Anitha Kumari Gandhi Institute of Technology and Management   GITAM University Bengaluru Bengaluru, Karnataka 561203 India   anitapbl@gmail.com     Biographical Sketch: Anitha Kumari is currently a Doctoral Fellow at the School of Management, Hindustan Institute of Technology and Science, where she doing her teaching and research. Her Bachelor’s degree was in Computer Applications, while she obtained Master’s in Business Administration with a speciality in finance and systems. She is interested in business, management, operations, information technology, data analysis, accounts and finance. Her current research focus is on new technologies, information systems and digital banking services. She has conference presentations and published journal articles to her record. She has 5 years of teaching experience in finance and systems.   Primary Research Focus: Business, Finance, New technologies, information systems and digital banking services   JEL Areas: M1 : Business Administration: General P : Economic Systems