt worldwide. 

Conclusion

From Google Pay to Paytm, even the smallest businesses conduct transactions online. Businesses and apps encourage customers to pay online to avoid any hassle of finding the exact amount of cash. Thus fintech is an industry that will only grow further in the coming years with the upgradation and innovation of technologies and newer cryptocurrencies. 

However, for a successful career in fintech, an in-depth knowledge of AI and machine learning is a must. Ride in the wave of innovation with Imarticus’ MBA in fintech presented by KLU. Besides fundamental knowledge of money trade, technology and its vast range of usage, the programme deploys Harvard case methodology to develop problem-solving, analytical and decision-making skills in adverse situations. Check out the website for other course-related details.

Global Key Players in FinTech 2023

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In the ever-evolving landscape of financial technology, where innovation reigns supreme, a league of key global players has emerged as the driving force behind the revolution. According to the most recent data, the global fintech market’s estimated value is around $165.17 billion in 2023. Projections indicate that this dynamic industry is poised for remarkable growth, expected to exceed $400 billion by 2027.

As we step into 2023, these visionary companies continue redefining the boundaries of the financial world, pushing the limits of what was once deemed impossible. From transformative digital banking solutions to cutting-edge payment platforms and groundbreaking blockchain applications, they propel us into a future where finance knows no bounds.

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In this article, we’ll take you through some of the top-most fintech players in 2023 that can drive you to make a successful career in Fintech.

Top Players in FinTech Market

The FinTech market is characterised by many players, each contributing to the transformation of the financial industry. Some of the top global players in the FinTech market include:

Ant Financial: Ant Group has emerged as one of the most prominent fintech firms worldwide. Through continuous technological advancements, Ant Finance has offered accessible and convenient digital financial services to individuals and small and medium enterprises (SMEs). They also facilitate seamless payment processing, enable cross-border transactions, and provide remittance services to merchants and consumers across the globe.

Du Xioman Financial: Du Xiaoman Financial is a leading consumer instalment payment solutions and online investment services provider. Offering a range of financial products, they operate Baidu Wallet, a secure payment system, an online credit service and a wealth management platform. Du Xiaoman Financial remains dedicated to enabling seamless transactions and facilitating wealth growth for its valued customers.

Paytm: It is a leading Indian multinational company that specialises in digital payments and financial services. Paytm provides mobile payment services to consumers and empowers merchants to receive payments through its offerings, including QR codes, point-of-sale systems, and online payment gateways. With its innovative solutions, Paytm has emerged as a prominent player in the fintech landscape, facilitating convenient and secure financial transactions for a wide range of users.

Klarna: Klarna stands as the foremost global service for payments and shopping, revolutionising how customers shop and purchase with enhanced flexibility and intelligence. With an extensive reach, Klarna caters to over 150 million active consumers across 45 countries, facilitating seamless transactions. By offering a range of options, such as direct payments, pay after delivery and instalment plans, Klarna empowers consumers to choose their preferred payment method. 

Lufax: Lufax is a prominent leader in China’s technology-driven personal financial services sector. With a diverse range of operations, including wealth management and retail credit facilitation, Lufax utilises a unique ‘Hub and Spoke’ business model. This approach combines their financial expertise with cutting-edge technology, seamlessly integrating online and offline resources to enhance wealth management experiences. 

Fintech Market Trends

Here are some of the latest fintech market trends that are overtaking the financial landscape:

Companies Will Make Digital Systems a Priority

Financial technology companies are uniquely positioned to provide multiple options that can supersede outdated legacy systems. By leveraging their expertise, fin techs can offer innovative solutions that cater to the evolving needs of banks and their customers, enabling a seamless transition to a more digital-centric environment. 

 One platform, Multiple services

Consumer preferences lean towards platforms that provide multiple services, and Fintech brands have embraced this trend. Going forward, the integration of powerful APIs will enhance the availability of robust solutions. To meet evolving consumer expectations for convenient, secure transactions, banks must leverage technology to digitalise consumer demand.

 Blockchain & Cryptocurrency

With the limitations and expenses of traditional bank transfers in a globalised world, blockchain and cryptocurrencies have grown in popularity. These digital alternatives enable cost-effective and low-regulation transfers, contributing to their rapid growth. Companies have diligently implemented secure protocols, establishing blockchain and cryptocurrencies as reliable methods for completing digital transactions.

Fintech Market Upcoming Projections

In a recent report titled “Global Fintech 2023: Reimagining the Future of Finance,” Boston Consulting Group (BCG) and QED Investors predicted that by 2030, the financial technology sector’s sales would increase from $245 billion to $1.5 trillion. 

The paper notes that by 2030, banking fintech will account for roughly a quarter of all banking valuations globally, up from the current 2% share that the fintech industry holds of the global financial services revenue ($12.5 trillion). 

It offers insights into the future fintech landscape, exploring trends, opportunities, regulatory frameworks, and the impact of emerging technologies. 

Conclusion

Fintech companies are well-positioned in the market to step in to offer solutions to replace the conventional system of banking and transactions. Most customers prefer services catering to their basic financial needs, such as daily payments, P2P transactions, payment gateways, and many more. 

As the fintech industry continues to flourish, professionals seeking to enhance their expertise in this domain can consider pursuing a PGDM in FinTech from Imarticus. This program equips students with the necessary skills and knowledge to thrive in this rapidly evolving landscape.

How is Blockchain Advancing the Field of Energy and Environment?

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Welcome to a world where sustainability and innovation coexist, and technology lays the foundation for a more sustainable and effective future. 

Here comes blockchain, the paradigm-shifting technology that is transforming the energy industry. But what precisely is blockchain?

Imagine it as a decentralized platform that records and validates transactions safely and unchangeably, similar to a digital ledger. This innovative technology has already disrupted the banking industry and is now moving towards making its way into sustainability.

Using cryptographic hashes, a blockchain is a growing collection of documents (blocks) that are securely connected. Each block includes transaction data (often represented as a Merkle tree, where leaves represent data nodes), a timestamp, and a cryptographic hash of the preceding block.

We will examine how blockchain is expanding the fields of energy and the environment in this blog, ushering in a new era of effectiveness, openness, and environmental friendliness.

Learn blockchain and experience how it can transform how we address energy and environmental concerns.

Why is blockchain technology crucial for sustainable development?

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The most recent advancements and technological advances supporting environmental sustainability, lowering carbon emissions, and preserving natural resources are called “green technology trends.” The urgent need to combat climate change and build a more sustainable future motivates these developments.

Impact of blockchain on environmental sustainability

  • Decentralized Energy Management

Blockchain technology supports decentralized energy management by facilitating the development of peer-to-peer (P2P) energy trading systems. Power is produced and delivered by centralized authority in a typical energy system, which results in inefficiencies and disruption susceptibility. Through solar panels or wind turbines, people and companies may create renewable energy and then directly sell extra energy to neighbors. This decentralized strategy lessens reliance on fossil fuels by empowering consumers and promoting renewable energy sources.

  • Smart Contracts for Automated Transactions

The self-executing contracts known as “smart contracts,” which have predetermined terms and conditions, are one of the main characteristics of blockchain technology. Smart contracts are essential for automating transactions between energy providers and customers in the energy sector. These agreements make sure that energy transfers place smoothly, transparently, and without the use of middlemen. As a result, expenses are decreased, and the likelihood of conflicts is decreased, increasing the security and dependability of energy trade.

  • Revolutionizing Wholesale Power Distribution

Connecting end customers with the grid is a key priority for businesses using blockchain technology in wholesale power distribution. Instead of buying energy from merchants, people may trade and buy it straight from the grid thanks to blockchain technology and IoT gadgets. 

A blockchain energy firm called Grid+ specializes in distributing energy at wholesale prices. The company has determined that retailers are the primary cause of inefficiencies in the consumer power market. Very little of the grid infrastructure is owned by retailers. Alternatively, they exclusively handle the services blockchain technology can take over, such as invoicing and metering. 

Supplementing merchants with a blockchain-based platform might result in a 40% reduction in consumer spending. Ethereum lets consumers purchase things by connecting them straight to the grid.

  • Incentivizing Energy Conservation

Through tokenization, blockchain technology may encourage energy efficiency. Consumers can get awards for lowering their energy use during peak hours or supporting energy-saving activities by producing digital tokens reflecting a specified energy quantity. These tokens may be used, swapped, or kept inside the energy ecosystem, promoting sustainability and a culture of conservation.

  • Facilitating Carbon Credit Trading

Trading carbon credits has gained popularity as a means of offsetting carbon emissions in the battle against climate change. By offering a safe and transparent platform for recording carbon credits, blockchain streamlines and simplifies the exchange of carbon credits. By implementing environmentally friendly activities, businesses and individuals may earn carbon credits, which they can then resell to other parties that need to offset their emissions. This procedure promotes a cleaner economy and the decrease of greenhouse gas emissions.

  • Empowering Energy Prosumers

Energy prosumers, who are both energy producers and consumers, are empowered by blockchain. As more people and companies choose renewable energy options, they can fulfill their energy demands and sell excess energy to other parties. As a result, the energy ecosystem becomes more adaptable and robust and is less dependent on centralized power plants. Energy prosumers are essential in influencing the future of energy and helping to achieve overall sustainability goals.

  • Enhancing Grid Security

Traditional energy networks are susceptible to physical and cyberattacks. Because blockchain technology is decentralized and encrypted, it can increase the security of electricity infrastructures. Because several nodes verify each transaction, it is very challenging for bad actors to interfere with the system. For the protection of essential energy infrastructure and the maintenance of a steady supply, this increased security is necessary.

  • Democratizing Energy Access

The removal of middlemen and the establishment of direct relationships between energy providers and customers using blockchain technology has the potential to democratize access to energy. Blockchain-powered microgrids can be developed to support underprivileged communities in areas with inadequate electrical availability. Millions of people’s lives might be greatly improved due to promoting social advancement and economic growth.

The Final Words

 Blockchain applications in the energy industry are numerous and exciting, ranging from decentralized energy management and smart contracts to energy traceability and carbon credit trading. 

We can also create a cleaner, greener, and more robust energy environment that benefits the earth and its inhabitants as we embrace this technology and use its promise. Blockchain technology is paving the path for creating a better and more sustainable future for future generations by empowering people, businesses, and communities.

With the PGDM in FinTech from DSB, where the program combines the best of both sectors, set off on a revolutionary adventure! Explore a dynamic combination of cutting-edge FinTech courses and fundamental management topics. Prepare for a thrilling journey through finance, marketing, operations, strategy, and entrepreneurship, all interwoven to offer a comprehensive understanding of business fundamentals. 

Get ready for a thorough and all-encompassing learning experience, unlike anything you’ve ever had as you prepare to unleash your potential and rule the world of financial technology!

Importance of Organisational Behavior and Human Resources Management

Posted on by Imarticus Learning

Organisational behaviour and human resources direction (HRM) play crucial roles in the success of any organisation. In today’s free enterprise, concern surround, companies recognise the significance of these two disciplines and their wallop on employees’ overall execution and productivity.

This article explores the grandness of organisational behaviour and HRM, their key concepts, the synergy between them, their applications in the business reality, challenges faced, and futurity trends. In the dynamical byplay landscape, organisations need to understand the intricacies of human behaviour within the workplace.

Organisational behaviour refers to the study of how individuals, groups, and structures interact and influence each other within an organisation. HRM, on the other hand, focuses on managing the people within an organisation to achieve strategic objectives. These two fields are intertwined, as effectual HRM practices rely on a deep apprehension of organisational behaviour.

Definition of Organisational Behaviour

Organisational behaviour encompasses a range of topics, including single behaviour, grouping behaviour, organisational culture, and leadership. It seeks to understand how individuals behave in the workplace, how groups form and interact, the wallop of organisational civilisation on employee behaviour, and the role of leaders in shaping organisational behaviour. By studying these aspects, organisations can gain insights into employee satisfaction, motivation, and execution.

Importance of Organisational Behaviour

Understanding organisational behaviour is crucial for several reasons. Firstly, it helps organisations create a prescribed work environment that fosters employee involution and satisfaction. By recognising single differences and promoting inclusivity, organisations can leverage diversity to aim for innovation and creativity. Secondly, studying aggroup behaviour enables companies to enhance team dynamics, quislingism, and problem-solving capabilities. 

Effective teamwork leads to higher productivity and breaks decision-making. Finally, organisational civilisation plays a life-sustaining role in defining employee behaviour and influencing their values, attitudes, and work ethics. A really warm and prescribed culture helps draw and keep top talent

The Role of Cloud Computing in Enhancing Organisational Behaviour and Human Resources Management

Cloud computing has emerged as a game-changer in the realm of organisational behaviour and human resources direction. By leveraging the force of the cloud, businesses can streamline their operations, optimise workforce direction, and improve employee coaction.

Cloud-based HR solutions enable seamless access to employee data, allowing HR professionals to make informed decisions and supply personalised support. Moreover, cloud-based platforms ease remote work, enabling employees to continue being connected and productive from anywhere. As organisations increasingly embrace cloud computing, its wallop on enhancing organisational behaviour and HR management continues to grow.

Key Concepts in Organisational Behaviour

Individual Behaviour

Individual behaviour focuses on understanding how employees’ personality traits, attitudes, motivation, and perceptions influence their behaviour in the workplace. By recognising individual differences and providing tailored support, organisations can maximise employee potential and job satisfaction.

Group Behaviour

Group behaviour explores the dynamics of teams and the impact of social interactions on performance. It involves studying factors such as group formation, communication patterns, conflict resolution, and decision-making processes. Organisations that effectively manage group behaviour can harness the collective intelligence and skills of their employees.

Organisational Culture

Organisational culture refers to the shared values, beliefs, and norms that shape behaviour within an organisation. It influences employee motivation, engagement, and commitment to organisational goals. A positive culture fosters a sense of belonging and encourages employees to give their best.

Leadership

Leadership is a critical factor in driving organisational behaviour. Effective leaders exalt and incite employees, create a vision for the organisation, and guide them towards achieving too common objectives. Leadership styles, such as transformational and retainer leadership, have an important wallop on employee performance and satisfaction.

The Role of Human Resources Management

HRM encompasses a chain of practices that aim to attract, acquire, and retain a very talented workforce. It involves very various functions, including recruitment and selection, training and development, performance management, and employee involution.

Recruitment and Selection

Recruitment and selection processes ensure that organisations hire individuals who possess the required skills, knowledge, and cultural fit. Strategic recruitment practices contribute to the organisation’s success by attracting top talent and promoting diversity.

Training and Development

Training and evolution programs raise employee skills, knowledge, and competencies. They equip employees with the really necessary tools to surpass in their roles and give to the organisation’s development. Continuous learning opportunities also improve employee participation and job satisfaction.

Performance Management

Performance management involves setting performance goals, providing feedback, and recognising and rewarding employee achievements. Effective performance management systems foster a culture of accountability, continuous improvement, and fair evaluation.

Employee Engagement

Employee engagement focuses on creating a positive work environment where employees feel valued, motivated, and committed. Engaged employees are more likely to go above and beyond their job requirements, resulting in improved productivity and customer satisfaction.

The Synergy between Organisational Behaviour and HRM

Organisational behaviour and HRM are interconnected disciplines. HRM practices should align with the principles and concepts of organisational behaviour to optimise employee performance. For example, understanding individual behaviour helps HR managers create personalised training and development programs. Knowledge of group behaviour enables effective team building and conflict resolution. Organisational culture influences HR policies and practices, shaping employee behaviour and attitudes.

Applications in the Business World

Organisational behaviour and HRM have extensive applications in the business world. Companies that prioritise these disciplines can enhance employee productivity, reduce turnover, and improve overall organisational performance. By fostering a positive work environment, organisations attract and retain top talent, resulting in a competitive edge. Effective HRM practices also contribute to the development of future leaders and succession planning.

Challenges and Strategies

Implementing organisational behaviour and HRM practices comes with challenges. Resistance to change, lack of employee buy-in, and limited resources can hinder successful implementation. To overcome these challenges, organisations should focus on effective communication, employee involvement, and continuous training. Adopting a data-driven approach and leveraging technology can also streamline HRM processes and enhance decision-making.

Future Trends in Organisational Behaviour and HRM

The field of organisational behaviour and HRM is evolving rapidly. Future trends include the integration of technology in HRM processes, increased focus on employee well-being and work-life balance, and the emergence of remote work arrangements. Organisations need to stay updated with these trends to remain competitive and attract top talent.

Conclusion

Organisational behaviour and HRM are critical aspects of managing employees in any organisation. By understanding individual and group behaviour, leveraging organisational culture, and implementing effective HRM practices, companies can create a positive work environment, maximise employee potential, and drive organisational success.

Embracing the synergy between these disciplines ensures that organisations stay competitive and adapt to the ever-changing business landscape.

If you’re interested in pursuing a career in Fintech, consider enrolling in Imarticus Learning’s PGDM In FinTech to gain the skills and knowledge needed to succeed in this exciting field.

Visit Imarticus Learning to learn more.

Cloud Computing and Robotic Process Automation in Business Processes

Posted on by Imarticus Learning

The business world is being transformed daily due to the implementation of technology.

Cloud computing delivers various services via the Internet, including servers, data storage, software and networking. Cloud computing has gained a lot of popularity for businesses that are looking for off-site data backup solutions. 

Robotic process automation (RPA) is the application of technology run on structured inputs and business logic to automate various business processes. Implementing RPA in business processes transforms an organisation’s manual and core processes. 

In this article, we will discuss implementing cloud computing and robotic process automation in various business processes. 

What is cloud computing?

Cloud computing can be described as the delivery of various services via the Internet. These include tools and applications such as databases, servers, data storage, software and networking. 

Cloud-based storage saves files in a remote database instead of in a traditional hard drive or local storage device. 

Instead of owning their own data centres or computing infrastructures, companies can rent anything from storage to applications from a cloud service provider. The data can be accessed as long as the devices have internet connection. 

Cloud computing has many advantages, such as increased productivity, cost savings, performance enhancement, speed and efficiency and security. 

With cloud computing, the following operations can be performed:

  • Analysis of data
  • Developing new services and applications
  • Hosting websites and blogs
  • Storage, backup and recovery of data
  • Streaming audio and videos 
  • Delivery of software on demand

Implementation of cloud computing in businesses 

Cloud computing has a wide range of applications in business processes. It eliminates the idea of depending on hardware resources and solely depends on virtual machines. 

Here are some ways cloud computing can be implemented in various business processes. 

File storage

A common use of cloud computing in businesses is file storage. Any file can be stored on the cloud. Private cloud services are also available in case some files need limited access. 

Data backup 

Even though data can be backed up in a computer or a drive, these can get physically damaged. The cloud allows you to back up data safely and securely. 

Data recovery 

As long as you have an electronic device and an internet connection, you can recover your data, files and programs in case of a disaster. Cloud computing is an excellent way of safeguarding important business information for later recovery. 

Infrastructure as a service 

Using cloud computing, your clients can use your infrastructure to host their cloud services. You can also sell third-party infrastructures to create websites for promoting the services and products of the client. 

Promoting collaborations 

Collaboration with any business or other businesses has become a global concern. With cloud computing, collaboration has been made easier. It does not matter where you or your collaborators are; all the project files can be shared via the cloud. 

Testing new projects 

Often tech companies use their private cloud for testing new processes or programs before they are launched. The company’s engineer can set up any test program to find and solve problems before sending them to the client. Once the testing has been done, the cloud is relinquished. 

What is robotic process automation?

Robotic Process Automation (RPA) uses automation technologies for mimicking back-office human tasks like filling in foams, extracting data, moving files etc. 

Just like humans, software robots are able to do things like recognise what is on the screen, navigate systems, complete the correct keystrokes, recognise and extract data, and perform various defined actions. 

Implementation of RPIs in various business processes has made way simpler. RPI software bots are able to interact with any system or application in the same way that humans do. 

RPA combines APIs along with user interface (UI) interactions for integrating and performing repetitive tasks. By creating scripts which match human tasks, RPA tools finish the autonomous execution of several activities and transactions. 

Employing RPA in businesses streamlines the workflow, making organisations more flexible, profitable and responsive. It also enhances employee engagement, satisfaction and productivity. 

RPAs are ideal for automating workflows, including legacy systems lacking database access, APIs and virtual desktop infrastructures (VDIs).

There are many advantages of implementing robotic process automation, such as:

  • Significant cost reduction
  • Empowers employees
  • Allows better operational and business control
  • Ensure better analytics 
  • Complex processes are made simpler and more flexible

Implementation of robotic process automation in businesses 

RPA implementation in business processes has completely revolutionised the business world. Here we will talk about how RPAs can be implemented in various business operations: 

Define the problem or opportunity 

The initial step for RPA implementation is to clearly define the problem or opportunity of the business which the companies want RPA to address. Clearly stating what needs to be done helps better understand the processes that need to be automated. 

Deciding which processes can be automated

Not all business processes can be automated. Some processes are ideal for human execution for the nature and complexity of the process. Hence, companies must closely examine the business processes and recognise the tasks best suited for automation. 

Check the feasibility of automation.

Automation of a complex process having several data requirements is usually challenging. Neither is the automation of a process with a concern about compliance. 

Create a business case for the processes.

This is done to justify why automating the process is the right idea from a cost-benefit point of view. For this, leaders must estimate the costs of implementing RPA and the advantages of automating the task. 

Create an implementation plan. 

This is done to recognise how and when RPA will be deployed in a company. Developing a detailed implementation plan will ensure the business’s smooth and successful running of RPA. 

Conclusion 

With the advancement of technology, businesses are also taking advantage of it to simplify business processes faster and cheaper. Implementing cloud computing and robotic process automation has made various business processes much easier. 

If you want to build a career in the field of technology, check out Imarticus’s PGDM in FinTech course. This is a two-year course taught by some of the leading industry professionals. 

The FinTech industry is rapidly growing, and with the PGDM in FinTech course, you can make a mark in the field. 

Enrol with Imarticus to learn more!

Future of Wealth Management

Posted on by Imarticus Learning

The fourth industrial revolution put forth several lucrative industries, which quickly became the mass-favourite, with thousands of new entrants every year. From computer science to marketing, many career paths promise exponential growth at the cost of unparalleled hard work. 

Amidst all the in-demand career paths, wealth management is offering lucrative opportunities through the shadows only to those looking for a sustainable and rewarding career path. With the new-age systems’ implementation, wealth management’s future seems more promising. 

This blog underlines the potential future of wealth management and what aspiring generations can expect when compared with other in-demand career options. On the other hand, we have also ensured to portray the effect of technology on the lucrative career in fintech and how it will further evolve wealth management. 

What is Wealth Management?

Wealth management is an advisory service for affluent clients looking to invest and use their assets and cash to earn more. It follows a consultative approach, where a wealth manager, with all their knowledge of the current industry dynamics, offers valuable advice to their clients. 

While in many cases, instead of providing advice, the wealth manager handles the client’s assets while leveraging the necessary trends deemed profitable by the manager. 

Wealth Management Evolution and Future Scope

pgdm in fintech course by delhi publich school

Wealth management as an industry or a career has been witness to a long and turbulent evolution, with diversification at every step. It is impossible to put up a date on the start of this profession. However, back in the 1970’s wealth management only revolved around company stocks and bonds. 

Even though bonds and stocks are still available, the area of operation has increased exponentially. With the internet explosion and the consequent technological evolution, trading worldwide became possible. Careers in fintech became a viable option for students back then, and the industry has steadily grown.

Technological Evolution 

Technology has been a crucial driver in the evolution of wealth management as an industry, with the increase in connectivity providing wealth managers with a more playing field to invest in. The new-age wealth manager is now able to invest in foreign stocks, bonds, lands, startups, and more. Those who are looking to kickstart their career through a financial technology certification course will have more avenues for creativity in the future. 

Digital transformation and the implementation of CRM, promoting interconnectedness, is resulting in better insights, as wealth managers are being able to pool their opinions. Furthermore, with the inclusion of Machine Learning (ML) and Artificial Intelligence (AI), wealth managers can replace the grunt work with precise suggestions pooled from all the data on the internet. All these, complied together, are disrupting and creating a new eco-system, which needs technologically aware individuals with excellent foundational skills, achievable through a financial technology certification course. 

Current and Future Demand

Nowadays, with the increasing workload, individuals have often started to rely on wealth managers to do the needful with their assets. Studies have shown that the demand for wealth management is bound to increase by CAGR 11% due to the rise of high-net-worth individuals, further highlighting the rewards one can achieve through a career in fintech. 

Furthermore, considering the current demand in India estimates highlight a count of thirteen-thousand inhabitants with around USD 30 Million worth of assets. This number is bound to rise further since India is touted as the fastest-growing economy with forecasted GDP growth of 6.5%, equating to the creation of more high-net-worth individuals who will need reliable wealth managers. 

With a promising future demand, one can pursue a career in fintech by taking part in financial technology certification courses. However, with more demand and connectivity, students looking to start a career in fintech must also be aware of the regulatory challenges which accompany foreign and domestic investments. 

Conclusion

The current demographic is a mixture of non-tech savvy and tech-aware individuals, which further enhances the opportunity wealth management offers even to those looking to start a career in fin-tech. However, with the advancement and inclusion of technology, the upcoming wealth managers must possess a sound knowledge of the current and oncoming technological models, which can further disrupt the industry. Therefore, such candidates must choose a financial technology certification course, such as PGDM in Fintech offered by Imarticus, which puts equal emphasis on wealth management and technology. Therefore, ensuring irreplaceable and technologically-savvy wealth managers of the future. 

Exploring Top 7 FinTech Models

Posted on by Imarticus Learning

In a world driven by digital innovation, financial technology (FinTech) has emerged as a transformative force, revolutionising the banking landscape and changing how we transact. As time continues to progress, FinTech is taking over the globe, converting traditional banking and transactional systems into convenient and efficient ones.

The dynamic fintech industry continues to evolve and advance, with 2023 poised to witness significant growth. Projections indicate that the fintech market is expected to expand and reach an impressive valuation of $174 billion in 2023! 

As FinTech continues gaining momentum, it transforms how we handle our money and creates new economic inclusion and financial empowerment opportunities. 

In this article, we’ll examine some of the top FinTech models reshaping the financial landscape and empowering individuals and businesses. We will also consider how to make a successful career in FinTech.

Top Seven Business Models for FinTech Companies

FinTech companies have introduced a myriad of revolutionary models that cater to the varied requirements of individuals and businesses alike. Let’s look at the top seven business models propelling the FinTech industry forward

Digital Banking 

This scenario is where traditional brick-and-mortar banks transition entirely to the digital realm, eliminating physical offices, bank tellers, and mail. Challenger banks like N26, Revolut, Tinkoff, Chime, etc., have exemplified this shift, providing straightforward individual and business bank accounts through a fully digital infrastructure. Customers can enjoy reduced rates and improved benefits by leveraging staff and real estate cost savings.

P2P Lending

Peer-to-peer (P2P) lending serves as a means for individuals to borrow money directly from other individuals, while businesses can also utilise this model to secure loans from other businesses. This approach facilitates lending for investors, who can potentially achieve superior returns compared to traditional debt markets.
FinTech companies can develop platforms that connect borrowers and lenders, charging fees based on repayment transactions.

Small Ticket Loans

FinTech companies like Affirm are addressing the obstacles the challenger banks and lenders face in underwriting smaller loans, which are often avoided due to low margins and high costs. These companies enable quick purchases without authentication or credit card details by offering impulse buy mechanisms, like buy now & pay later (BNPL) and one-click buy buttons.

These loans are often interest-free, with revenue generated through customer data sharing with original equipment manufacturers (OEMs), who benefit from increased affordability. Customised marketing offers are crafted using algorithms considering customer demographics, and data sharing can be seen as the “interest” on loan.

Alternative Credit Scoring

In certain instances, self-employed individuals with reliable income face challenges in meeting traditional bank loan requirements. This is due to stringent and outdated credit scoring criteria. 

FinTech companies are adopting a fresh approach by leveraging alternative data, such as social signals and scoring within comparable loan groups, combined with AI algorithms. This approach simplifies lending decisions and allows banks to potentially avoid loan recovery by identifying negative profiles before disbursing loans.

Digital Wallets

Digital wallets combine the functionalities of a simplified bank account and a payment gateway. Users can load virtual money into their wallets and utilise it for online or offline transactions with merchants accepting digital wallets. 

This business model offers convenience to users in their transactions, all while charging a small fee. These digital wallet providers generate revenue from merchant discount rates (MDR) and the float earned from unpaid balances. Popular wallet examples include Venmo, Square Cash, Apple Pay and Google Wallet.

Neo-banking

Neo-banking is a Fintech concept focused on creating agile and cost-effective digital platforms known as “neo-banks.” These neo-banks aim to provide faster, more efficient, and adaptable financial services. Neo-banks’ objectives can vary, with some focusing on online bank accounts while others assist in saving and budgeting.

API-based Bank-as-a-service Platform

Based on Application Programming Interface (APIs), the bank-as-a-service platform is a backend infrastructure that hosts independent FinTech startups and seamlessly integrates them with traditional banks. This enables financial institutions to launch products and expand into new markets efficiently. 

Non-banks can also leverage these platforms to introduce additional financial offerings and broaden their market presence cost-effectively.

Conclusion

From the rise of digital banking and P2P lending to the convenience of digital wallets and the innovation of neo-banks, FinTech companies are revolutionising how we access, manage, and invest our finances. With the potential for substantial growth, pursuing a career in FinTech has never been more enticing. 

Imarticus offers top-notch courses in FinTech by the Delhi School of Business, providing students with the knowledge and skills required for thriving in this dynamic industry. The course has future-oriented specialisation, an industry-aligned curriculum, expert guidance, and many more benefits to strengthen your career in the rapidly exploring FinTech domain. 

Embrace the future of finance and embark on a journey that merges innovation, technology, and financial expertise with the FinTech courses offered by Imarticus!