Dr. Sulagna Das
Dr. Sulagna Das is an Associate Professor at JIS University Kolkata with over 18 years of experience in Corporate and Academics. Her research areas cover Management and Social Science. She has papers on Banking, Microfinance, Digital Finance and Marketing, Blockchain and Finance, Cybersecurity aspects of the Finance Sector, Women Empowerment etc. She has done her MBA and PhD from KIIT School of Management, KIIT University, Bhubaneswar. Dr. Das has her articles published in National and International, peer reviewed / Scopus indexed journals and conferences organized by IIMs and IITs. She has achieved Best Paper Awards in conferences of National and International repute and received Innovation Award in 2020-21 & 2021-22 from her university, for her contribution towards research. Currently, she has five scholars under her guidance. She is a reviewer for Scopus indexed, ABDC-A ranked journals of Springer, Emerald and IGI Global. She is also an external thesis evaluator for Foreign and Central Universities of India.
Orcid Id: https://orcid.org/0000-0003-4683-453X
Google Scholar ID: https://scholar.google.com/citations?user=jGDkqUwAAAAJ&hl=en
Vidwan Id: https://vidwan.inflibnet.ac.in/profile/212188
ResearchGate: https://www.researchgate.net/profile/Sulagna-Das
Phone: 8240154442
Address: Flat no-105, Block A, Ramkrishna Apartment, 32, Dharamtala Road, Belur, Howrah-711202
Orcid Id: https://orcid.org/0000-0003-4683-453X
Google Scholar ID: https://scholar.google.com/citations?user=jGDkqUwAAAAJ&hl=en
Vidwan Id: https://vidwan.inflibnet.ac.in/profile/212188
ResearchGate: https://www.researchgate.net/profile/Sulagna-Das
Phone: 8240154442
Address: Flat no-105, Block A, Ramkrishna Apartment, 32, Dharamtala Road, Belur, Howrah-711202
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Papers by Dr. Sulagna Das
sectors, and tourism is no exception. "Exploring the Digital Frontier: How
Technology is Redefining Tourist Behavior and Preferences" investigates
the profound impact of digital tools and platforms on how tourists plan,
experience, and reflect on their journeys. This study explores key
technological innovations, such as mobile applications, online booking
systems, virtual reality, artificial intelligence, and social media, which are
reshaping the way tourists engage with destinations and services. By
analyzing shifts in consumer behavior, the paper identifies how tourists
are increasingly seeking personalized, immersive, and on-demand
experiences, driven by technological integration. It also examines the
growing role of digital influencers and user-generated content in shaping
travel decisions. Additionally, the paper discusses the implications of
these trends for the tourism industry, offering insights into how
businesses can leverage technology to enhance customer satisfaction,
improve operational efficiency, and cater to evolving preferences. As the
tourism sector continues to embrace digital transformation, this study
highlights both the challenges and opportunities presented by these
technological shifts, emphasizing the need for businesses to adapt and
innovate to stay competitive in a fast-changing landscape.
economic advancement of India. Financial institutions, both banking
and non-banking, across various sectors have grappled with this issue
with considerable difficulty. This pervasive concern within the
financial sector has persisted for an extended period. The condition of
NPAs within public sector banks has notably worsened in recent years,
as these banks extended credit to enterprises in anticipation of a
miraculous economic resurgence, which has ultimately resulted in
failure. This study seeks to investigate the escalating NPA ratios in the
priority sector, non-priority sector, and public sector, with specific
reference to Nationalized Banks, State Banks and Associates, and Public
Sector Banks. The potential factors identified in both prior and current
studies are linked to a multitude of influences. Some factors are viewed
from the borrowers' standpoint, whereas others are examined from the
bankers' perspective. Hypotheses were formulated in alignment with
the research objectives, and analysis was performed accordingly. The
nature of this research is both exploratory and descriptive. The
primary aim is to engage in a comparative analysis of the three sectors
and to scrutinize each issue in isolation, ultimately proposing viable
solutions and offering recommendations at the study's conclusion. The
research relies on secondary data sources, utilizing information
obtained from publications issued by the Reserve Bank of India for the
financial years spanning 2003-2021. The analytical component was
conducted using ANOVA, with the SPSS 20 software employed for the
analysis and interpretation of the study's findings.
empowers women with access to affordable, safe, and user-friendly
financial services. It addresses gender disparities by providing tools
like digital wallets and mobile banking for independent savings,
borrowing, and spending. This approach also aids in income
management, enabling women to better plan budgets and manage
household finances. It promotes financial autonomy by reducing
reliance on male middlemen and fostering community building
through financial apps and online platforms. It encourages gender
parity by demonstrating women can manage and increase wealth,
and financial empowerment promotes gender equity in decisionmaking
processes. Kenya’s mobile money platforms, like M-Pesa,
have significantly improved women’s access to finance. Digital
financial inclusion aids in achieving the Sustainable Development
Goals (SDGs), including poverty eradication, gender disparities
reduction, and economic growth through entrepreneurship
and participation in the formal economy. However, overcoming
obstacles like digital literacy, technology access, and safety
concerns is necessary to realize its full potential.
Preparedness which come from Financial Capacity and Financial Socialization. The present study, as such, explore the nexus between Financial Capability, Financial Socialization and Financial Preparedness. The data was collected from 368 respondents using purposive sampling and was empirically tested employing PLS-SEM. It was found that FC and FS both have a significant and positive impact on FP. Further, FS explains the mechanism of the relation between FC and FP.
The study suggests for undertaking proactive measures like organizing educational workshops, financial awareness messages through various media to enrich future financial foresight of young Indian professionals and to help them improve attainable financial goals.
market in India.
Methodology: This study will be developed based on case laws from India and outside India, and it will also analyze the secondary data available in the government portal. So, it will be doctrinal form of research.
Findings: Small market share enterprises in the telecommunications industry are confronted with a problem involving the threshold for penetrative pricing. Even, legislatures do not address a benchmark for penetrative pricing in terms of time period. The well-known Jio case is illustrative of how the market for telecommunications has been
impacted by the elimination of numerous small share-holding businesses.
Keywords: Penetrative Pricing, Telecommunication market, Competition, Predatory Pricing, Low Pricing Strategy.
make inefficient financial decisions. In the future, this kind of bad decision therefore leads to financial stress. The researchers have focused on this area and tried to show how mental accounting influences the economic well-being of young people. More or less, in the behavioral finance sector, everyone has considered mental accounting as a detrimental factor. However, the researchers have shown whether there is any connection between mental accounting and financial well-being and how mental accounting biases can be controlled or used positively. Moreover, the readers would be able to get a proper overview of mental accounting, its different examples, as well as financial well-being.
and e-commerce market globally. Cryptocurrencies like Ethereum, Ripple,
and Bitcoin are popular for their security and inflation resistance, but their environmental impact is becoming more evident. Blockchain technology can reduce fraud and promote sustainable cryptocurrencies, allowing central banks to legitimize public currencies and promote green businesses.
like financial awareness and education, allowing all segments of society to use these products effectively. Financial education for financial inclusion aims to target three groups of consumers:
those without formal financial goods, those using a limited range of products, and inexperienced, recently added consumers. These target categories are typically combined under the term & 'the
financially excluded' for readability. The present book chapter will focus on the digital aspect of Financial Literacy and Financial Inclusion. That is how Digital Financial Literacy and Education, enhances Digital Financial Inclusion. It will cover three aspects, a) Digital Financial literacy and
Digital Banking Access, b) Digital Financial literacy and Microfinance, c) Digital Financial literacy and Fintech Usage. Based on different available literatures, and OECD reports, this chapter will also discuss on the findings of the studies on different respondents’ area-wise /country wise, and other demographic segmentation wise. Next part of the chapter will discuss,
how Financial Inclusion will help in poverty alleviation. Despite efforts to alleviate poverty in recent decades, poverty and income inequality remain persistent challenges in different regions. Financial inclusion is crucial for equitable growth, as it aids economic agents in making long-term decisions, investing, and managing short-term shocks. Policymakers can improve access to financial services and reduce poverty and income inequality by considering the national relationship between financial inclusion, poverty, and income inequality. This part will also discuss on some findings of the available literatures on different regions across the world, and how financial inclusion helped in poverty Alleviation. Overall, the chapter will discuss on the role of financial literacy, in enhancing financial inclusion and the role of financial inclusion, on poverty reduction, on the basis of the finding from the existing literature, model and published
reports.
sectors, and tourism is no exception. "Exploring the Digital Frontier: How
Technology is Redefining Tourist Behavior and Preferences" investigates
the profound impact of digital tools and platforms on how tourists plan,
experience, and reflect on their journeys. This study explores key
technological innovations, such as mobile applications, online booking
systems, virtual reality, artificial intelligence, and social media, which are
reshaping the way tourists engage with destinations and services. By
analyzing shifts in consumer behavior, the paper identifies how tourists
are increasingly seeking personalized, immersive, and on-demand
experiences, driven by technological integration. It also examines the
growing role of digital influencers and user-generated content in shaping
travel decisions. Additionally, the paper discusses the implications of
these trends for the tourism industry, offering insights into how
businesses can leverage technology to enhance customer satisfaction,
improve operational efficiency, and cater to evolving preferences. As the
tourism sector continues to embrace digital transformation, this study
highlights both the challenges and opportunities presented by these
technological shifts, emphasizing the need for businesses to adapt and
innovate to stay competitive in a fast-changing landscape.
economic advancement of India. Financial institutions, both banking
and non-banking, across various sectors have grappled with this issue
with considerable difficulty. This pervasive concern within the
financial sector has persisted for an extended period. The condition of
NPAs within public sector banks has notably worsened in recent years,
as these banks extended credit to enterprises in anticipation of a
miraculous economic resurgence, which has ultimately resulted in
failure. This study seeks to investigate the escalating NPA ratios in the
priority sector, non-priority sector, and public sector, with specific
reference to Nationalized Banks, State Banks and Associates, and Public
Sector Banks. The potential factors identified in both prior and current
studies are linked to a multitude of influences. Some factors are viewed
from the borrowers' standpoint, whereas others are examined from the
bankers' perspective. Hypotheses were formulated in alignment with
the research objectives, and analysis was performed accordingly. The
nature of this research is both exploratory and descriptive. The
primary aim is to engage in a comparative analysis of the three sectors
and to scrutinize each issue in isolation, ultimately proposing viable
solutions and offering recommendations at the study's conclusion. The
research relies on secondary data sources, utilizing information
obtained from publications issued by the Reserve Bank of India for the
financial years spanning 2003-2021. The analytical component was
conducted using ANOVA, with the SPSS 20 software employed for the
analysis and interpretation of the study's findings.
empowers women with access to affordable, safe, and user-friendly
financial services. It addresses gender disparities by providing tools
like digital wallets and mobile banking for independent savings,
borrowing, and spending. This approach also aids in income
management, enabling women to better plan budgets and manage
household finances. It promotes financial autonomy by reducing
reliance on male middlemen and fostering community building
through financial apps and online platforms. It encourages gender
parity by demonstrating women can manage and increase wealth,
and financial empowerment promotes gender equity in decisionmaking
processes. Kenya’s mobile money platforms, like M-Pesa,
have significantly improved women’s access to finance. Digital
financial inclusion aids in achieving the Sustainable Development
Goals (SDGs), including poverty eradication, gender disparities
reduction, and economic growth through entrepreneurship
and participation in the formal economy. However, overcoming
obstacles like digital literacy, technology access, and safety
concerns is necessary to realize its full potential.
Preparedness which come from Financial Capacity and Financial Socialization. The present study, as such, explore the nexus between Financial Capability, Financial Socialization and Financial Preparedness. The data was collected from 368 respondents using purposive sampling and was empirically tested employing PLS-SEM. It was found that FC and FS both have a significant and positive impact on FP. Further, FS explains the mechanism of the relation between FC and FP.
The study suggests for undertaking proactive measures like organizing educational workshops, financial awareness messages through various media to enrich future financial foresight of young Indian professionals and to help them improve attainable financial goals.
market in India.
Methodology: This study will be developed based on case laws from India and outside India, and it will also analyze the secondary data available in the government portal. So, it will be doctrinal form of research.
Findings: Small market share enterprises in the telecommunications industry are confronted with a problem involving the threshold for penetrative pricing. Even, legislatures do not address a benchmark for penetrative pricing in terms of time period. The well-known Jio case is illustrative of how the market for telecommunications has been
impacted by the elimination of numerous small share-holding businesses.
Keywords: Penetrative Pricing, Telecommunication market, Competition, Predatory Pricing, Low Pricing Strategy.
make inefficient financial decisions. In the future, this kind of bad decision therefore leads to financial stress. The researchers have focused on this area and tried to show how mental accounting influences the economic well-being of young people. More or less, in the behavioral finance sector, everyone has considered mental accounting as a detrimental factor. However, the researchers have shown whether there is any connection between mental accounting and financial well-being and how mental accounting biases can be controlled or used positively. Moreover, the readers would be able to get a proper overview of mental accounting, its different examples, as well as financial well-being.
and e-commerce market globally. Cryptocurrencies like Ethereum, Ripple,
and Bitcoin are popular for their security and inflation resistance, but their environmental impact is becoming more evident. Blockchain technology can reduce fraud and promote sustainable cryptocurrencies, allowing central banks to legitimize public currencies and promote green businesses.
like financial awareness and education, allowing all segments of society to use these products effectively. Financial education for financial inclusion aims to target three groups of consumers:
those without formal financial goods, those using a limited range of products, and inexperienced, recently added consumers. These target categories are typically combined under the term & 'the
financially excluded' for readability. The present book chapter will focus on the digital aspect of Financial Literacy and Financial Inclusion. That is how Digital Financial Literacy and Education, enhances Digital Financial Inclusion. It will cover three aspects, a) Digital Financial literacy and
Digital Banking Access, b) Digital Financial literacy and Microfinance, c) Digital Financial literacy and Fintech Usage. Based on different available literatures, and OECD reports, this chapter will also discuss on the findings of the studies on different respondents’ area-wise /country wise, and other demographic segmentation wise. Next part of the chapter will discuss,
how Financial Inclusion will help in poverty alleviation. Despite efforts to alleviate poverty in recent decades, poverty and income inequality remain persistent challenges in different regions. Financial inclusion is crucial for equitable growth, as it aids economic agents in making long-term decisions, investing, and managing short-term shocks. Policymakers can improve access to financial services and reduce poverty and income inequality by considering the national relationship between financial inclusion, poverty, and income inequality. This part will also discuss on some findings of the available literatures on different regions across the world, and how financial inclusion helped in poverty Alleviation. Overall, the chapter will discuss on the role of financial literacy, in enhancing financial inclusion and the role of financial inclusion, on poverty reduction, on the basis of the finding from the existing literature, model and published
reports.