Specialist Voice · Core Banking & Financial Services 
Anubha Sharma Mishra
Financial services and banking technology consultant with more than 15 years of experience across lending, deposits, payments, finance transformation and regulatory reporting. She has worked with financial institutions across North America and Europe, focusing on banking transformation, core banking modernization, and SAP-based financial services platforms.
Anubha Sharma Mishra is a Senior Consultant at SAP Fioneer. She writes here in a personal capacity; views are her own. Articles are vendor- and firm-neutral.
On sapperment
- The Fragmentation of Lending: Regulatory Responses, Lessons from India, and the Changing Role of Banks
- The Subledger That Nobody Sees
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