This project explores how financial technology (FinTech) has transformed corporate finance operations at ICICI Bank Limited between FY2015 and FY2025, with emphasis on digital lending, risk management, and capital efficiency. The study adopts a case-based methodology supported by ratio analysis, stress testing, Monte Carlo simulation, and ARIMA forecasting. Findings reveal that FinTech adoption enhanced loan growth while simultaneously improving asset quality, contradicting the traditional growth–quality trade-off. Risk management practices strengthened through analytics-driven monitoring, while capital efficiency improved with sustained governance reforms. The evidence suggests that technology acted as an enabler rather than a standalone driver of transformation, amplifying the impact of institutional reforms in credit culture and governance. The study concludes that sustainable corporate banking outcomes require the integration of digital infrastructure with disciplined risk management and governance practices.
Reddy et al. (Mon,) studied this question.
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