Siddharth Joshi

Background

About Siddharth Joshi

I am a Ph.D. Research Scholar in Finance at ICFAI University, Dehradun (ICFAI Business School), specializing in the intersection of FinTech, financial literacy, responsible borrowing, and digital inclusion. My research explores how technology-enabled financial services can strengthen financial decision-making, reduce borrowing risks, and foster sustainable economic development in emerging economies.My work is positioned at the crossroads of finance, technology, and public policy, with a focus on: • The impact of FinTech adoption on financial inclusion • Behavioral finance insights into borrowing and saving practices • The role of digital payments in transforming access to financial services • Building sustainable finance frameworks that advance inclusive growthI actively contribute to academic discourse through research forums, conferences, and scholarly collaborations, aiming to publish high-impact work that is globally relevant while addressing local challenges. My long-term vision is to bridge the gap between research, policy, and practice, and to contribute to the development of resilient, inclusive, and technology-driven financial ecosystems worldwide.