Brief Profile

Dr. Poonam is an accomplished academic and researcher specializing in Financial Technology (FinTech), with a particular emphasis on emerging trends like Central Bank Digital Currencies (CBDCs) and Bank 4.0 technologies. She holds a Ph.D. in Management from NITK Surathkal, an M.Com from Central University, Pondicherry. Dr. Poonam has served as an Assistant Professor at Madanapalle Institute of Technology & Science and as a Teaching Assistant at NITK, teaching courses in Finance domain. Her research, published in journals like Finance Research Letters (ABDC-A) and International Journal of Quality and Reliability Management (ABDC-B), explores digital transformation in banking and fintech innovations. She is also a UGC NET qualified and proficient in statistical and qualitative data analysis software. She teaches courses like Management of Banking and Financial Services, Financial Technology Innovations, Financial Products and Services and Indian Financial Systems.

• Educational Qualifications
  

  PhD

  • Ph.D. from National Institute Of Technology Karnataka Surathkal (NITK)

  Masters

  • M.Com (Business and Finance) from Department of Commerce, Central University, Pondichery

  Bachelors

  • B.Com from Ravenshaw University
• Area of Interest and Research
  
  • Digital Transformation in banks
  • Financial Technology (Fintech)
  • Banking 4.0 and 5.0
  • Digital Tokens and Blockchain tokens
  • Cryptocurrencies
  • Blockchain in Banking
• Teaching Courses
  
  • Management of Banking and Financial Services
  • Indian Financial Systems
  • Financial Management
  • Investment Analysis and Portfolio Management
  • Financial Technology Innovations
  • Financial Products and Services
• Experience
  
  • Madanapalle Institute Of Technology & Science (Assistant Professor)
  • National Institute Of Technology Karnataka, Surathkal (Teaching Assistant)
• Recognition and Awards
  
  • Silver award for the paper titled “Branding the skills to work with Industry 4.0 era: A systematic literature review using Prisma protocol” conducted by Taylor’s University and the University of Kelaniya in Business, Law, and Management and International Conference on Advanced Marketing (BLM2-ICAM4).
  • Bronze award for the paper titled “Planning for the worst-case scenario with Industry 4.0 Technologies: A Managerial Perspective” conducted by Taylor’s University and the University of Kelaniya in Business, Law, and Management and International Conference on Advanced Marketing.
• Research Papers
  
  • Central bank digital currency adoption challenges case of an emerging nation. Alora, A., Sahoo, P. & Sasidharan, A. (2024) Finance Research Letters, DOI; 0.1016/j.frl.2023.10475659, 104756 (ABDC-A, Scopus-Q1).
  • Prioritization of critical factors towards Industry 4.0 adoption in service industries: an emerging economy perspective. Sahoo, P., Saraf, P. K., & Uchil, R. (2024), International Journal of Quality and Reliability Management, DOI: 10.1108/IJQRM-06-2023-0184 (ABDC-B, Scopus- Q2).
  • Identification of challenges to Industry 5.0 adoption in Indian manufacturing firms: an emerging economy perspective . Sahoo, P., Saraf, P. K., & Uchil, R. (2024), International Journal of Computer Integrated Manufacturing (ABDC-B, Scopus-Q1).
  • Identification of critical success factors for leveraging Industry 4.0 technology and research agenda”, A systematic literature review using PRISMA protocol. Sahoo, P., Saraf, P. K., & Uchil, R. (2022), Asia-Pacific Journal of Business Administration, DOI: 10.1108/APJBA- 032022-0105 (ABDC-C, Scopus-Q1).
  • Moving towards Bank 4.0 in India: A qualitative thematic analysis and future research agenda (Journal of Science and Technology Policy Management). DOI: 10.1108/JSTPM-08-2023-0128 (ABDC-C, Scopus – Q2).
  • Privacy and Security Concerns During the COVID-19 Pandemic: A Mixed-Method Study. Sahoo, P., Saraf, P. K., & Uchil, R. (2022), Handbook of Research on Technical, Privacy, and Security Challenges in a Modern World (pp. 205 222). IGI Global.
• Research in Progress
  
  • A Qualitative Thematic Analysis of the Transition to Banking 5.0 in India and a Roadmap for Future Research
  • Socio technical system approach for future Neo-Banking: A systematic literature review using PRISMA protocol
• Editorial Positions and Reviews
  
  Paper Reviewed for

  • Benchmarking: An international Journal
  • Business Process Management Journal
  • Asia-Pacific Journal of Business Administration
  • International Journal of Emerging Markets
• Conference Presentations
  
  • Planning for the worst-case scenario with Industry 4.0 Technologies: A Managerial perspective”. Sahoo, P., Saraf, P. K., & Uchil, R. (2021), conducted by Taylor’s University, Malaysia, and the University of Kelaniya, Srilanka.
  • “Organizational change management practices for sustainable development post-COVID pandemic: A thematic analysis.” Sahoo, P., Saraf, P. K., & Uchil, R. (2021), conducted by VINC and the University of Nebraska, Omaha, U.S.A.
  • “Strategic Management Challenges and Industry 4.0: A Systematic Literature Review Using Prisma Protocol ISDSI-Global Conference 2021: Leading business in a fluid world”. Sahoo, P., Saraf, P. K., & Uchil, R (2021), Indian Institute of Management Nagpur (IIM-Nagpur).
  • “Innovation factors and Industry 4.0 implementation: A Systematic literature review using PRISMA Protocol”, conducted by the Indian Institute of Management Shillong (IIM-Shillong) and ICSSR. Sahoo, P., Saraf, P. K., & Uchil, R. (2021).
  • “Industry 4.0 technology implementation in MSMEs” -A systematic literature review using PRISMA Protocol, conducted by Indian Institute of Management Amritsar (IIM-Amritsar). Sahoo, P., Saraf, P. K., & Uchil, R. (2022).
  • “Branding the skills to work with Industry 4.0 era” -A systematic literature review using Prisma protocol, conducted by Taylor’s University and the University of Kelaniya. Sahoo, P., Pinto, S., Saraf, P. K., & Uchil, R. (2021).
  • “Prioritizing critical factors for the banking 4.0”, using AHP and ANP with sensitivity analysis. The 3rd Business, Law, and Management (BLM3) International Conference, held on 12th November 2023, was Conducted virtually by the Centre for Industrial Revolution and Innovation at Taylor’s University, Malaysia. Sahoo, P., Saraf, P. K., & Uchil, R. (2022).
  • “Industry 4.0 challenges assessment through DEMATEL approach and mitigation strategies through GRID framework”, IIM Sambalpur. Sahoo, P., Saraf, P. K., & Uchil, R. (2024).
  • Strategies and Organizational Resilience: Concerning the COVID-19 Pandemic Global Conference on Innovations in Management and Business”, Lobo, Runa and Sahoo, P. (2021). Held from July 27th- 28th, 2021, by Chapman University, Howard University, and National university of technology Warangal.