We have great pleasure in presenting First edition “Fintech Management” written for students of UG courses. The related matters are written in a simple and easily understandable.
This volume is an attempt to pro vide the students with thorough understanding of Fintech Management. We have presented the subject matter in a systematic manner with liberal use of charts and diagrams where ever necessary so as to make it interesting and sustain students’ interest.
Contents –
Module – 1 Introduction to Fintech
Introduction
Meaning of Fintech
Definition of Fintech
Evolution of Fintech
Importance of Fintech
Fintech Ecosystem in India
Fintech Ecosystem in Globally
Stakeholders
Start-ups
Banks
Regulators
Technology Firms
Emerging Trends in Fintech
Global Fintech Innovation Hubs
Indian Fintech Innovation Hubs
Key Words
Multiple Choice Questions
Review Questions
Module – 2 Digital Payment
Introduction
Digital Payments
Structure of Digital Payments
UPI
IMPS
NEFT
RTGS
Mobile Wallets
Payment Applications of Mobile Wallets
Paytm
PhonePe
Google Pay
Point-of-Sale Systems
QR Code-based Payments
Cross-border Payment Systems
Blockchain Technology
Role of Blockchain Technology
Key Words
Multiple Choice Questions
Review Questions
Module – 3 Digital Finance and Alternative Finance
Introduction
Digital Finance
Digital Lending
Borrowing Ecosystems
Peer-to-Peer Lending Platforms
P2P Models and Risks
Crowdfunding
Types of Crowdfunding
Regulations of Crowdfunding
SEBI Guidelines
Robo-advisory Platforms
WealthTech
Digital Insurance Products
InsurTech Evolution in India
Key Words
Multiple Choice Questions
Review Questions
Module – 4 Technology – Enabled Credit Scoring
Introduction
Credit Scoring
Traditional vs. Alternative Credit Scoring
Credit Bureaus in India
TransUnion
CIBIL
Equifax
Experian
CRIF High Mark
Credit Report Structure
Score Calculation
Key Influencing Factors
RBI Guidelines on Credit Information Companies
Use of AI/ML in Credit Scoring
Alternative Data in Credit Scoring
Key Words
Multiple Choice Questions
Review Questions
Module – 5 Fintech Regulations
Introduction
RBI
Role of RBI
SEBI
IRDAI in Regulating Fintech
Regulatory Framework for:
NBFCs
P2P Platforms
Payment Banks
Compliance Areas-
KYC
AML
Data Privacy
Cybersecurity
Recent Developments
Account Aggregator Framework
Digital Personal Data Protection Act
Key Words
Multiple Choice Questions
Review Questions
Module – 6 Practical Applications in Fintech
Hands-on Fintech Applications
App Demonstrations: UPI, Mobile Wallets, Robo-advisory Tools
Blockchain Platform: Impact of Blockchain Across Industries.
Credit Score Simulation Analysis
Use of Mock Credit Reports from CIBIL, Equifax,
Experian and CRIF
Analysis of Borrower Profiles for Lending Decisions
Strategies for Credit Score Improvement and Credit Repair
Ethics and Privacy Concerns in Credit Data Usage
