Post pandemic technology in banking and finance industry will play a pivotal role in growth of the banking industry.  This issue focuses on variety of topics related to banking industry.                     In this issue we have covered articles on Cyber Security, its importance in banking and precautions - Tushar Maheshwari, The Cerberus Trojan : Way to Paatal lok - Suraj Kumar Shoundi, Blockchain Technology for Agriculture: Applications and Rationale - Alekh Kumar Sahoo, MSME advances-Root cause analysis of Poor Growth & Suggestions for Improvement - Vijay Kumarr Shaw, Role of Auditors as a Watchdog in a Business Entity - Arun K Bhardwaj.   We have covered news on Banking, RBI, GST News, Industry, Housing, Mutual Fund, Co-Operative Bank.      Besides it covers other interesting features.