Conference Papers

Permanent URI for this collectionhttps://idr.nitk.ac.in/handle/123456789/28506

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Author: search.filters.author.Dongala, J.R.Subject: search.filters.subject.FinTech

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    Enhancing Financial Accessibility: A Tailored UPI Payment Application for Divyangjan
    (Institute of Electrical and Electronics Engineers Inc., 2024) Bhowmik, B.; Sudhama, K.K.; Dongala, J.R.; Antony, R.T.; Girish, K.K.
    The emergence of financial technology (FinTech) has transformed the financial sector, introducing a new era characterized by state-of-the-art technologies that enhance speed, affordability, and accessibility. The proliferation of the internet and smartphones has further accelerated this transformation, fostering greater connectivity and global interaction. Subsequently, these advancements have significantly expanded financial inclusion, ensuring access to financial services for previously under-served populations. While the rise of FinTech has propelled financial inclusion for many, individuals with disabilities have not experienced commensurate improvements in their financial accessibility. As the banking sector increasingly migrates to online platforms, people with disabilities encounter barriers stemming from inaccessible websites, mobile applications, and online banking services. This paper introduces a specialized UPI payment application designed explicitly for individuals with disabilities. The objective is to integrate this underserved demographic into the digital financial landscape, fostering financial inclusion and enhancing access to essential financial services. © 2024 IEEE.
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    Hardware Security in Evolving FinTech Landscape
    (Springer Science and Business Media Deutschland GmbH, 2025) Bhowmik, B.; Dongala, J.R.; Sudhama, K.K.; Antony, R.T.; Girish, K.K.
    The assimilation of technology into the financial sector, often referred to as FinTech, has brought about a significant transformation. This shift has not only widened the scope of financial inclusivity but has also fundamentally reshaped the contours of financial solutions delivered. As FinTech solutions continue to empower individuals with greater control over their finances through mobile banking, digital wallets, and advanced data analytics, the security of these innovations becomes paramount. While software security has traditionally received more attention, this paper underscores the significance of hardware security, which serves as the foundational infrastructure for software security measures. It delves into the factors used to evaluate hardware security and outlines various categories of hardware attacks. A case study, focusing on point-of-sale (PoS) systems, exemplifies the importance of hardware security in FinTech. Ultimately, this research contributes to a comprehensive understanding of the evolving FinTech landscape and its implications for both financial inclusion and cybersecurity. © The Author(s), under exclusive license to Springer Nature Singapore Pte Ltd. 2025.