毕马威：2025年即兴创新驱动绩效提升：喀拉拉邦金融服务业的崛起及其全国性影响报告（英文版）

This report is the outcome of a concerted and collaborative effort, reflecting the dedication and expertise of a multidisciplinary team committed to advancing thought leadership in BFSI sector emphasizing Kerala. We extend our sincere appreciation to all contributors whose insights, research, and editorial support have shaped the quality and depth of this publication. We gratefully acknowledge the Confederation of Indian Industry (CII) Kerala Banking & NBFC Panel for their strategic guida