Pulak Ghosh

Indian Institute of Management (IIMB), Bangalore

Bannerghatta Road

Bangalore, Karnataka 560076

India

SCHOLARLY PAPERS

36

DOWNLOADS
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Top 4,813

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16,889

TOTAL CITATIONS
Rank 14,064

SSRN RANKINGS

Top 14,064

in Total Papers Citations

148

Scholarly Papers (36)

1.

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

Indian School of Business
Number of pages: 65 Posted: 14 Jan 2020 Last Revised: 07 Dec 2023
National University of Singapore, Indian School of Business (ISB), Hyderabad, Indian Institute of Management (IIMB), Bangalore and Johns Hopkins University
Downloads 3,166 (8,062)
Citation 13

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Fintech, Big data, Credit scores, Financial inclusion, Lending, Machine learning, Mobile footprint, Prediction Counterfactual, Social footprint, Social capital, Digital economy, Open banking, Data sharing

2.

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 1,913 (17,995)
Citation 38

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

3.

Banking the Unbanked: What do 280 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: 72 Posted: 30 Jan 2017 Last Revised: 22 Sep 2023
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 1,859 (18,812)
Citation 23

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

4.

Demonetization and Digitization

Number of pages: 57 Posted: 02 Jul 2018 Last Revised: 11 Nov 2022
National University of Singapore, Shiv Nadar University, 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 1,666 (22,271)
Citation 16

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Digitization, Payment Method, Demonetization

5.

How Costly are Cultural Biases? Evidence from FinTech

Number of pages: 69 Posted: 08 Jan 2021 Last Revised: 28 Feb 2023
Georgetown University, Indian Institute of Management (IIMB), Bangalore and Georgetown University
Downloads 1,243 (34,419)
Citation 7

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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: 69 Posted: 28 Jul 2020 Last Revised: 14 Dec 2022
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 869 (57,088)
Citation 4

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digital payments, financial technology, consumption, India, Demonetization

7.

Transient Customer Response to Data Breaches of Their Information

Number of pages: 91 Posted: 30 Nov 2020 Last Revised: 10 Nov 2023
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 689 (77,543)

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data breach, convenience, privacy, digital economy

Inflation Expectation and Cryptocurrency Investment

IIM Bangalore Research Paper No. 695
Number of pages: 55 Posted: 24 Aug 2023 Last Revised: 28 Nov 2024
Cornell University - Samuel Curtis Johnson Graduate School of Management, Indian Institute of Management (IIMB), Bangalore, George Mason University - Department of Finance and Cornell University, Ithaca, New York
Downloads 395 (151,675)

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Inflation Hedge, Expectations, Household Survey, Cryptocurrency, FinTech

9.

Do Saving Tax Incentives Work? Evidence from Home Equity Accumulation and Consumption Responses

Number of pages: 66 Posted: 17 Aug 2017 Last Revised: 11 Jan 2025
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC), Indian Institute of Management (IIMB), Bangalore, National University of Singapore (NUS) - Department of Finance, Singapore Management University and National University of Singapore, Institute of Real Estate and Urban Studies
Downloads 395 (153,138)
Citation 1

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voluntary savings, home equity, consumption, tax deduction, fiscal policy, general equilibrium, housing market, welfare

10.

Road to Stock Market Participation

Number of pages: 63 Posted: 02 Aug 2021
National University of Singapore, George Washington University - School of Business, University of Liverpool - Management School (ULMS) and Indian Institute of Management (IIMB), Bangalore
Downloads 382 (158,911)
Citation 2

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Trading behavior, Financial Inclusion, Information, Banks, Infrastructure

11.

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 Washington University in Saint Louis, John M. Olin Business School
Downloads 379 (160,323)
Citation 1

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

12.

Terrorist Attacks and Strategic Household Consumption

Number of pages: 54 Posted: 09 Mar 2021 Last Revised: 26 Feb 2024
Pulak Ghosh, Weiqiang Tan, Weiqiang Tan and Xin Zou
Indian Institute of Management (IIMB), Bangalore, Education University of Hong KongThe Education University of Hong Kong and Hong Kong Baptist University (HKBU)
Downloads 318 (193,978)

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

13.

How Costly are Cultural Biases? Evidence from FinTech

LawFin Working Paper No. 34
Number of pages: 70 Posted: 27 Jun 2022 Last Revised: 28 Feb 2023
Georgetown University, Indian Institute of Management (IIMB), Bangalore and Georgetown University
Downloads 298 (209,444)
Citation 16

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

14.

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 258 (240,937)

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

15.

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, INSEAD and Indian Institute of Management (IIMB), Bangalore
Downloads 244 (254,834)
Citation 1

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

16.

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

Number of pages: 42 Posted: 09 Apr 2022 Last Revised: 27 Sep 2023
National University of Singapore, Nanyang Technological University (NTU), Indian Institute of Management (IIMB), Bangalore and Singapore Management University
Downloads 236 (263,205)
Citation 1

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

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, Mitchell E. Daniels, Jr School of Business, Purdue University and Indian Institute of Management (IIMB), Bangalore
Downloads 211 (292,840)
Citation 2

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

18.

Safety Nets, Credit, and Investment: Evidence from a Guaranteed Income Program

Number of pages: 149 Posted: 21 Nov 2022 Last Revised: 02 Mar 2023
Pulak Ghosh and Nishant Vats
Indian Institute of Management (IIMB), Bangalore and Washington University in Saint Louis, John M. Olin Business School
Downloads 201 (306,413)

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guaranteed income, universal basic income, credit demand, production, capital

19.

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 200 (307,828)

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

20.

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, Georgia State University and Indian Institute of Management (IIMB), Bangalore
Downloads 197 (312,190)
Citation 4

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Indian Business Group, Mutual Funds, Investors

21.

Political Partisanship and the Transmission of Fiscal Policy

Number of pages: 50 Posted: 05 May 2021
Georgetown University, Indian Institute of Management (IIMB), Bangalore and Georgetown University
Downloads 192 (319,604)
Citation 2

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

22.

Bridging the Information Gap: Sowing the Seeds of Productivity with High-Speed 4G Internet

Olin Business School Center for Finance & Accounting Research Paper No. 2024/16
Number of pages: 93 Posted: 25 Apr 2024
National University of Singapore, University of North Carolina (UNC) at Chapel Hill - Kenan-Flagler Business School, Indian Institute of Management (IIMB), Bangalore and Washington University in Saint Louis, John M. Olin Business School
Downloads 190 (324,230)

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23.

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 188 (325,765)

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

24.

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 172 (352,770)

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

25.

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 171 (354,539)

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

26.

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 155 (385,489)
Citation 3

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Asymmetric Laplace distribution, Bayesian quantile regression, Crossing

Open Banking and Digital Payments: Implications for Credit Access

Number of pages: 67 Posted: 11 Dec 2024 Last Revised: 30 Dec 2024
Indian School of Business (ISB), Hyderabad, Indian Institute of Management (IIMB), Bangalore, CAFRAL and Duke University - Fuqua School of Business
Downloads 142 (421,882)

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Digital payments, UPI, FinTech, Open Banking

28.

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, Singapore Management University - Lee Kong Chian School of Business and The University of Hong Kong - Faculty of Business and Economics
Downloads 132 (438,446)
Citation 1

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

29.

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 112 (497,189)
Citation 1

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

30.

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 101 (535,539)
Citation 5

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Bayesian modelling, financial hardship, saving, zero inflation

31.

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 77 (631,944)
Citation 7

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

32.

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 53 (759,732)

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

33.

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 48 (792,834)

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assets, debt, household finances, social interaction

34.

Bridging the Educational Divide: The Effects of Mobile Network Connectivity on Student Enrollment and Academic Performance

Number of pages: 40 Posted: 09 Oct 2024
Sumit Agarwal, Liu Ee Chia and Pulak Ghosh
National University of Singapore, Pennsylvania State University - Smeal College of Business and Indian Institute of Management (IIMB), Bangalore
Downloads 37 (877,313)

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Telecommunications, Information and Communication Technology (ICT), Mobile Network, Education, Enrollment

35.

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

36.

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