Faculty Fellow
Information Systems



  • PhD, Information Systems, Indian Institute of Management Bangalore
  • B.Tech, Comp Sc.& Engg., West Bengal University of Technology


Information Systems

Information Systems

Digital Business Models

Digital Business Models

Significant Publications

Pal, A., De', R., 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.

Pal, A., Herath, T., De, R. & Rao, H. R. (2020). Is the Convenience Worth the Risk? An Investigation of Mobile Payment Usage. Information Systems Frontiers, 1-21.

De, R., Pandey, N., & Pal, A. (2020). Impact of Digital Surge during Covid-19 Pandemic: A Viewpoint on Research and Practice. International Journal of Information Management, 102171.

Pal, A., De‘, R., & Herath, T. (2020). The role of mobile payment technology in sustainable and humancentric development: Evidence from the post-demonetization period in india. Information Systems Frontiers, 1-25.

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, 1-27.

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.

De‘, R., Pal, A., Sethi, R., Reddy, S. K., & Chitre, C. (2017). ICT4D research: a call for a strong critical approach. Information Technology for Development, 63-94.

Research Areas

Mobile Payment Technology

Technology Usage and Adoption

Information & Communication Technology for Development (ICT4D)

Indian Institute of Management Kozhikode

IIMK Campus P. O, Kozhikode, Kerala, India,
PIN - 673 570


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