Fundamentals of Financial Inclusion and Cyber Safety

Prof. Gagan Singh, M. Com., M. Phil. (Gold Medalist) and Ph. D. (Himachal Pradesh University, Shimla), Director, School of Management Studies and Commerce Programme Coordinator (Commerce), Uttarakhand Open University, Nainital (Uttarakhand) since 2007, Worked in various Projects, Funded by World Bank, University Grant Commission and Ministry of Human Resource Development, Government of India as a Field Investigator. Course Coordinator for the Courses Developed for SWAYAM and SWAYAM Prabha. Presently also working as a Member CIQA, NAAC (UOU), and Nodal Public Grievance Officer. Developed Self Learning Material for Uttarakhand Open University, Haldwani, Guru Jambeshwar University, Hisar, M P BHOJ Open University, Madhya Pradesh, IGNOU, New Delhi. Published 50 research papers in reputed international and national journals/Magazine/Edited Books. Presented 18 research papers in international and national conferences. Area of Specialization: Accounting and Finance Areas of interest are: Public Sector Enterprises, Tourism, Open and Distance learning.

Dr. Gopal Datt is working as an Assistant Professor in the School of Vocational Studies at Uttarakhand Open University, Haldwani. He holds a Ph.D. in Computer Science and has over eight years of teaching experience at the level of higher education (UG / PG). His areas of expertise include ICT applications in Open and Distance Learning (ODL), Vocational and Skill Development, Programming Languages, Software Engineering, etc. Dr. Datt has developed several skill-based courses for the university, including Digital Marketing, E-Office Management, Data Science and Applications, Web Designing, Technology-Enabled Learning, and Communication Skills. He is the course coordinator for the following SWAYAM MOOCs- Entrepreneurship Skills and Digital Marketing Strategies (Medium: English), Essential Life Skills for 21st Century Learners (Medium: Hindi), Workplace Skills for 21st Century Learners (Medium: Hindi). In addition to his academic responsibilities, Dr. Datt is actively involved in various research projects funded by prestigious organizations such as UCOST, Dehradun; CEMCA, New Delhi; and the National Institute of Himalayan Environment, Koshi-Katarmal, Almora. He has also published over 15 research papers in reputed national and international journals indexed in SCI, SSCI, Scopus, and UGC CARE databases.

Dr. Neelima Budhani is an Assistant Professor in the School of Computer Science & IT at Uttarakhand Open University, Haldwani, Uttarakhand, India. She holds a Ph.D. in Computer Science from Banasthali Vidyapith, Rajasthan. With over 12 years of teaching experience, she specializes in Artificial Neural Networks (ANN), Machine Learning, Digital Electronics, and Soft Computing Techniques. Her research primarily focuses on ANN applications, particularly in stock market prediction. She has published more than 10 research papers in reputed national and international journals and conferences. Additionally, she has contributed to IEEE Xplore and various academic forums, addressing key topics such as neural networks, machine learning, and mobile technologies.

Dr. Geetanjali Bhatt Sharma Assistant Professor in the School of Management Studies and Commerce at Uttarakhand Open University, Haldwani Uttarakhand India. She holds an M. Com, an M.A. in Economics, and a Ph.D. in Microfinance from Kumaun University. She has more than 8 years of teaching experience. She has presented 8 research papers at international and national conferences along with more than 9 research papers published in reputed national and international journals. In addition to academics, she has worked in an NGO, been actively involved in microfinance activities, particularly in forming SHGs, and conducted various training programs for vulnerable groups, including women.