Pulak Ghosh

Indian Institute of Management (IIMB), Bangalore

Bannerghatta Road

Bangalore, Karnataka 560076

India

SCHOLARLY PAPERS

35

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26

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23

Scholarly Papers (35)

1.

Financial Inclusion and Alternate Credit Scoring: Role of Big Data and Machine Learning in Fintech

Indian School of Business
Number of pages: 85 Posted: 14 Jan 2020 Last Revised: 16 Apr 2021
National University of Singapore, Indian School of Business (ISB), Hyderabad, Indian Institute of Management (IIMB), Bangalore and Johns Hopkins University
Downloads 1,343 (20,930)
Citation 3

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Fintech, Big data, Credit scores, Financial inclusion, Lending, Machine Learning, Mobile footprint, Prediction Counterfactual, Social footprint, Social capital

2.

Demonetization and Digitization

Number of pages: 57 Posted: 02 Jul 2018 Last Revised: 26 Dec 2018
National University of Singapore, Finance, Accounting, and Control, School of Management and Entrepreneurship, Indian Institute of Management (IIMB), Bangalore, Indian Institute of Management (IIM), Indore and The University of Hong Kong - Faculty of Business and Economics
Downloads 1,268 (22,806)
Citation 11

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Digitization, Payment Method, Demonetization

3.

Banking the Unbanked: What Do 255 Million New Bank Accounts Reveal about Financial Access?

Columbia Business School Research Paper No. 17-12, Georgetown McDonough School of Business Research Paper No. 2906523, HKUST Finance Symposium 2017, Indian School of Business WP 2906523
Number of pages: 76 Posted: 30 Jan 2017 Last Revised: 13 Nov 2017
National University of Singapore, Indian School of Business (ISB), Hyderabad, Indian Institute of Management (IIMB), Bangalore, State Bank of India, Columbia University - Columbia Business School, Finance and Stanford University
Downloads 1,148 (26,368)
Citation 23

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Banking, Financial Inclusion, Financial Literacy, Big Data, Financial Access, Savings, Spending, Debit Card, Consumer Finance, Household Finance

4.

FinTech Lending and Cashless Payments

Proceedings of Paris December 2021 Finance Meeting EUROFIDAI - ESSEC
Number of pages: 74 Posted: 12 Mar 2021 Last Revised: 11 Mar 2022
Pulak Ghosh, Boris Vallee and Yao Zeng
Indian Institute of Management (IIMB), Bangalore, Harvard Business School - Finance Unit and University of Pennsylvania - The Wharton School
Downloads 704 (51,976)
Citation 2

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FinTech, lending, payments, verifiability, data sharing, open banking.

5.

How Costly are Cultural Biases? Evidence from FinTech

Number of pages: 67 Posted: 08 Jan 2021 Last Revised: 26 Oct 2021
Boston College, Indian Institute of Management (IIMB), Bangalore, affiliation not provided to SSRN and Georgetown University
Downloads 588 (65,500)
Citation 5

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Taste-based Discrimination, Statistical Discrimination, Cultural Finance, Robo-Advising, Lending, Disintermediation, Cultural Economics

6.

Digital Payments and Consumption: Evidence from the 2016 Demonetization in India

Number of pages: 57 Posted: 28 Jul 2020
Sumit Agarwal, Pulak Ghosh, Jing Li and Tianyue Ruan
National University of Singapore, Indian Institute of Management (IIMB), Bangalore, Singapore Management University and National University of Singapore (NUS) - Department of Finance
Downloads 315 (135,903)
Citation 4

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digital payments, financial technology, consumption, India, Demonetization

7.

Saving Tax Incentives and Consumption: Evidence from a Policy Experiment

Number of pages: 56 Posted: 17 Aug 2017 Last Revised: 29 Jun 2022
National University of Singapore, Office of the Comptroller of the Currency (OCC), Indian Institute of Management (IIMB), Bangalore, National University of Singapore (NUS) - Department of Finance and University of Sydney
Downloads 306 (139,694)
Citation 1

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Tax Policy, Consumption, Saving, Debit Cards, Household Finance, Banks, Discretionary Spending, Fiscal Policy

8.

Terrorist Attacks and Household Consumption Smoothing through Credit Cards

Number of pages: 51 Posted: 09 Mar 2021 Last Revised: 21 Jul 2022
National University of Singapore, Indian Institute of Management (IIMB), Bangalore, Education University of Hong KongThe Education University of Hong Kong and Hong Kong Baptist University (HKBU)
Downloads 290 (147,755)

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Terrorist attacks, consumption smoothing, economic uncertainty, precautionary liquidity demand, credit cards, bank cards, household finance

9.

Privacy versus Convenience: Customer Response to Data Breaches of Their Information

Number of pages: 112 Posted: 30 Nov 2020 Last Revised: 29 Jun 2022
National University of Singapore, Indian Institute of Management (IIMB), Bangalore, National University of Singapore (NUS) - Department of Finance and School of Finance, Nankai University
Downloads 282 (151,983)

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data breach, convenience, privacy, digital economy

10.

Road to Stock Market Participation

Number of pages: 63 Posted: 02 Aug 2021
National University of Singapore, George Washington University - School of BusinessUniversity of Maryland - Robert H. Smith School of Business, George Washington University and Indian Institute of Management (IIMB), Bangalore
Downloads 226 (188,677)

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Trading behavior, Financial Inclusion, Information, Banks, Infrastructure

11.

Extreme Stress and Investor Behavior: Evidence from a Natural Experiment

Number of pages: 71 Posted: 03 Sep 2019
Vikas Agarwal, Pulak Ghosh and Haibei Zhao
Georgia State University, Indian Institute of Management (IIMB), Bangalore and Lehigh University - College of Business
Downloads 171 (242,350)

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individual investors, stress, cognitive ability, trading, violence

12.

Political Power-Sharing, Firm Entry, and Economic Growth: Evidence from Multiple Elected Representatives

Number of pages: 90 Posted: 23 Nov 2021 Last Revised: 01 Aug 2022
Hong Kong University of Science and Technology, Indian Institute of Management (IIMB), Bangalore, National University of Singapore and University of Chicago Booth School of Business
Downloads 168 (245,899)

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power-sharing, checks and balances, multiple politicians, firm entry, regulatory cost, cronyism, state efficiency

13.

Estimation of Residual Equity in Hierarchical Branding Structures: A Nonparametric Approach on Aggregate Beer Category Data

Indian School of Business WP ISB-WP/101/2010
Number of pages: 51 Posted: 01 Jul 2010
Sudhir Voleti, Paul E Nelson and Pulak Ghosh
Indian School of Business (ISB), Hyderabad, University of Rochester and Indian Institute of Management (IIMB), Bangalore
Downloads 168 (245,899)

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Brand Equity, Brand Valuation, Dirichlet process priors, Nonparametric Bayesian Statistics

14.

Foregone Consumption and Return-Chasing Investments

Number of pages: 52 Posted: 02 Aug 2019 Last Revised: 16 Mar 2020
Sumit Agarwal, Ben Charoenwong and Pulak Ghosh
National University of Singapore, National University of Singapore - Department of Finance and Indian Institute of Management (IIMB), Bangalore
Downloads 149 (271,495)
Citation 2

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Consumption, Loss Aversion, Return Chasing, Extrapolative Expectations, Household Portfolio Allocation

15.

Do Indian Business Group Owned Mutual Funds Maximize Value for Their Investors?

IIM Bangalore Research Paper No. 463
Number of pages: 39 Posted: 29 May 2014
Indian Institute of Management (IIMB), Bangalore, Northeastern University and Indian Institute of Management (IIMB), Bangalore
Downloads 149 (271,495)
Citation 3

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Indian Business Group, Mutual Funds, Investors

16.

Simultaneous Bayesian Estimation of Multiple Quantiles with an Extension to Hierarchical Models

IIM Bangalore Research Paper No. 359
Number of pages: 41 Posted: 27 Jul 2012
Karthik Sriram, R. Ramamoorthi and Pulak Ghosh
Indian Institute of Management (IIMB), Bangalore, Michigan State University and Indian Institute of Management (IIMB), Bangalore
Downloads 122 (316,355)
Citation 3

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Asymmetric Laplace distribution, Bayesian quantile regression, Crossing

17.

Ask Your Doctor Whether This Product Is Right for You: A Bayesian Joint Model for Patient Drug Requests and Physician Prescriptions

Journal of the Royal Statistical Society: Series A, Forthcoming, IIM Bangalore Research Paper No. 526
Number of pages: 46 Posted: 09 Nov 2016 Last Revised: 07 Apr 2020
Bhuvanesh Pareek, Qiang Liu and Pulak Ghosh
Indian Institute of Management (IIM), Indore, Purdue University - Krannert School of Management and Indian Institute of Management (IIMB), Bangalore
Downloads 114 (331,839)
Citation 2

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Zero-inflated, Bayesian joint model, Health care, DTCA, Advertising, Doctor patient interaction

18.

Consumption and Portfolio Rebalancing Response of Households to Monetary Policy

Number of pages: 62 Posted: 22 May 2020 Last Revised: 30 Mar 2022
National University of Singapore, Nanyang Technological University (NTU), Indian Institute of Management (IIMB), Bangalore and Singapore Management University
Downloads 103 (355,514)

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Monetary Policy, Consumption, Portfolio Rebalancing, Household Finance, Reach for Yield, Reach for Income

19.

Consumption Response to a Natural Disaster: Evidence of Price and Income Shocks from Chennai Flood

Number of pages: 66 Posted: 10 Mar 2021
Sumit Agarwal, Pulak Ghosh and Huanhuan Zheng
National University of Singapore, Indian Institute of Management (IIMB), Bangalore and National University of Singapore
Downloads 101 (360,129)

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natural disaster, income shocks, price shocks, online shopping, household finance

20.

Do Investors Hedge Climate Risk? Evidence from 19 Million Retail Stock Traders

Number of pages: 58 Posted: 30 Mar 2022
Pulak Ghosh and Jian Zhang
Indian Institute of Management (IIMB), Bangalore and The University of Hong Kong - Faculty of Business and Economics
Downloads 98 (367,271)

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Climate Change, Retail Trading, Household Finance, Big Data

21.

A Bayesian Semiparametric Quantile Regression Model for Longitudinal Data with Application to Insurance Company Costs

IIM Bangalore Research Paper No. 355
Number of pages: 38 Posted: 26 Jul 2012
Karthik Sriram, Peng Shi and Pulak Ghosh
Indian Institute of Management (IIMB), Bangalore, University of Wisconsin - Madison and Indian Institute of Management (IIMB), Bangalore
Downloads 91 (384,689)

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Bayesian quantile regression, Asymmetric Laplace distribution, Singleindex, Dirichlet process, Spline, Clustering, Longitudinal data

22.

Firm Integration and Supply Chains

Number of pages: 46 Posted: 10 Jan 2020
Shresth Garg, Pulak Ghosh and Brandon Tan
Harvard University, Department of Economics, Indian Institute of Management (IIMB), Bangalore and Harvard University, Department of Economics
Downloads 83 (406,611)

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India, e-way, GST, vertical integration, development, trade

23.

Estimating Healthcare Demand for an Aging Population: A Flexible and Robust Bayesian Joint Model

IIM Bangalore Research Paper No. 357
Number of pages: 33 Posted: 27 Jul 2012
Indian Institute of Management Bangalore, Indian Institute of Management (IIMB), Bangalore and affiliation not provided to SSRN
Downloads 82 (409,508)

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Bayesian Methods, Joint Model, Healthcare Demand, Aging, Splines

24.

Political Partisanship and the Transmission of Fiscal Policy

Number of pages: 50 Posted: 05 May 2021
Boston College, Indian Institute of Management (IIMB), Bangalore and Georgetown University
Downloads 67 (460,931)

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Heterogeneous Beliefs, Government Spending, Loans, Political Beliefs, Fiscal Policy, Government Programs, Small Businesses, Media Economics, Information Economics.

25.

Financial Hardship and Saving Behaviour: Bayesian Analysis of British Panel Data

IZA Discussion Paper No. 10910
Number of pages: 42 Posted: 31 Aug 2017
University of Sheffield - Department of Economics, Indian Institute of Management (IIMB), Bangalore, Indian Institute of Management (IIM), Indore and University of Sheffield - Department of Economics
Downloads 67 (457,513)
Citation 2

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Bayesian modelling, financial hardship, saving, zero inflation

26.

How Costly are Cultural Biases?

LawFin Working Paper No. 34
Number of pages: 63 Posted: 27 Jun 2022
Boston College, Indian Institute of Management (IIMB), Bangalore, affiliation not provided to SSRN and Georgetown University
Downloads 52 (515,694)

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Trust, Social Capital, Discrimination, Cultural Norms, Robo-Advising, Biased Beliefs, Inter-ethnic Conflict, Social Conditioning, Religion, Caste

27.

Does Death Teach Us Wisdom? Evidence from Trading during the COVID-19 Pandemic in India

Number of pages: 60 Posted: 04 Jan 2022
Indian Institute of Management (IIMB), Bangalore, Indian Institute of Foreign Trade, Tsinghua University - PBC School of Finance and The University of Hong Kong - Faculty of Business and Economics
Downloads 51 (520,161)

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Death, Disposition Effect, Narrow Framing, COVID-19, Pandemic

28.

Posterior Consistency of Bayesian Quantile Regression Under a Mis-Specified Likelihood Based on Asymmetric Laplace Density

IIM Bangalore Research Paper No. 340
Number of pages: 29 Posted: 06 Aug 2012
Karthik Sriram, R. Ramamoorthi and Pulak Ghosh
Indian Institute of Management (IIMB), Bangalore, Michigan State University and Indian Institute of Management (IIMB), Bangalore
Downloads 48 (533,532)
Citation 7

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consistency, asymmetric laplace density, Kullback-Leibler divergence, quantile regression, posterior distribution

29.

Inflation Expectations of Households and Portfolio Rebalancing: Evidence from Inflation Targeting in India

Number of pages: 56 Posted: 09 Apr 2022 Last Revised: 02 May 2022
National University of Singapore, Nanyang Technological University (NTU), Indian Institute of Management (IIMB), Bangalore and Singapore Management University
Downloads 33 (611,452)

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Expectations, Inflation Targeting, Household Finance, Household Balance Sheet, Consumption, Savings, Reach for Yield

30.

Assessing Treatments Effects in Multi-Center Clinical Trials with Application To Scleroderma Lung Study: A Semiparametric Bayesian Approach

IIM Bangalore Research Paper No. 291
Number of pages: 38 Posted: 06 Aug 2012
National University of Singapore (NUS), Indian Institute of Management (IIMB), Bangalore, University of California, Los Angeles (UCLA) and Government of the United States of America - Food and Drug Administration (FDA)
Downloads 25 (663,836)

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treatment effect, nested Dirichlet process, multi-center, Scleroderma lung study, 2

31.

Household Finances and Social Interaction: Bayesian Analysis of Household Panel Data

IZA Discussion Paper No. 8301
Number of pages: 40 Posted: 12 Jul 2014
Sarah Brown, Pulak Ghosh and Karl Taylor
University of Sheffield - Department of Economics, Indian Institute of Management (IIMB), Bangalore and University of Sheffield - Department of Economics
Downloads 20 (701,977)

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assets, debt, household finances, social interaction

32.

Collateral Shock and Access to Credit: Evidence from Loan Application Data

Posted: 04 Aug 2022
National University of Singapore, Indian Institute of Management (IIMB), Bangalore, Renmin University of China, Macau University of Science and Technology - School of Business and The University of Hong Kong - Faculty of Business and Economics

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Credit Supply, Collateral, Consumer Credit, Real Estate

33.

Household Finances and Social Interaction: Bayesian Analysis of Household Panel Data

Review of Income and Wealth, Vol. 62, Issue 3, pp. 467-488, 2016
Number of pages: 22 Posted: 16 Aug 2016
Sarah Brown, Pulak Ghosh and Karl Taylor
University of Sheffield, Indian Institute of Management (IIMB), Bangalore and University of Sheffield - Department of Economics
Downloads 0 (907,776)

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assets, debt, household finances, social interaction

34.

An Inter-Product Competition Model Incorporating Branding Hierarchy and Product Similarities Using Store Level Data

Indian School of Business
Posted: 19 Jan 2014 Last Revised: 28 Apr 2020
Indian School of Business (ISB), Hyderabad, Dartmouth College - Tuck School of Business and Indian Institute of Management (IIMB), Bangalore

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Competition Modeling, Bayesian Semiparametrics, Nested Dirichlet Process

35.

Economic Policy Uncertainty and Economic Growth in India

IIM Bangalore Research Paper No. 407
Posted: 09 Apr 2013 Last Revised: 02 Oct 2017
Sanjai Bhagat, Pulak Ghosh and Srinivasan Rangan
University of Colorado at Boulder - Department of Finance, Indian Institute of Management (IIMB), Bangalore and Indian Institute of Management (IIMB), Bangalore

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economic policy uncertainty, India economic growth