IEEE International Conference on Advanced Networks and Telecommunications Systems
18-21 December 2022 // Gandhinagar, Gujarat, India

Ubiquitous Digital Connectivity and Economic Prosperity for All | The Path to Financial Inclusion


The new wave of technological revolution is changing the way we work, live, and communicate with each other. We see the emergence of new ways in which we receive and deliver basic human centric services like education, healthcare, travel etc. – and banking is no exception.

Developments in mobile technologies and access to digital connectivity are the catalysts that enabled the transition of banking from a traditional brick and mortar mode to a digital one. The global COVID-19 pandemic has expedited the need for this transformation.

However, there continues to be a large section of the population who are still un(der)banked – not having access to useful and affordable financial products and services to meet their needs. The reasons may vary from lack of digital and financial literacy to lack of personalization and trust to last mile connectivity issues. Panelists will discuss approaches spanning policy, regulations, technology solutions, and financial education to bridge this gap. The opportunities for technology startups including fintechs to contribute will also be explored.

Panelists  Details


Rajiv Ramachandran
Senior Domain Expert, IDRBT(Moderator)


Short Bio:

Technology Leader with 25 years of experience leading Engineering and Strategy functions for global investment banks. Extensive experience working with business partners across global and regional markets, developing technology solutions to enable and scale their businesses. Deep understanding of the opportunities and challenges involved in driving data and digital transformation of banking and financial services. Experience sponsoring and leading the innovation strategy and adoption of new emerging technologies, partnering with FinTechs and startups.


Gokul Prabhakar

J P Morgan Chase (USA)


Short Bio:

Gokul Prabhakar obtained his Ph.D. in Computer Science (specializing in Knowledge Based Systems, and Multi-agents) from Concordia University, Canada. He worked as a Member of Technical Staff at Bell Laboratories (Research) for more than 7 years in the areas of Expert Systems, and Intelligent Network Management. Gokul Prabhakar has several publications in conferences and journals which can be viewed via Google Scholar, and holds US Patents for four inventions. He has been working in the Finance Domain since 2004, and started in the areas of automating quantitative analytics for fixed income trading, for key trading systems & desks and has over 10 years of experience in various fields such as Market Risk, Stress Analytics, Liquidity Risk, and recently been involved on Intelligent Telemetry & Monitoring.  He is currently at J P Morgan Chase (USA).



Prasanna Lohar
Chief Innovation Officer DCB Bank


Short Bio:

Over 21+ Years of Industry Experience in Engineering and Development, Product Development, Organization Strategy & Governance, Risk Audit Compliance Management, Business Process Management, Enterprise Architecture, Mobile Apps, Digital Transformation, Fintech, E-Commerce, Payments, Platform & Product Innovation, Data Science, Automation, , AR & VR , Artificial Intelligence & Machine Learning, Open Stack, Cloud Computing, Analytics, Big Data, IOT, Blockchain,   UI-UX & Business Development.


Saroj Ranjan Nayak

General Manager IT,


Short Bio:

A dynamic, self-motivated, quality and cost conscious, Techno Banker, Strategist and Senior Management Professional with over 20 years of rich experience both in Core IT and Banking operations in the field. While working at Bank’s IT domain, spearheaded execution, implementation of key IT initiatives & Projects in a midsize PSU Bank like Finacle Core Banking, Alternate Delivery Channels, ATM, Internet Banking, Management Information System, managing and successfully orchestrating innovative digital banking products such as Mobile Banking, UPI, Video KYC & Video based Life Certificate applications for the customers.

An innovative professional with an aptitude for continuous improvement focused on sustenance, scalability, higher productivity and reduced cost, achieved through ideation, experimentation and implementation.

A Strategist with strong business acumen, adeptness to comprehend business language, understanding of the significance of delivering business values and proven expertise in grasping and deploying various technological solutions.

An effective banking professional having experience of branch banking & controlling offices, headed Patna and Bhubaneshwar region as Zonal Manager, people person and logical leader with a track record in surpassing customers’ expectations through precise understanding of customer pain areas, focus on delivery of right banking products for their diverse business needs.

Mr S R Nayak holds B.E degree, Certified Associate of Indian Institute of Bankers, CISA & CISM.

Shuvam Sengupta

Advanced Analytics Manager AI Strategy and Ops Enterprise Analytics and Data Science (India)

Data, Management and Insights (DMI)


Short Bio:

Shuvam has ~15 years of data science and analytics experience across the domains of banking, payments and retail. In his current role he leads AI/ML engineering, ML Ops, Products, Platforms and Governance at AI/ML COE in Wells Fargo.  He has worked with Mastercard, Target Corporation and Dunnhumby prior to joining Wells Fargo. He is passionate about innovation, especially in the fields of data and technology. He has multiple submitted patents and one granted patent on such topics. He is a keen follower of payments evolution across the globe and fintech disruptions.

Shuvam did his Masters in Economics from Jawaharlal Nehru University. On personal front, he is an avid traveler and takes particular interest in exploring new places, culture and cuisines.


V. S. Mahesh
General Manager
Telangana Grameena Bank
(On deputation from State Bank of India)

Techno Banker with a wide exposure in different banking verticals, Information Technology, Financial Inclusion and Information Security.


BCom (Hons), MBA

Professional Qualifications



Digital solutions –  VKyc TGB, CSP Visit App, CKYC App  


18 years of Experience in Banking Technology – ADC, CBS, FI, MIS

2022 Patrons

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    Technical Program Partner

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