Mr. Joshy Mathew K completed his MBA in Finance and Human Resource from MAC FAST and B Com from the University of Kerala. He has also qualified for UGC NET.  He is in the Academic sector for more than 6 years and has also been associated with the Financial, and skill sectors for 2 years before turning to his passion for teaching. He believes learning is a continuous growing process and that education is based on values. His areas of interest include Accounting and Finance, Banks, Security Analysis, and Performance Management. His recent publications are “Efficiency Assessment of Small Finance Banks Using Data Envelopment Analysis (DEA) Model” and “Prediction of Credit Risk of Regional Rural Banks Using Gray Forecasting Model”.