INDAM - KJSIM INTERNATIONAL MSME CONFERENCE 2025

International Conference on Financial Access and Transformation (ICFAT 2025), which is being organised by the School of Business and Management at CHRIST (Deemed University).The conference demonstrates our department's dedication to promoting substantive conversation and intellectual exploration in the dynamic realm of finance and business.ICFAT 2025 functions as a forum for uniting esteemed scholars, researchers, professionals, and students worldwide to examine matters related to financial inclusion, digital innovation, and policy reform.This abstract book showcases a varied array of manuscripts that underscore the extensive scope of modern research in fintech, sustainable finance, risk management, microfinance, capital markets, and corporate governance.This compilation exemplifies the academic rigour of our writers and fosters critical thinking and collaboration among scholars and industry experts.I express my sincere gratitude to all participants, reviewers, and organisers for their significant contributions and assistance in ensuring the success of this event.I wish all readers an enlightening and rewarding experience.