Ms. Sherine Fredy

Ms. Sherine Fredy is an Assistant Professor in the Department of Commerce, bringing more than five years of teaching experience since joining in 2020. She holds an M.Phil. in Commerce (A+ Grade) along with an M.Com and B.Com, all from the University of Kerala, and is UGC NET qualified. She is currently pursuing her Ph.D. on Fintech: Revitalising the Indian Banking Ecosystem, building on her M.Phil. research on the Indian banking sector's challenges with rising NPAs. Her academic distinctions include the UGC Fellowship and the Kerala Higher Education Council Merit Scholarship, awarded consecutively over five years. With a specialisation in finance, her research spans financial technology, banking sector dynamics, and emerging areas of technological innovation, reflected in numerous publications in UGC-listed and internationally indexed journals, as well as edited book chapters. She has presented papers at several international and national conferences, and has attended workshops and faculty development programmes on research methodology, AI tools, and outcome-based teaching. Beyond academics, she has held key administrative roles, including AISHE Nodal Officer, Convener of the Scholarship Committee, and Coordinator of the Investors Club, alongside memberships in the Indian Accounting Association and the Indian Commerce Association.

Research Areas

• M.Phil.: The Tryst of Indian Banking Sector with Rising NPAs.
• Ph.D. (Pursuing): Fintech: Revitalising the Indian Banking Ecosystem.
• Research publications and presentations in the areas of financial technology, banking sector dynamics, technological innovations, and emerging research frontiers.

Positions Held and Administrative Responsibilities at College

• AISHE Nodal Officer (2024-2026).
• Convener, Scholarship Committee (2024-25).
• Coordinator, Investors Club (2021-2024).
• Member of various college-level committees.

Research and Publications

• M.Phil.: The Tryst of Indian Banking Sector with Rising NPAs.
• Ph.D. (Pursuing): Fintech: Revitalising the Indian Banking Ecosystem.

Publications in Journals

• Financial Misconduct in Fintech-Driven Banking: Analysing Emerging Risks and Challenges. Trade Wind, 1(1), ISSN 2320-5393.
• Service Led Growth - Accelerating the Indian Economy. Our Heritage Journal, 68(48), UGC Care Approved, International Indexed and Referred Journal, ISSN 0474-9030.
• India’s Sovereign Bond Policy: Boon or Bane. Our Heritage Journal, 78(16), UGC Care Approved, International Indexed and Referred Journal, ISSN 0474-9030.
• Enhancing Relationship through Global Value Chain. IMPACT: International Journal of Research in Humanities, Arts and Literature, UGC Approved Journal, ISSN 2321-8878.
• Strategic Human Resource Management – Linking Business Strategies with HRM. ROOTS International Journal of Multidisciplinary Researches, UGC Approved Journal, ISSN 2349-8684.
• Transforming India through Digital Financial Inclusion. TRANS Asian Journal of Marketing and Management Research, UGC Approved Journal, ISSN 2279-0667.
• MSME – Fuel for Economic Development. NISMA – International Journal for Management Studies, ISSN 0973-3957.

Publications in Books

• Fintech Reshaping the Future of Indian Banking. In Asian Economy – A Cross-Country Analysis. ISBN 978-93-89946-43-7.
• FinTech: A Promise for Banking in the Post-Covid Era. In Covid-19 and the Indian Economy. ISBN 978-81-7708-540-2.

International / National / State-Level Seminars & Workshops Attended / Organized / Presented

Paper Presentations at International Conferences

• Leveraging Fintech in Banking for India's Financial Inclusion, International Conference on Contemporary Issues in Accounting & Finance (ICCIAF-2024).
• Harnessing Artificial Intelligence and FinTech for Transforming Indian Banking: Opportunities and Challenges, International Conference (RBSRC-2024) on Artificial Intelligence in Reshaping Business Landscape.
• Financial Shenanigans in the FinTech Era: Implications for the Banking Sector in India, 46th All India Accounting Conference.
• From Competition to Collaboration: Strategic Integration of Fintech Innovations in the Indian Banking Sector.
• Industry 5.0 and the Transformation of Indian Banking: FinTech as a Catalyst for Sustainable and Inclusive Growth, International Conference on Emerging Business Models: India and the New World Order.

Paper Presentations at National Conferences

• FinTech: Reshaping the Future of Indian Banking, Department of Commerce, University of Mumbai.
• India’s Sovereign Bond Policy: Boon or Bane, Department of Commerce, School of Business Management and Legal Studies, University of Kerala.
• Artificial Intelligence and Future of Banking, Indian Accounting Association and Department of Accounting, Jai Narain Vyas University.
• Willful Default Surge in the Indian Banking Sector, Indian Commerce Association and KIIT Deemed to be University.
• Mutual Funds - A Rising Investment Avenue, Maharaja’s College, Ernakulam.
• Strategic Human Resource Management - Linking Business Strategies with HRM, Women’s Christian College, Nagercoil.
• Green Entrepreneurship – Path towards a Green and Sustainable Economy, Al-Ameen College, Ernakulam.
• Improving MSME Performance through Cluster Approach, The American College, Tamil Nadu.
• Transforming India Through Digital Financial Inclusion, Avinashilingam Institute for Home Science and Higher Education for Women.
• Humanistic Corporate Governance: Key for Organisational Success, Bharatheeya Vichara Kendram in collaboration with the Ministry of Culture, Government of India.
• Privacy Threats in a Cashless Society, sponsored by the Directorate of Collegiate Education, Government College, Attingal, Thiruvananthapuram.
• Abolition of FIPB and its Impact on FDI, sponsored by the Directorate of Collegiate Education, Government Arts College, Thiruvananthapuram.
• Aligning Business Strategies with Human Resource Management, Kerala Academy of Social Sciences in association with IMK, Kariavattom.
• Impact of GST on Indian Start-up.

Workshops Attended

• Scholarly Writing & Publishing: Emerging Areas and Challenges from AI.
• Qualitative Interviews in Academic Research - Learning from and with People.
• Systematic Literature Review & Bibliometric Analysis.
• Data Analysis and Structural Equation Modelling Using AMOS.
• AI Tools for Academic Research.
• Formulation and Testing of Hypotheses & Preparation of Questionnaire.

Faculty Development Programmes (FDPs) / Short-Term Courses Attended

• NEP 2020 Orientation & Sensitization Programme.
• FDP on Technology Transfer and Commercialization: From Innovation through Patents to Startup, University of Kerala.
• FDP / Short-Term Course on Outcome Based Teaching, Learning and Assessment in the New Normal, University of Kerala.
• FDP on Research Methodology at Kristu Jyothi College of Management.
• Transforming Teaching: Practical Approaches for Finance, Accounting, and Taxation.
• FDP on Blockchain at Alagappa University.
• FDP on Innovations to Academicians.

Details of Minor / Major Projects, if any

Awards & Recognitions

• Recipient of Kerala Higher Education Council Merit Scholarship.
• Recipient of UGC Fellowship.
• College Topper – B.Com (Finance) with 93% marks, All Saints’ College, Thiruvananthapuram.
• Life Member of the Indian Accounting Association (Membership No. TV-365).
• Life Member of the Indian Commerce Association (Membership No. K073).