'Devendra Singh Parmar has won the INTERNATIONAL BEST RESEARCHER AWARD during the Scopus Index Conclave 2025, powered by Asia Research Awards in association with the American Chamber of Research, United Medical Council, Times of Research, and Chronicles Time. He is a seasoned banking and technology leader with over 15 years of experience driving AI-led transformation, risk management, and digital innovation across top-tier financial institutions including HSBC and Discover Financial Services. His core expertise lies at the intersection of artificial intelligence, credit and fraud risk management, and enterprise program delivery, where he has led global initiatives to build and deploy cutting-edge AI models that have saved millions in fraud losses and enhanced regulatory compliance controls. A recognized thought leader and Senior Member of IEEE, Devendra has authored several influential articles and research publications. He has published thought leadership pieces in the American Banking Association’s Risk and Compliance magazine, contributed insights on AI governance and innovation through the IndiaAI platform, and written peer-reviewed scholarly articles in IEEE Access and ACM conference proceedings. He also regularly speaks at global industry and academic conferences, helping shape dialogue on the future of AI in finance. He has served as a judge for the MIT 100K Pitch Competition and Duke University’s product hackathons, actively supporting fintech innovation and entrepreneurial talent. Devendra holds dual MBAs from the Kellogg School of Management, USA, and the Indian Institute of Management, Lucknow, along with a Postgraduate Program in Data Science and Business Analytics from the University of Texas at Austin. His academic and professional journey reflects a deep commitment to fusing technical rigor with strategic foresight. Passionate about advancing ethical and sustainable AI in finance, Devendra continues to mentor, publish, and advise on transformative solutions that elevate resilience, trust, and intelligence in modern banking systems.'