Dr. Abhijith P S is an academic, researcher, and public policy consultant with over seven years of experience in higher education, academic research, applied public policy, and project management. He holds a Ph.D. in Commerce (Finance) with research interests in personal finance, household financial decision-making, financial well-being, financial inclusion, and technology adoption in personal and household finance. His strengths include psychometric scale development, large-scale field surveys, advanced empirical analysis, and policy translation of empirical research. Drawing on multidisciplinary interests and experience-informed knowledge, Dr. Abhijith brings analytical sharpness and intellectual range into the classroom, using case analysis, storytelling, role plays, and other innovative learner-centered tools to make learning engaging and memorable.

• Educational Qualifications
  

  Ph.D.

  Ph.D. in Commerce from Mahatma Gandhi University, Kottayam, Kerala

  Postgraduate Diploma

  Postgraduate Diploma in Sustainable Rural Development from National Institute of Rural Development and Panchayati Raj, Hyderabad

  Postgraduate Certificate

  Postgraduate Certificate in Public Policy and Management from Indian Institute of Management, Kozhikode

  M.Com.

  M.Com. (Finance) from St. Berchmans College (Autonomous) Changanassery, Kerala (Affiliated to Mahatma Gandhi University, Kottayam, Kerala)

  B.Com.

  B.Com. (Taxation) from St. Thomas College, Palai, Kerala (Affiliated to Mahatma Gandhi University, Kottayam, Kerala)

• Area of Interest and Research
  
  • Personal Finance
  • Household Finance
  • Financial Decision-Making
  • Behavioural Finance
  • Financial Well-being
  • Financial Self-Efficacy
  • Financial Discipline
  • Financial Inclusion
  • Fintech Adoption
• Teaching Courses
  

  Finance and Accounting

• Experience
  

  Jan 2025-Oct 2025

  Assistant Professor, Department of Commerce, CHRIST (Deemed to be University), Bangalore, Karnataka

  Aug 2024-Dec 2024

  Visiting Assistant Professor, Department of Management Studies, National Institute of Technology, Warangal, Telangana

  Jan 2024-Jul 2024

  Part-time Research Consultant, Nayaneethi Policy Collective Consultancy LLP, Wayanad, Kerala

  Oct 2021-Oct 2023

  Mahatma Gandhi National Fellow, District Planning Office, Civil Station, Malappuram, Kerala

• Recognition and Awards
  
  • Mahatma Gandhi National Fellowship, Ministry of Skill Development and Entrepreneurship, Govt. of India
  • Best Outgoing Student, St. Berchmans College (Autonomous), Changanassery, Kerala
  • UGC-Junior Research Fellowship (UGC-JRF) in Commerce
  • CBSE Merit Certificate for Outstanding Academic Performance in Business Studies
• Research Funding and Consulting
  
  • UGC-Junior Research Fellowship (UGC-JRF) for Ph.D.
  • UGC-Senior Research Fellowship (UGC-SRF) for Ph.D.
  • Public Policy Consulting with Ministry of Skill Development and Entrepreneurship, Govt. of India
• Research Papers
  
  • Abhijith P. S., Antony Joseph K., & Mini Joseph (2026). ‘When Children Teach Fintech: Reverse Fintech Socialisation and Digital Immigrant Mothers’ Fintech Self-efficacy’ [Journal article]. International Review of Economics [ISSN: 1863-4613]. Vol. & Issue: 73(24) [SCOPUS Indexed – Q2; ABDC Listed – C].
  • Abhijith P. S. & Antony Joseph K. (2024). ‘Development and Validation of a Financial Behaviour Scale for Low-Income Earning Groups’ [Journal article]. Journal of Poverty [ISSN: 1087-5549]. Vol. & Issue: 30(3) [SCOPUS Indexed – Q2].
  • Abhijith P. S. & Antony Joseph K. (2022). ‘Reverse Fintech Socialisation: A Remedy for Financial Exclusion in the Digital Era’ [Journal article]. International Journal of E-Business Research [ISSN: 1548-1131]. Vol. & Issue: 18(1) [SCOPUS Indexed – Q2].
  • Abhijith P. S. & Antony Joseph K. (2021). ‘Development of a Financial Self-Efficacy Scale for Economically Marginalised Women’ [Journal article]. Humanities and Social Science Studies [ISSN: 2319829X]. Vol. & Issue: 10(2) [UGC-CARE Listed].
  • Abhijith P. S. & Antony Joseph K. (2021). ‘Impact of Multiple Income Sources on Financial Self-Efficacy: A Study on Women MGNREGA Workers in Kerala’ [Book chapter]. Contemporary Research in Finance [ISBN: 978-93-91355-06-7]. Edited by Biju A. V., Aparna A. S., Akhil M. P., & G. Raju. Excel India Publishers.
• Research in Progress
  
  • Reconceptualising Financial Self-Efficacy: Development and Validation of an Advanced Scale.
  • Resilience Among Adversity: Examining the Post-pandemic Financial Discipline of Manual Labourers.
  • Analysing Theories of Migration Through the Lens of Kerala’s Replacement Migration Paradigm.
• Conference Presentations
  
  • Presented a Paper titled ‘Impact of Multiple Income Sources on Financial Self-Efficacy: A Study on Women MGNREGA Workers in Kerala’ at the ‘International Conference on Contemporary Research in Finance’, organised by the Department of Commerce, University of Kerala, Thiruvananthapuram, Kerala, IND (Mar 2021).
  • Presented a Paper titled ‘Are Manual Labourers Financially Disciplined? Results of a Survey Conducted During the Pandemic’ at the ‘International Conference on Emerging Trends in Accounting and Finance’, organised by the Department of Commerce, Tezpur University, Tezpur, Assam, IND (Nov 2021).
  • Presented a Paper titled ‘Reverse Fintech Socialisation and its Impact on Confidence of Less Educated Mothers to Deal in the Digitised Financial Market’ at the ‘2nd Pan NIT HSS International Conference on Resilience and Transformation for Global Restructuring’, organised by the Department of Humanities and Social Sciences, Malaviya National Institute of Technology, Jaipur, Rajasthan, IND (Jan 2022).
  • Presented a Paper titled ‘Reverse Fintech Socialisation: Implications for Digital Immigrant Mothers’ Confidence in the Digitised Financial Market’ at the ‘International Conference on Global Business Resilience’, organised by the Department of Commerce, CHRIST (Deemed to be University), Bangalore, IND (Jul 2025).