Ranjan Joshi is a Financial Services SME at HCL. He has close to 11 years of experience in enabling organisations identify and accomplish their business requirements. As a member of HCL’s D&A practice, Ranjan provides a financial services perspective to solutions built using a variety of technologies. He is a seasoned business analyst who has delivered numerous complex projects over the years including several transformation programs in retail banking and cards & payments domain. His current interests are on Blockchain, AI, IoT and other emerging technologies.