Bio: Mr. Manish Kumar is currently pursuing Ph.D. at Shri Mata Vaishno Devi University, Katra. He holds both B.Com and M.Com degrees from the University of Jammu and has qualified the UGC-NET. He specializes in the dynamic domain of Banking and Finance and has actively contributed to academic discourse by presenting papers at international conferences and participating in workshops of repute. His research has been published in ABDC-listed and Scopus-indexed journals, reflecting academic rigor with practical relevance.