Ms. Sandhiya Karunakaran is serving as an Assistant Professor – O.G, Faculty of Management at SRM Institute of Science and Technology, with close to three years of academic experience. She holds a Bachelor’s degree in Commerce, an MBA, and is currently pursuing her Ph.D. in Management, with a focus on FinTech and Digital Finance. She has contributed to her field through a published research paper and holds a patent related to her area of expertise. Driven by a strong interest in financial innovation, Ms. Sandhiya blends emerging trends with a student-centric teaching style, demonstrating her dedication to both academic excellence and the evolving landscape of finance.