Ms. Sadhana Tiwari is a Postgraduate, in M.Sc. Mathematics, FGDFM and M.B.A.in Finance. She is Six Sixma Certified from the Ministry of MSME. Her area of Research is Technological Disruption and its impact on the workforce in the Indian Banking Sector. She has total work experience of 14 years. She has conducted many workshops in the area of Statistics, Digital Banking, Banking Operations, Marketing .Ms. Sadhana Tiwari has developed content material for Probationary officers trainees of nationalized banks. Ms. Sadhana Tiwari is presently an Assistant Professor at School of Business Studies at Sharda University.