Dr. R. Chandra Moorthy brings over four decades of profound expertise in academia and industry to the forefront in his comprehensive exploration of the banking sector. A distinguished academician and seasoned management consultant, Dr. Moorthy has been a guiding force in the evolution of banking practices, seamlessly bridging the realms of theory and practical application. With a career steeped in academia and enriched by extensive industry insights, Dr. Moorthy's wisdom illuminates the pages of "Banking Innovations." This book stands as a testament to his unwavering commitment to imparting knowledge and empowering the future custodians of the banking landscape.