Joshua George

Mentor: Dr. Sugata Ray
Warrington College of Business
"I have a strong passion for learning and discovering more about financial inclusion and the ways we can bring financial services to the poor. I hope to learn more about the financial risks and process associated with starting a business in a third world country I hope to use my research to help families struggling to find a sustainable living and provide future opportunities for India’s posterity."





Research Interests

  • Stock Markets
  • Consumer Behavior
  • Microfinance

Academic Awards

  • Microsoft Office Excel Certified 2013
  • Microsoft Access Certified 2013
  • Florida Bright Future Recipient
  • University Scholars Program 2016


  • Agriculture Econmics Club
  • Gator Tech



Hobbies and Interests

  • Basketball
  • Board Games

Research Description

Financial Inclusion: The Current Situation in India
By 2050, India will have the second largest economy in the world according to PricewaterhouseCoopers and Citi Group. Concurrently, the country is also predicted to have the largest population in the world, thereby projecting extremes in income inequality and poverty rates. As a result of this forecast, the Reserve Bank of India has declared plans to lower inequality through financial inclusion programs, which brings financial services to the rural, most impoverished sections of India. How effective are the financial inclusion initiatives in India? What risks and benefits are associated with the current model and where can the model be improved? I analyze primary data and compare current models used in India with other models from around the world.