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Academics

Academic Background:

Ph.D., Information Systems, Indian Institute of Management Bangalore
B.Tech, Computer Science, West Bengal University of Technology

Experience

Work Experience:

Faculty Fellow & Assistant Professor (2020-2022), Indian Institute of Management Kozhikode
Senior Systems Engineer (2010-2014), Infosys Ltd.

Research

Journal Publications:

• Pal, A., Desai, A., & De, R. (2026). Investigation of Mobile Payments aiding Women Microentrepreneurs: Evidence from Rural India. Information Systems Frontiers, 1-32.
• Pal, A., & Ansari, S. (2026). Technology for Development, But for Whom? Social Inequality Across Three Eras in India. Journal of Human Values, 09716858261438224.
• Pal, A., Dé, R., & Rao, H. R. (2025). The risk-risk trade-off (R2T) framework: Examining contact [cash] versus contactless [mobile] payment usage. Decision Support Systems, 196, 114495.
• De’, R., Pal, A., & Pandey, N. (2024). Responsible regulation for digital services in India. Journal of Information Technology Case and Application Research, 26(4), 285-295.
• Pal, A., Herath, T., & Rao, H. R. (2021). Why do people use mobile payment technologies and why would they continue? An examination and implications from India. Research Policy, 50(6), 104228.
• Pal, A., De, R., & Herath, T. (2020). The role of mobile payment technology in sustainable and human-centric development: evidence from the post-demonetization period in India. Information Systems Frontiers, 22(3), 607-631.
• Pal, A., Herath, T., De, R., & Rao, H. R. (2021). Is the convenience worth the risk? An investigation of mobile payment usage. Information systems frontiers, 23(4), 941-961.
• Pandey, N., & Pal, A. (2020). Impact of digital surge during Covid-19 pandemic: A viewpoint on research and practice. International journal of information management, 55, 102171.
• Pal, A., De, R., & Herath, T. (2020). The role of mobile payment technology in sustainable and human-centric development: evidence from the post-demonetization period in India. Information Systems Frontiers, 22(3), 607-631.
• Pal, A., Herath, T., De’, R., & Rao, H. R. (2020). Contextual facilitators and barriers influencing the continued use of mobile payment services in a developing country: insights from adopters in India. Information Technology for Development, 26(2), 394-420.
• De, R., Pal, A., Sethi, R., Reddy, S. K., & Chitre, C. (2018). ICT4D research: A call for a strong critical approach. Information Technology for Development, 24(1), 63-94.
  Pal, A., De, R., Herath, T., & Rao, H. R. (2019). A review of contextual factors affecting mobile payment adoption and use. Journal of Banking and Financial Technology, 3(1), 43-57.

Conferences:

• Pal, A. Why the Truly Marginalized Use Mobile Payments? Evidence from a Low-Income and Less-Educated Population of a Developing Economy (December, 2023). Proceedings of Pre-ICIS Workshop, SIG GlobDev 2023, held at Hyderabad, Dec 2023                      
• Pal, A., De, R., & Rao, H. R. (2023). Why would microentrepreneurs continue using mobile payments? An entrepreneurial perspective with evidence from India. Proceedings of the European Conference of Information Systems 2023, held at Kristiansand, Norway.
• Pal, A. & De’, R. (2021, May). For Better or For Worse? A Framework for Critical Analysis of ICT4D for Women. Proceedings of IFIP 9.4 Virtual Conference 2021 on Resilient ICT4D.
• Balan, U. M., & Pal, A. (2020, December). Is Cash Still the Enemy? The Dampening of Demonetization’s Ripple Effect on Mobile Payments. In International Working Conference on Transfer and Diffusion of IT (pp. 529-540). Springer, Cham. Proceedings for IFIP WG8.6 Working Conference. Tiruchirapalli, India
• Pal, A., & Ansari, S. (2020, December). Protective Security by Online Promotions Paired with Mobile Payments: Evidence from Covid-19 Crisis Relief Fund Collection in India. In International Working Conference on Transfer and Diffusion of IT (pp. 15-23). Springer, Cham. Proceedings for IFIP WG8.6 Working Conference. Tiruchirapalli, India.
• Pal, A., De’, R. (2019, February). Sustainable ICTs for Human-centric Development:  Evidence from Mobile Payment Technology in India. Workshop on ‘Being More Human in a Digitized World’ co-hosted by MCVH (IIM Calcutta) and AIS India Chapter. Calcutta, India. 
• Pal, A., Herath, T., De, R., & Rao, H. R. (2018). An investigation of affordances and constraints for continued usage of mobile payment technology. In Proceedings annual workshop of the AIS special interest group for ICT in global development. GlobDev. 13. In ICIS. San Francisco, USA. 
• Pal, A., Herath, T., De’, R., & Rao, H. R. (2018, June). Factors facilitating Adoption of Mobile Payment Services over Credit/Debit Cards: An Investigation after the Demonetization Policy Shock in India. In Pacific-Asia Conference of Information Systems (PACIS) (p. 337). Yokohama, Japan. 
• Pal, A. (2017, March). Motivations of individuals contributing to open content creation projects: a cultural comparison between developed and developing countries. Proceedings of the 10th International Conference on Theory & Practice of Electronic Governance (ICE-GOV) (174-177). New Delhi, India. 
• Pal, A., & Ojha, A. K. (2017, June). Institutional Isomorphism due to the Influence of Information Systems and Its Strategic Position. In Proceedings of the 2017 ACM SIGMIS Conference on Computers and People Research (pp. 147-154). ACM. Bangalore, India. 
• Sunar, A., Krishna, A., & Pal, A. (Mar 2025) Mobile Payments Research: A Transformation over Three Decades. India Conference on Information Systems (InCIS) 2025. Kolkata. India. (co-presented)
• Banerjee, P.K., & Pal, A. (Mar 2025). How does E-government influence Corruption Perceptions: Evidence from a Developing Country. India Conference on Information Systems (InCIS) 2025. Kolkata, India. (Co-presented)
• Madem, A., Aramane, P., & Pal, A. (Dec 2023). Why Individuals Still Don’t Use Mobile Payments? An Investigation of Non-Adopters in India, at Pre-ICIS Forum, Digital Innovation, Entrepreneurship, and Transformation (DIET) Forum. Hyderabad, India.
• Pal, A. (March, 2023) Did Mobile Payments Rise to the Occasion for the Marginalized? Evidence from a Developing Economy during the Covid-19 Crisis, at International Research Colloquium on Reimagining Digital: Business and Society, co-hosted by IIM Calcutta, IIT Madras, & Univ. of Passau. Kolkata, India.
• Pal, A., De, R., & Rao, H. R. (2023, April). Innovative Usage of Mobile Payments by Microentrepreneurs: Evidence from the Indian Unorganised Sector. Presented at the International Research Conference on FinTech: Innovation, Inclusion, and Regulation, co-hosted by CAFRAL & IIMA, Ahmedabad, India
• Pal, A. (2022, November). Did Mobile Payments Rise to the Occasion for the Marginalized? Evidence from a Developing Economy during the Covid-19 Crisis. Presented at the 5^th International Conference on Digital Economy. Raipur, India.
• Pal, A. (2021, December). Interpreting Human Values for Information and Communication Technology: Evidence from Three Cases in India at the Globalizing Indian Thought Conference, Kozhikode, India.
• Pal, A., Ansari, S. (2020, December). “(Em)Pairing Online Promotions with Mobile Payments for Collection of Crisis Relief Fund. In 4^th International Conference on Marketing, Technology, and Society. Kozhikode, India.
• Pal, A., Herath, T., De’, R., & Rao, H. R. (2019, December). How Convenient is Mobile Payment? An Investigation of Antecedents to Perceived Risk and Perceived Security of Usage of Mobile Payment Services. In International Conference on Secure Knowledge Management in Artificial Intelligence Era. Goa, India.
• Pal, A., & De’, R., (2019, December). Are Threats driving Security Measures in Organizations? A Mixed-Method Study of Employee Behavior Post Security Breach Incidents In TREO Talks in conjunction with the Fortieth International Conference on Information Systems. Munich, Germany [Presented by De’, R.]
• Pal, A., (2017, December). Motivations of Individuals Participating in Social Media— A Cultural Perspective. In Fifth PAN IIM World Management Conference. Lucknow, India

Research Interests:

Mobile payment usage, technology usage models, ICT4D