November 18-19, 2024 (IIMB Campus)

2nd IIMB Golden Jubilee International Symposium

Digital Innovations, Financial Inclusion, and Sustainability

November 18-19, 2024 (IIMB Campus)

As India digitalises at ever-increasing speed, technology and its attendant effects — from affordable credit to programs for savings, investments, insurance and pensions — should be accessible to its entire population, which now exceeds that of any other country.  Business models and digital technologies can aid disadvantaged individuals’ access to flexible financing options in commercially viable ways.  They can also evolve into a variety of wider social consequences. IIM-Bangalore is organizing a 2-day international symposium focusing on issues of inclusivity, digitalisation and financial innovations in India; it will include plenary lectures, fireside chats, panel discussions, and much else, with extensive discussions and participant engagement. 


It is well recognised that millions of Indian households, micro and small enterprises have limited access to formal financial service institutions. Dependence on informal sources including family, friends and moneylenders for basic needs is extensive, and influenced by culturally grounded familiarity and security as well as lack of awareness of digital fintech innovations. This leads to many getting into debt traps, especially when borrowing from moneylenders who charge high interest rates, leading in turn to poverty traps.

Successive governments and financial service providers have launched several digitally-driven programs to improve financial inclusion such as the ‘Pradhan Mantri Jan Dhan Yojana’ (a basic savings bank deposit account to poor households) and the Pradhan Mantri MudraYojana’ (collateral-free loans for income generation and employment creation among micro and small entrepreneurs).  Affordable programs for financial security through pension, life and accident insurance have also been launched. These programs have been built on the foundation of digital access enabled by the‘Aadhaar’ card (Unique Identification Authority of India) for every Indian citizen, and the marked use of smartphones for finance-related activity. Data shows that several of these initiatives have had much success while evidence exists of side effects. The Reserve Bank of India’s Financial Inclusion Index (FII) confirms the existence of gaps, possibilities as well as challenges in addressing financial inclusion issues.

This symposium will provide an opportunity for academics, innovators, policy-makers, regulators, business leaders and other stakeholders to share experiences and chart a future path toward a more financially inclusive and sustainable India, powered by the latest innovations in fintech.


It will focus on the following themes :

  • Global Experiences in Digitalisation and Financial Inclusion
  • Innovations and Successful Business Models
  • Digitalisation, Cultural Practices and Financial Behaviour
  • Policies and Regulatory Aspects of Financial Inclusion

The symposium will have a workshop format to facilitate discussion and feedback. It will feature invited keynote addresses, presentations, experience-sharing sessions, fireside chats and panel discussions by renowned academics, industry leaders, entrepreneurs and policy makers.

Advisory Committee


G Shainesh, Professor – Marketing & Chairperson – Initiatives on Consumer Insights, IIM Bangalore


Prof. Alnoor Bhimani, Professor of Management Accounting & Director – South Asia Centre, London School of Economics and Political Science (LSE)

Dr. Anshukant Taneja, Principal Investment Specialist, Asian Development Bank, Manila

Prof S. Sadagopan, Founding Director, IIIT Bangalore

Dr. Rupa Chanda, Director, United Nations Economic and Social Commission for Asia and the Pacific (UNESCAP), Bangkok

Prof. N S Vishwanathan, Centre for Public Policy – IIM Bangalore & Non-Executive Chairperson – Axis Bank,

Prof. Dr. Jan Hendrik Schumann, Vice President for Research, University of Passau, Germany

Professor Jaideep Prabhu, Jawaharlal Nehru Professor of Indian Business & Enterprise, Vice-Dean for Faculty, Cambridge Judge Business School

Professor Mohamed Azzim, ISCTE, University Institute of Lisbon

Prof M S Sriram, Centre for Public Policy, IIM Bangalore

Mr. P. S. Narayan, Global Head of Sustainability and Social Initiatives – Wipro & Managing Trustee – Wipro Foundation

Mr. Udaya Kumar Hebbar, Managing Director – Credit Access Grameen

Dr. Shirish Srivastava, GS1 France Chair Professor, HEC Paris

Dr. Venkatachalam Anbumozhi, ERIA, Jakarta, Indonesia

Mr. S Parthasarathy, CPO – Executive Education, IIM Bangalore

Mr. Anand Sri Ganesh, COO – NSRCEL, IIM Bangalore

Register For Symposium

The FEE includes the delegate kit, lunch, and tea/snacks on both days. 

The event registration fees are as under –

Early Bird offer (on or before 10th Nov 2024):  Rs. 4,130+GST
Academia/NGOs: Rs. 2,360+GST
Spot Registration: Rs. 5,310+GST

Click here for Accommodation Options