How students can shine in the fast-changing world of AI and finance

India Today

11-08-2025

In the past decade, FinTech has moved from the periphery to the mainstream, revolutionising financial services worldwide. From mobile banking and algorithmic trading to AI-driven credit scoring, the sector is rewriting the rules of finance. At the centre of this change is the need for people who understand both the logic of money and the language of technology. For commerce students, this is both a calling and an opportunity. The future belongs to hybrid talent, those who combine traditional financial expertise with digital savvy.advertisementIn today's tech-driven world, finance and commerce are evolving faster than ever, opening exciting opportunities for students who adapt and upskill. Prof (Dr.) Ravi Vyas, HOD–Commerce at Medicaps University, shares insights on how to stay ahead in this dynamic landscape.WHY FINTECH FEELS FAMILIAR TO COMMERCE GRADUATESFinTech may appear tech-heavy, but its roots lie in principles commerce students already know financial markets, balance sheets, and credit risk. The difference is that these concepts are now applied through platforms, apps, and algorithms. This gives commerce graduates a strong entry point into FinTech, provided they add a digital literacy layer to their knowledge. Understanding how payment processes or automated credit decisions work is simply an extension of what they already study now in a digital context.CREATING THE SKILLS THAT MATTER
Digital literacy is no longer optional. A working understanding of AI, blockchain, and APIs can help students grasp the systems they'll work with. Tools such as Excel macros, Power BI, and Tableau are becoming standard in analytics roles, and even basic Python skills can set candidates apart. Affordable online certifications from platforms like Coursera, NSE Academy, or IIMs make such learning accessible.Analytical thinking is equally vital. The ability to interpret data, identify patterns, and generate insights is central to FinTech. Simulation software and case studies can help students apply theory to practice. Soft skills-especially business communication and data storytelling—are also essential for explaining complex results to diverse teams.LEARNING OUTSIDE THE CLASSROOMExposure to real-world challenges is key. Hackathons, case competitions, and workshops sharpen problem-solving abilities and expand professional networks. Some colleges now partner with FinTech incubators and platforms to give students sandbox environments for experimenting with financial models or developing MVPs of digital products experiences that can be career-defining.HOW COLLEGES CAN SUPPORT THIS SHIFTTo prepare students for FinTech, universities must adapt. Industry-integrated modules, guest lectures by FinTech leaders, specialised tech labs, and access to sandbox platforms can bridge the gap between theory and practice. Mentorship programs and targeted placement support in FinTech startups can further strengthen the education-to-employment pathway.- Ends