The focus of research and development activities of the Institute is primarily applied in nature i.e., original investigation to acquire new knowledge towards a practical aim or objective that will serve the Indian Banking industry. Accordingly, the Research and Development activities of the Institute are aimed at improving Banking Technology in the country.

While addressing the immediate concerns of the Banking Sector, the Research at the Institute also focuses on anticipating the future needs and requirements of the Banking Sector and developing technologies to address them.

The Focal Areas of Research in the Institute, currently are:

• Financial Networks and Applications
• Electronic Payments and Settlement Systems
• Security Technologies for the Financial Sector
• Financial Information Systems and Analytics.