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BBA – Fintech and Digital Finance

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BBA - Fintech and Digital Finance

The financial services industry in India and globally is undergoing a profound transformation, driven by rapid technological advancements and evolving market dynamics. To address the growing demand for professionals equipped with both financial expertise and technological skills, we propose the introduction of a BBA in Fintech and Digital Finance. This program aims to prepare students for the future of finance by combining foundational financial education with cutting-edge fintech innovations.

Program Objectives:

  1. Fundamental Knowledge: Develop a comprehensive understanding of core FinTech concepts, digital payment systems, and banking platforms, enabling participants to navigate the modern financial technology landscape.
  2. Blockchain Expertise: Acquire practical skills in blockchain analytics, including transaction tracing and analysis, to effectively monitor and investigate activities on distributed ledger technologies.
  3. Data-Driven Analysis: Master data-driven financial modelling and risk analytics techniques, enabling participants to build predictive models and assess financial risks using quantitative methods.
  4. Fraud Detection Proficiency: Gain expertise in fraud detection and investigation methodologies, including the ability to identify, analyze, and document fraudulent activities.
  5. Financial Crime Prevention: Develop a strong understanding of financial crimes and fraud prevention strategies, enabling participants to implement effective countermeasures and compliance frameworks.
  6. Technology Integration: Apply knowledge of FinTech tools and technologies to enhance financial operations, risk management, and fraud prevention strategies within various organizational contexts.
  7. Analytical and Investigative Skills: Enhance analytical and investigative skills to effectively assess financial data, detect anomalies, and conduct thorough investigations related to financial fraud and crime.
  8. Regulatory Compliance: Understand and apply relevant regulatory frameworks and compliance requirements related to FinTech, digital payments, and financial crime prevention.

 Why the specialization?

  • Rapid Digital Transformation in Finance: India is at the forefront of financial innovation, with digital payment systems like UPI and Aadhaar-enabled payment platforms transforming how financial services are delivered. The rise of neobanks and digital lending platforms further underscores the need for talent skilled in fintech.
  • Booming Fintech Industry: India ranks among the top fintech hubs globally, with over 2,000 startups operating across payments, lending, wealth management, and insurtech. This growth has created an urgent need for professionals who can bridge the gap between finance and technology.
  • Expanding Financial Inclusion: Government initiatives like the Pradhan Mantri Jan Dhan Yojana have brought millions of Indians into the formal financial system, driving demand for innovative financial solutions to cater to this newly banked population.
  • Skill Gaps in Financial Technology: Traditional finance education often fails to focus on emerging technologies like blockchain, AI, and big data analytics, resulting in a significant talent gap in this sector.
  • Need for Fraud Related Courses: With increasing domestic and global financial frauds happening digitally, it becomes essential to explore this field of  fraud detection, investigation, and prevention through courses on forensic accounting, auditing, and legal frameworks. Students must also learn to analyze financial data, identify red flags, and understand fraud schemes. Enhance your skills in risk assessment and compliance.

Scope of the Program

  • Fintech education provides crucial insights into the intersection of finance and technology, preparing individuals to navigate and innovate within the modern financial services sector.

  • Blockchain analytics equips professionals with the ability to trace and analyze transactions on blockchain networks, essential for understanding and combating financial crimes in the cryptocurrency space.

  • Cybersecurity training delivers the knowledge and skills necessary to protect sensitive data and systems from cyber threats, a growing concern across all industries.

  • Certified Fraud Examiner (CFE) certification focuses on detecting and preventing fraud, providing expertise in investigation, financial forensics, and legal aspects of fraud.

Together, these areas create a powerful combination, enabling professionals to understand and address the complex challenges of financial integrity and security in the digital age. This combination of skills is very valuable to financial institutions, and law enforcement agencies.

  • Lecturer method of teaching is combined with the use of PPT Presentations.
  • Activity based learning –
    1. Role Play, Group Discussions, Case Study, Video Making –Concept Based Learning, Blogs, Simulation Exercises, Experiential Learning.
    2. Webinar – Interactive Learning Session Using ICT.
    3. Cross Cultural Learning Exercises.
    4. E-T Club – Economic Times Club.
    5. Class – Outside Class.
    6. TGIF – Thank God Its Friday.
  • Compulsory Live Project in the VI Semester – Research based in their respective area of specialization.
  • Submission of assignments on Current Topics as part of Knowledge & Skill enhancement.
  • Presentations on Current Affairs and Policy Changes.
  • Organizing Guest Lectures.
  • Industrial Visits.
  • Organizing National Level Management Fest – Carpediem.
  • Intra-department competitions – Sacrosanct.
  • Participating in National Level Management fests organized by other institutions.

The program is structured to provide a balanced understanding of financial markets and fintech developments. Each of the below courses focuses on a specific aspect of fintech or financial markets:

Semester IIDigital Payments and Banking Platforms

Semester IIntroduction to FinTech and Digital Finance
Semester IIDigital Payments and Banking Platforms
Semester IIIBlockchain Analytics
Semester IVData-driven Financial Modelling & Risk Analytics
Semester VFraud Detection and Investigation
Semester VIFinancial Crimes and Fraud Prevention

The BBA in Fintech and Digital Finance program offers a unique hands-on learning experience through lab activities in courses like Blockchain Analytics and Cryptocurrency and Data-driven Fintech Analytics and Modelling. These labs provide students with practical exposure to tools and technologies used in the financial industry. Students will work on tasks like simulating blockchain processes, analyzing cryptocurrency data, and applying data analytics techniques to solve financial problems. This approach ensures that students not only understand theoretical concepts but also gain practical skills to prepare them for real-world challenges in FinTech and Digital Finance.

 The BBA in FinTech and Digital Finance program offers an opportunity for the students to emerge as a Certified Fraud Examiner, soon after their graduation, with ACFE Certification. With all digital transactions susceptible to frauds and mishandlings, the role of a Fraud examiner becomes an unrelenting ethical one, which will save the economy of any nation. With such a notion to shape a set of future talents to become the saviours of the nation’s economy, this course has been designed to empower students to be the financial fighters.

Roles:

For a FinTech and Fraud Examiner student, the job market offers a variety of entry-level opportunities and paths for growth, in FinTech Startups, Established Financial Institutions, Technology Companies, and Consulting Firms.

Here’s a breakdown of potential roles and areas:

Entry-Level Positions:

  • Fraud Analyst

  • AML/KYC Analyst

  • Fraud Investigator

  • Compliance Analyst

  • Risk Analyst

  • FinTech Developer

  • Financial Analyst

  • Data Analyst/Scientist

  • Product Manager

  • Compliance Specialist

  • Blockchain Developer

  • Cybersecurity Analyst

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Placement Policy & Guidelines for Students

The Placement Policy is applicable to all students registered with the Placement Cell of Mount Carmel College, Autonomous, and is to be followed during their entire tenure at the college.

  1. The Placement Officer & the Placement Coordinator are the facilitators and counsellors for placement related activities and will be responsible for all concerned activities & functioning of the Placement Cell.
  2. The Student Placement Committee will be assisting the Placement Officer & the Placement Coordinator in all activities related to placements.
  3. Neither the College nor the Placement Cell guarantees a job. The Placement Cell will facilitate and coordinate the placement activities on campus including bringing in companies, coordinating the recruitment drives, organizing recruitment training and other related activities leading to the successful placements of the deserving students.
  4. Applying for a company, getting recruited, joining a company is entirely the responsibility/decision of the student concerned.
  5. Opting to register for placements is completely the choice of the students. As some would want to pursue higher studies or other opportunities, such students can refrain from registering with the Placement Cell.
  6. Students are required to check the ELIGIBILITY CRITERIA for registering with the Placement Cell before registering.
  7. All final year students with an aggregate score of 60% and above and with NO ACTIVE BACKLOGS are eligible to register for placements.
  8. All registered students are required to MANDATORILY attend the recruitment training conducted by the Placement Cell and meet the necessary threshold of 75% attendance and 80% completion of the practice tests & assessments to qualify for applying to the cos. Failing to qualify may result in re-training of the student at an additional cost which is to be borne at actuals by the concerned student.
  9. The Placement Cell will notify all the registered students about the upcoming recruitment drives through mails and Whatsapp group notifications and not individually. The students are to be alert and keep a track of the notifications and apply as per their interest and eligibility.
  10. Once a student registers/enrolls for a particular company, she is expected to complete the entire recruitment process as relevant and required. Failing to do so, will result in the student being debarred from sitting for further recruitment drives. Exceptions will be made at the sole discretion of the Placement Cell only in genuine cases. Such cases/reasons to be formally communicated to the Placement Office over mail at least one day prior to the drive.
  11. The student has a choice not to participate in the recruitment process of a company after attending the Pre-Placement Talk. If she decides to continue, then she will be bound by the College Placement Policy to attend the rest of the recruitment process of the company as stated above.
  12. Students will not be allowed to participate in the selection process of a company for which she has missed the PPT.
  13. While the Placement Cell will do its due diligence and bring in the right companies, it is the responsibility of every student to check the company profile, eligibility, Job Profile and the Job Role before applying. The same will also be mailed and/or updated on the Notice Boards or social media groups.
    a. Ex 1- If a company requires the applicant to have an average of 70%, be well assured that you meet the criteria before applying to that company.
    b. Ex 2- If the company requires you to have NO standing arrears/backlogs at the time of attending the placement process, kindly DO NOT APPLY to the company if you do not meet this criterion.
  14. If, after being selected by a company, for some reason the student is not satisfied either with the pay, the timings, work allotted, etc during onboarding, she will need to take it up with the concerned within the company. The Placement Cell will not be able to intervene in internal matters. However, it is important that the students reach out to us in case there are major deviations from the terms mentioned by the company at the time of recruitment.
  15. A student can apply to as many companies as she wants and appear for interviews until the first job is secured. A student will be considered to have secured a job if her name appears in the final select list of a company.
  16. The Placement Office of MCC follows a strict “ONE OFFER PER STUDENT” Policy. However, if a student has been offered a job with a CTC less than or equal to INR 2 lakhs PA, she can opt to apply for ONE more company, subject to prior formal approval by the Placement Office.
  17. Once a student’s name appears in the final selects of a company, it is obligatory for the student to accept the offer. Rejecting offers is strictly not allowed. Defaulters will be required to submit a letter to the Principal along with a penalty fee which could be equivalent to one month’s salary being offered by the said company.
  18. Recruitment Process: All companies generally follow the following procedure (however they could be exceptions) –
    a. Presentation about the company & Job Profile (Pre-Placement Talk)
    b. Written Exam (Aptitude / Technical Test)
    c. Group Discussion and/or Task (Assignments)
    d. Interview (Technical/HR/Others)
    e. Verification of Documents
    f. Offer Letter
  19. Students are to strictly ensure the following for all recruitment drives:
    a. Must report on time as mentioned in the schedules
    b. Wear Business Formals for every recruitment process. Students wearing casuals during recruitment process will be sent back
    c. Always carry one folder containing resumes (2-3 copies), passport size photos, copies of mark sheets, certificates & stationery
    d. Compulsorily carry College & Govt. ID Cards
  20. Most companies require applicants to have Govt. ID – Aadhar & PAN. Hence it is advised for all students to apply for these before registering for placements.
    Students are not allowed to contact the Company / HR team directly for any reason through the recruitment process. In case of any issues or concerns, they are advised to contact their Placement Office and discuss their problems.
  21. Strict action will be taken against students found to be engaged in maligning the College or the Placement Office with the companies. Any grievances you may have, are to be brought to the notice of the of the Placement Officer for resolution.
  22. If a student makes any false claims in the Resume/Student Registration Form, her registration will be cancelled immediately and job offer if any, will be revoked.
  23. All companies conduct a thorough background check/verification. If the company finds that you have manipulated your marks / documents in any manner/or mis-represented any information, your job offer will be terminated, and your name will be blacklisted.
  24. Strict discipline needs to be followed by every student during the recruitment process. Any sort of indecent behavior/misbehavior which affects the decorum of the Placement Cell or the reputation of the College or the Company, will attract severe penalty and disqualification.
  25. Unless explicitly permitted by the companies, use of mobile phones is strictly prohibited during the recruitment process.
  26. Malpractice in all forms or marking proxies during the selection process and beyond, is strictly prohibited and those caught indulging in such activities would be debarred from the placement process. Also, note that no concessions in any form shall be made in such cases.
  27. It may happen that the campus recruitment process can stretch till late evenings. Students are required and prepared to be available accordingly. In case of off-line drives, students are to inform their parents and should arrange their own transportation.
  28. In case of virtual (online) recruitment drives, it is the responsibility of the students to ensure they have the necessary equipment (laptop/PC with functional webcam and mic) and sufficient internet bandwidth for seamless conduction of the process.
  29. Students are required to provide correct email IDs and contact numbers at the time of registration. These will be used for all communication from the Placement Cell and the recruiting companies. The onus is on the students to ensure the contact details provided are correct and up to date.
  30. Students are advised to check their mails regularly as all communication related to placements will be sent through mails.
  31. It is mandatory that once you receive an Intent Letter/Offer Letter from the Company, a copy must be submitted to the Placement Office. Failing which, the end semester examination Hall Ticket/results will be withheld.
  32. All students registered for placements will be bounded by the Attendance Policy of the College. Any exception to the above is permitted only through formal approval of the Placement Office and the respective Department Heads.

WE EXPECT OUR STUDENTS TO BE PROFESSIONAL AND UPHOLD THE VALUES OF THE COLLEGE AT ALL TIMES.

For all matters not covered in the above policy, the Placement Office will use its discretion to take appropriate decisions as and when required.

The above guidelines are to ensure a smooth process in the best interest of our students and the participating companies.

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