Vasant Chintaman Joshi (M.A. (Mumbai); M.A. (Cantab, UK; Triops in Economics)) is Founder Director of the VCJ Institute of Research and Development, India. He has vast experience in the banking field as General Manager (Retd.), Bank of India, and Director (Retd.), National Insurance Academy. He has authored several books on banking and finance including Managing Indian Banks: Challenges Ahead, Digital Finance: Bits and Bytes, and Inclusive Banking in India: Re-imagining the bank business model. He has also written a comprehensive report on the management practices of microfinance institutions for the Indian Council of World Affairs.