Hemalatha Murugesan

Software professional and independent researcher with expertise in banking technology, commercial lending platforms, core banking systems, and contact center solutions. Over a decade of experience in software engineering and enterprise application development, contributing to large-scale digital transformation initiatives including IVR modernization, lending automation, and banking system integrations. Areas of interest include Artificial Intelligence in banking operations, fraud detection, predictive analytics, intelligent contact center technologies, and data-driven financial solutions. Actively building a research and publication profile focused on AI-powered banking systems, commercial lending risk management, and customer experience optimization through modern technology platforms.