Mr. Rahul Agarwal (NET–Commerce) is an Assistant Professor at the School of Business Management, C.S.J.M. University, Kanpur, with over six years of experience in teaching, research, and curriculum development. He has published in reputed national and international journals and contributed to books in finance and accounting. His academic interests include banking, public finance, financial markets, accounting, and investment decisions, with a strong commitment to enhancing financial literacy and analytical competence among students.