Dr. Mugdha S. Kulkarni is an Associate Professor at the Symbiosis Centre for Information Technology (SCIT), Symbiosis International (Deemed University), Pune, India. She earned her Ph.D. in Accounting from Savitribai Phule Pune University in 2017, following an M.Phil in Commerce from Christ University in 2013, an MBA from YCMOU in 2004, and an M.Com from Savitribai Phule Pune University in 2003. Her research interests encompass finance, accounting, fintech, and analytics. Dr. Kulkarni has contributed to the academic community through various publications, including studies on artificial intelligence in financial services and blockchain technology adoption in banking. She has also been recognized with awards such as the Best Paper Award from the International Journal of Advanced Research in Economics and Commerce in 2013.