For most M.Com students, fintech isn’t a job title. It’s not a startup hoodie thing. It’s simply the environment you’ll be working in. Finance now runs on systems payments, accounting, reporting, compliance, everything. So fintech, in real life, means knowing how finance concepts behave inside software. If you understand that, you’re already halfway there.
No. And it’s okay to relax a bit here.
Most finance roles don’t expect you to build systems. They expect you to understand outputs. If a report looks odd, can you question it? If numbers don’t match, can you think through possible reasons? That’s the level of “tech comfort” recruiters quietly want from M.Com graduates.
The useful skills are honestly less glamorous than people think. Strong Excel still matters. Knowing how to read dashboards helps. Understanding digital payments and reconciliations is important. A basic sense of compliance systems like GST portals or audit trails goes a long way. You don’t need depth everywhere. Familiarity beats overload.
Not really. What’s being replaced is repetition. Posting entries. Matching invoices. Basic processing.
What remains and actually grows is review, judgment, explanation, and accountability. Fintech hasn’t killed finance roles. It has pushed humans into more thinking-heavy positions earlier than before.
Usually in boring, everyday places.
You’ll be checking system-generated reports. Reconciling digital transactions. Reviewing automated calculations. Coordinating with ops or tech teams when something doesn’t line up. You’re not “working in fintech.” You’re working through fintech. That’s the real shift.
A big one is chasing advanced tools too early. Another is collecting certificates without using anything in practice. Some students also ignore basics like Excel depth because it feels too simple. Fintech rewards clarity, not complexity. One tool understood properly is better than five barely remembered courses.
Not necessarily. In fact, many traditional internships now are fintech-driven without saying so. Audit, tax, finance, compliance — all of them run on software. What matters is whether you’re exposed to systems, live data, and digital workflows. Labels don’t matter. Exposure does.
Their inquiry tends to be very much based around the practicalities of how to:
“Would you verify this report to ensure its accuracy?”
“What would you do if the figures did not match?”
“How do you validate the accuracy of an automated process?”
They really want to understand your thought processes; they are more interested in how you apply calm logic than in your use of complex buzz words. An answer that states, “I would check the data source first” is often far superior to one that is filled with buzz-words.
Some are trying. Many are still catching up. A few institutions, including certain MCom Colleges in Pune, have started adding fintech exposure through workshops or electives. But change is slow. That’s why students who take small self-learning steps alongside college tend to feel more confident later.
Enough fintech means you’re not scared of systems.
You can read reports without freezing.
You know errors can happen and where to look.
You’re comfortable asking questions when something feels off.
It doesn’t mean becoming technical. It means being steady in a digital finance setting. That steadiness is what recruiters notice.
