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Evolution of Science and Engineering has led to the growth of several commercial applications. The wide spread implementation of commercial based applications has in turn directed the emergence of advanced technologies such as cloud…

Internet access is a special resource of which needs has become universal across the public whereas the service is operated in the private sector. Mobile Network Operators (MNOs) put efforts for management, planning, and optimization;…

The greatness of any nation depends largely on the system of education that is used to nurture its talent from within. With the digital era taking the spotlight, and the world rapidly reforming into a global village, it is now…

Shaped by structural forces of change, banking in emerging markets has recently experienced a decline in its traditional activities, leading banks to diversify into new business strategies. This paper examines whether the observed shift…

The mapping of populations socio-economic well-being is highly constrained by the logistics of censuses and surveys. Consequently, spatially detailed changes across scales of days, weeks, or months, or even year to year, are difficult to…

Mobile applications have been rapidly changing the way business organizations deliver their services to their customers and how customers can interact with their service providers in order to satisfy their needs. The use of mobile…

Several ICT studies give anecdotal evidences showing privacy to be an area of concern that can influence adoption of technology in the developing world. However, in-depth understanding of end users' privacy attitudes and awareness is…

The information technology and security stakeholders like CIOs, CISOs and CTOs in financial services organization are often asked to identify the risks with mobile computing channel for financial services that they support. They are also…

While there is ample evidence that social and communication networks play a key role during the spread of new ideas, products, or services, network effects are expected to have diminished influence in the stationary state, when all users…

The introduction of new payment methods has resulted in one of the most significant changes in the way we consume goods and services. In this paper, I present results of a field and a laboratory experiment designed to determine the effect…

With a new deprivation (or poverty) function, in this paper, we theoretically study the changes in poverty with respect to the `global' mean and variance of the income distribution using Indian survey data. We show that when the income…

Epidemics of infectious diseases are among the largest threats to the quality of life and the economic and social well-being of developing countries. The arsenal of measures against such epidemics is well-established, but costly and…

Consumption is a primary source of economic growth and key indicator of poverty. The establishment of community banks can provide credit resources, unlocking household consumption potential and playing a crucial role in economic…

The massive amounts of geolocation data collected from mobile phone records has sparked an ongoing effort to understand and predict the mobility patterns of human beings. In this work, we study the extent to which social phenomena are…

We leverage a quasi natural experiment from India on introduction of free bus schemes for women across five states to study it's impact on women's workforce participation. We use two rounds of the representative Time Use Survey and a triple…

Mobile commerce is enabling the development of additional revenue streams for organizations through the delivery of chargeable mobile services. According to the European Information Technology Observatory, the total amount of revenue…

In this paper, we review some advances made recently in the study of mobile phone datasets. This area of research has emerged a decade ago, with the increasing availability of large-scale anonymized datasets, and has grown into a…

Rural connectivity is widely research topic for several years. In India, around 70% of the population have poor or no connectivity to access digital services. Different solutions are being tested and trialled around the world, especially in…

I develop and estimate a dynamic equilibrium model of risky entrepreneurs' borrowing and savings decisions incorporating both formal and local-informal credit markets. Households have access to an exogenous formal credit market and to an…

Wealth distribution is a complex and critical aspect of any society. Information exchange is considered to have played a role in shaping wealth distribution patterns, but the specific dynamic mechanism is still unclear. In this research, we…