Dr. M.S. Prathibha Raj specializes in Finance. She holds two master's degrees, an M.Com from Mysore University and an MBA from Annamalai University. She earned her doctorate in Management from Bharathiar University, Coimbatore. Her research focuses on private banks and the impact of AI in Indian banks. Dr. Prathibha has published extensively in national and international journals. She has authored a textbook on Financial Management. She received the Best Paper Award at an international conference at Surana College, Bangalore. Since 2021, Dr. Prathibha has been an Assistant Professor in the School of Business and Management at CHRIST (Deemed to be University), Bangalore Bannerghatta Road Campus. She brings over 20 years of teaching and 9 years of corporate experience.