The B.Com (Computer Applications) Department hosted a very informative guest lecture about “Fintech and Crowdfunding Evolution: Helping Startups and Making Investing More Accessible” on 7.10.2024. The lecture was given by CA Shiva, Managing Director of India Operations and has a lot of experience in finance and investing.

Understanding Fintech and Its Importance in Today’s Business: CA Shiva started by explaining what Financial Technology (Fintech) is and how it’s changing global finance. He spoke about how new technologies like mobile payments, online banking, blockchain, and AI are changing traditional financial services. This change is giving businesses, especially startups, better and easier-to-use financial tools.

Crowdfunding- Making Investment Accessible: The speaker spoke about how crowdfunding has become a common way for businesses to get money. He explained different types of crowdfunding, like donation-based, reward-based, equity-based, and peer-to-peer lending. CA Shiva pointed out that crowdfunding platforms help small businesses and entrepreneurs get funding from many people, without needing banks or other traditional financial organizations.

Empowering Startups with Fintech and Crowdfunding: CA Shiva spoke about how fintech and crowdfunding work together to help startups and individual investors. He showed how fintech has made it easier for startups to get started and for people to invest. He gave examples of startups that used crowdfunding to get their first money. He also explained how fintech platforms are making financial services more accessible, so startups can manage their money with less need for big setups.

Problems and Possibilities: CA Shiva also spoke about the challenges of fintech companies and crowdfunding platforms face, like dealing with rules, avoiding fraud, and managing market changes. He advised future entrepreneurs to stay aware of the laws and ways to reduce risks. He also pointed out the chances that come from making investing more open, where people from all income levels can invest in startups and grow their money.

The guest lecture gave participants a thorough understanding of how fintech and crowdfunding are changing the financial world, helping new businesses, and making investing easier.