Sawagvudcharee, Ousanee

Loading...
Thumbnail Image
Preferred name
Sawagvudcharee, Ousanee
Main Affiliation
Email
ousanee.sa@kmitl.ac.th

Settings

Now showing 1 - 2 of 2
  • Loading...
    Thumbnail Image
    Some of the metrics are blocked by your 
    consent settings
    Item type:Publication,
    Climate Risk Management in Indian Banking: A Comparative Analysis of Commercial and Development Institutions
    (2026-01-01)
    Rani, Meenakshi
    ;
    Sawagvudcharee, Ousanee
    Climate change has become a systemic risk to financial stability and banks have become important actors in risk mitigation and sustainable development. This paper discusses how the functions of Indian commercial banks and development finance institutions, especially NABARD and SIDBI have changed in the context of coping with climate-related financial risks. Institutions, that is, NABARD and SIDBI, in the context of coping with climate-related financial risks. Based on the panel data between 2012 and 2022, the analysis employs both econometric modeling and stress testing to measure the effect physical risks on major performance indicators, such as return on assets (ROA), non-performing assets (NPAs), and credit disbursement patterns, such as extreme weather events and transition risks (e.g., policy changes and carbon pricing). Results show that commercial banks have begun to build in ESG criteria and climate-sensitive lending behaviours, but nonetheless face considerable exposure to physical climate shocks and especially in the areas of agriculture, energy, and infrastructure. Conversely, development banks are becoming more resilient and oriented in proactive direction to finance long-term adaption and green infrastructure. Are becoming more resilient and have a proactive orientation toward long-term financing adaptation and green infrastructure. Nevertheless, there are still issues related to standardization of the data, climate risk disclosure and harmonization of the regulations as to the data standardization, climate risk disclosure, and harmonization of regulations. This study sheds light on the comparative effectiveness of the strategies by climate risks in Indian banking sector and the necessity to have a concerted policy action, capacity, and blended finance models to harmonize banking practices to national climate objectives.
  • Loading...
    Thumbnail Image
    Some of the metrics are blocked by your 
    consent settings
    Item type:Publication,
    Integrating Fintech and Digital Innovation in Climate Finance
    (2026-01-01)
    Sawagvudcharee, Ousanee
    ;
    Vohra, Simran
    The long-term sustainability of climate finance depends on comprehending and managing risk and resilience. Due to the excessive levels of environmental degradation and climate change caused by human activity, there has been a recent surge in international efforts to promote environmental sustainability, eco-friendliness, and ecosystems and mitigate climate change. The purpose of this study is to learn more about how Fintech and digital innovations can be integrated into client finance. “How should Fintech and digital innovations be integrated in climate finance for global perspectives?” is emphasized. The triangulation approach was employed to enhance the validity, credibility, and completeness of a study’s findings. The document technique and non-participant observation were used to collect data. Critical analysis, content analysis, and thematic coding techniques were used. The findings demonstrate that information systems (IS), including information technology (IT), are necessary for integrating fintech and digital innovations in climate funding for global perspectives in all other economic sectors, including the financial industry. Ecological sustainability is a major worry for authorities globally due to the disastrous consequences. Fintech, digital innovations, and climate funding are some of the new strategies required to combat climate change, ethical governance, and related environmental challenges. Fintech and other digital advancements include new methods of product development and company operations that impact businesses and services. Fintech innovations like artificial intelligence (AI) and technology have the potential to significantly alter the climate funding industry by enhancing accessibility, reliability, safety, and transparency. Fintech, or financial technology, has the potential to improve service delivery and address societal issues like water sustainability.