Prof. Rameshkumar

Contact Info
Prof. Rameshkumar
9994674730
Prof. Rameshkumar

Professor, Department of Financial Administration, School of Management 

Qualification

M Com (BF) M Phil Ph D

Experience
Teaching Experience
  1. Working as Professor in the Department of Financial Administration, School of Management, Central University of Punjab, since 10th January 2024.
  2. Worked as Associate Professor in the Department of Commerce, School of Management Sciences, Tezpur University (A Central University), Assam from 16-12-2019 to 17-9-2020.
  3. Assistant Professor in the Department of Commerce, School of Commerce and Business Management, Central University of Tamil Nadu (CUTN) from 27-9-2017 to 09-012024.  Assistant Professor (on Lien) since 9th January 2024.
  4. Worked as Assistant Professor (Regular Post) in the Department of Commerce, Thiagarajar College (Government Aided College), Madurai from 04-9-2008 to 26-9-2017. 
Research Experience
  1. Worked as Research Fellow in the UGC sponsored research project under the guidance and supervision of Dr.V.Alagappan, formerly Senior Professor and Head, Department of Commerce, School of Business Studies, Madurai Kamaraj University from 30-3-2007 to 03-9-2008.
  2. Worked as Field Investigator in the research programme on Tamilnadu Assembly Election Study 2006 undertaken by the Centre for the Study of Developing Societies, New Delhi.
Administrative Experience
  1. Served as Treasurer, Central University of Tamilnadu Alumni Association (CUTNAA), CUTN.
  2. Served as Member, Executive Committee, Central University of Tamilnadu Alumni Association (CUTNAA), CUTN.
  3. Served as Programme Coordinator, Dr.Ambedkar Centre of Excellence (DACE), CUTN.
  4. Served as Assistant Registrar (Finance) In-Charge at CUTN from June 2018 to December 2019.
  5. Served as Member, Committee for Dr.Ambedkar Centre of Excellence (DACE), CUTN.
  6. Served as Coordinator, Certificate Course in Financial Literacy, Community College, CUTN.
  7. Served as Coordinator, Finance Club, Department of Commerce, CUTN.
  8. Served as Department Level Coordinator, Remedial Coaching, CUTN.
  9. Served as Department Level Coordinator, UGC NET Coaching, CUTN.
  10. Served as Member, Admission Committee, M.Com Programme, CUTN.
  11. Served as Member, Research Advisory Committee, Department of Commerce, CUTN.
  12. Served as Member, School Board, School of Commerce and Business Management, CUTN.
  13. Served as Convener of the TA/DA Committee for the 4thand5thConvocations of CUTN.
  14. Served as Finance Nominee for Bids Opening Meeting for different purposes at CUTN.
  15. Served as Coordinator (Internal Examination) for the academic year 2017-18, Department of Commerce, CUTN.
  16. Served as Member of the following Committees at CUTN:
    1. Investment Committee
    2. Local Purchase Committees
    3. Audit Committee
  17. Served as Member of the Admission Committee for M.Com Programme, Tezpur University (A Central University), Assam for the Academic Year 2020-21.
  18. Served as the Assistant Coordinator of Entrepreneurship Development Cell, Thiagarajar       College, Madurai from September 2015 to September 2017.
  19. Served as the Convener of the Commerce Club, Department of Commerce, Thiagarajar College, Madurai from 2014 to 2017.
  20. Served as Member of the following Committees at Thiagarajar College, Madurai:
    • Attendance Committee
    • Flying Squad–April 2017 Summative Examinations
    • College Library Committee
    • Human Resource Development Cell (HRDC Cell)
    • NAAC Committee
    • IQAC Committee
    • Audit Committee
    • Campus Discipline Committee
    • Admission Committee
    • NAAC Steering Committee

Any Other Experience

 

Research Area

Banking  and Finance 

Research Interests

Financial Literacy, Financial Behaviour, Financial Well-being, Digital Financial Services, Digital Payments, Bank Profitability, and FDI

Research Grants/Projects

1.  Undertaken Research Project on the topic Financial Literacy among the Beneficiaries of Pradhan Mantri Jan Dan Yojana – The Case of Rural and Urban Areas in Madurai District in Tamil Nadu funded by the Indian Council of Social Science Research in 2021.  (Rs.300000/- plus Overhead Charges @ 5 Per Cent).

Professional Affiliation
  1. Life member of the Indian Commerce Association (ICA)
  2. Life member of the Indian Accounting Association Research Foundation (IAARA)
  3. Life Member of the Indian Accounting Association (IAA)
  4. Member of the Indian Finance Association (IFA)
Publications
Papers
  1. Rameshkumar, S., & Arjun, T.P.  (2024). Do Explicit and Implicit Parental Financial Socialization Influence Students’ Financial Literacy? Evidence from India, Indian Journal of Finance, DOI: 10.17010/ijf/2024/v18i10/174612 (Scopus Indexed, and C in ABDC Journal List).  Accepted for publishing. 
  2. Ashique Ali, K.A., & Rameshkumar, S. (2024).  Determinants of Continuance Intention to Use Mobile Payments: A Meta-Analysis, Indian Journal of Marketing, (https://doi.org/10.17010/ijom/2024/v54/i6/173945), (Scopus Indexed, and C in ABDC Journal List).
  3. Arjun, T.P., & Rameshkumar, S. (2024).  Defining and Measuring Financial Literacy in the Indian Context: A Systematic Literature Review, Managerial Finance, (Scopus and Web of Science Indexed, and B in ABDC Journal List).
  4. Ashique Ali, K.A., & Rameshkumar, S. (2023).  Continuance Intention to Use Smartphone-based Payment Services: The Role of Pre-Adoption Expectancies, Usage Experience, and Conventional Inhibitions, Journal of Financial Services Marketing, first published online on August 03, 2023, (https://doi.org/10.1057/s41264-023-00240-w), (Scopus and Web of Science Indexed, and B in ABDC Journal List).
  5. Ashique Ali, K.A., & Rameshkumar, S. (2022).  Current Status of Research on Mobile Banking: An analysis of Literature, Vision: The Journal of Business Perspective, first published online on January 28, 2022, (https://doi.org/10.1177/09722629211073268), (Scopus and Web of Science Indexed, and C in ABDC Journal List).
 
Articles
 
Books
Vinodan, A., Mahalakshmi, S. and Rameshkumar, S. (Ed.) Informal Economy and Sustainable Development Goals: Ideas, Interventions and Challenges, Emerald Publishing Limited, Leeds, pp. 399-414. https://doi.org/10.1108/978-1-83753-980-220241021
Book Chapters
  1. Ali K. A., A., Subramanian, R. (2024). Young Users’ Continuance Intention to Use Smartphone-Based Payment Services: Analysing the Mediating Effect of Satisfaction. In: Singh, S., Jain, S. (eds) Financial Markets and Corporate Finance. ICFMCF 2023. Springer Proceedings in Business and Economics. Springer, Singapore. https://doi.org/10.1007/978-981-97-6242-2_17 (Scopus Indexed).
  2. Subramanian, R., Arjun, T.P. and Ashique Ali, K.A. (2024), "How Do the Socio-economic Characteristics of Migrant Workers Shape Their Financial Behaviour?", Vinodan, A., Mahalakshmi, S. and Rameshkumar, S. (Ed.) Informal Economy and Sustainable Development Goals: Ideas, Interventions and Challenges, Emerald Publishing Limited, Leeds, pp. 53-66. https://doi.org/10.1108/978-1-83753-980-220241003
  3. Subramanian, R., & Ali K.A, A. (2023). Financial Literacy of the Beneficiaries of PMJDY – The Case of Rural and Urban Areas in Madurai District of Tamilnadu. In J.Choudhury, N. Sahoo, & R.Ao (Eds.), Rural Development in Asia-Pacific Region: Vol.I (pp.87-106). D.P.S Publishing House.
  4. Subramanian, R., & Ali K.A, A. (2023). Determinants of Financial Literacy: An Empirical Investigation among the Beneficiaries of PMJDY. In Shunmugasundaram, V; Mohta, Anu; Sinha, Aashma & Maurya, Ritika (Eds.), Investment Behaviour and Banking Scenario in India, Vol.I, (pp.1-22).Evincepub Publishing.
  5. Subramanian, R., & Arjun, T P. (2023). Consumer Cash-flow Management and Budgeting Behavior. In, Xiao, Jing J., & Satish Kumar, (Eds.), A Research Agenda for Consumer Financial Behavior, Vol.I, (pp.59-72). Edward Elgar Publishing.  (Scopus Indexed).
  6. Subramanian, R., & Ali K.A, A. (2023).  Determinants of Continuance Intention to Use MBPS:  A Meta-analysis.  In Souvik Banerjee, Bikramjit Pal, Debaditya Mohanti, Debasis Chanda, & Yogita Abichandani (Eds.), Emerging Business Models – A Twenty-First Century Perspective, (pp.14-33). Bloomsbury Publishing India Pvt. Ltd.
 
Tools/Tests

 

Conference/ Workshops/Seminars Attended
University Level
National
  1. Presented a paper titled Opportunities for Indian Banks due to the Implementation of International Financial Reporting Standards (IFRS) at the National Conference held at Madras Christian College, Chennai during September 14-15, 2016.
  2. Presented a paper titled Recent Trends in Research in Commerce in the UGC sponsored National Seminar held at the PG and Research Department of Commerce, Thiru Kolanjiappar Government Arts College, Vriddhachalam during March 13, 2015.
  3. Presented a paper titled Problems and Challenges of the Entrepreneurs at the UGC sponsored National Level Conference held at the P.G. Department of Economics and Research Centre, Sethupathi Government Arts College, Ramanathapuram during February26-27,2015.
  4. Presented a paper titled Financial Inclusion in India in the ICSSR sponsored National Seminar held at the PG and Research Department of Commerce, Government Arts College, Paramakudi during February 7, 2015.
  5. Presented a paper titled Dimensions of CSR under the Companies Act 2013 at the National Conference held at Fatima College and Vergal (ROOTS), The Educational Trust, Madurai during November 22, 2014.
  6. Presented a paper titled Challenges Faced by Tamilnadu Tourism Industry at the UGC Sponsored National Seminar held at the PG and Research Department of Commerce, Mannar Thirumalai Naicker College, Madurai during August 12, 2013.
  7. Presented a paper titled A Study on Trends and Patterns of FDI Inflows in India in the ICSSR Sponsored National Seminar held at the Department of Economics, Gandhigram Rural University, Gandhigram during April 25-26, 2013.
  8. Presented a paper titled Financial Engineering towards Inclusive Growth in the UGC Sponsored National Seminar, held at the Research Department of Economics, Thiagarajar College, Madurai and Association of Economists of Tamilnadu during March 07-08, 2013.
  9. Presented a paper titled Genticide – A Burning Issue: Missing Girl Babies Right from the Womb of Mother till the End of their Life in the National Level Seminar, organized by the Women’s Studies Centre, Thiagarajar College, Madurai, March 14-15, 2013.
  10. Presented a paper titled FDI-An Instrument of Economic Growth and Development in Tourism Industry in the NationalSeminar held at Vidyasagar College of Arts and Science, Udumalpet on March 9, 2013.
  11. Presented a paper titled MGNREGA – A Major Tool for Inclusive Growth in India in the UGC Sponsored National Conference held at the P.G. Department of Economics and Research Centre, Sethupathi Government Arts College, Ramanathapuram during December 14-15, 2012.
  12. Presented a paper titled FDI – A Global Level Analysis with Reference to India in the UGC Sponsored National Seminar held at the Department of Commerce, Thiagarajar College, Madurai during March 15-16, 2012.
  13. Presented a paper titled Rural Development in India in the UGC–UPE National Seminar, School of Economics, Madurai Kamaraj University, Madurai during October 28-29, 2010.
  14. Presented a paper titled Agency and Model-wise Analysis of SHG-Bank Linkage Programme in India in the National Seminar held at the P.G and Research Department of Commerce,  AVVM Sri Pushpam College, Poondi, March17, 2006.
  15. Presented a paper titled FDI and Its Role in India’s Capital Formation in the National Level Seminar held at the Department of Commerce, Sri Kaliswari College, Sivakasi on February 3, 2006.
  16. Presented a paper titled Regulatory Design for NBFCs in India in the UGC Sponsored National Seminar held at the Department of Commerce, AVVM Sri Pushpam College, Poondi during February 18-19, 2005.
  17. Presented a paper titled Emerging Opportunities for Global Trade for India in the Post-Globalisation Era in the National Conference held at V.L.B Janakiammal College of Arts and Science, Coimbatore on February 11, 2005.
  18. Presented a paper titled Financial and Social Constraints of Rural Women Entrepreneurs in the ICSSR Sponsored National Seminar held at Cardamom Planters’ Association College, Bodinayakanur, February 28 and March1, 2003.

International

  1. Presented a research paper titled Impact of Financial Personality on Investment Decisions: The Mediating Role of Behavioural Biases at the Research Symposium on Finance and Economics 2024 held at IFMR Graduate School of Business, KREA University, Andhra Pradesh, during June 12-14, 2024.
  2. Presented a research paper titled Role of Financial Personality on the Relationship between Behavioural Biases and Investment Decisions of the Individual Stock Market Investors at the 5th SEBI-NISM Research Conference held at NISM & NSE, Mumbai during March 13-14, 2024.
  3. Presented a research paper titled Youngsters’ Continuance Intention to Use Smartphone based Payment Services: Modifying ECM with Habit and Pre-Adoption Expectancies at the Second International Conference on Artificial Intelligence towards Fostering Sustainable Development in Business held at Centre for Management Studies, JAIN (Deemed to be University) Bangalore during December 8-9, 2023.
  4. Presented a research paper titled Challenges in Using Smartphone-based Payment Services: An Exploratory Study at the International Conference on Management Research (ICMR) held at IIT Madras during November 16-18, 2023.
  5. Presented a research paper titled Determinants of Investment Characteristics at the International Finance and Accounting Conference (IFAC-2023), held at IIM Jammu during September 8-9, 2023.
  6. Presented a research paper titled Does Participation in Self Help Group-based Micro-Financial Activities Improve Financial Literacy? at the International Finance and Accounting Conference (IFAC-2023) held at IIM Jammu during September 8-9, 2023.
  7. Presented a research paper titled Determinants of Continuance to Use Mobile Payment: A Meta-Analysis at the International Finance and Accounting Conference (IFAC-2023) held at IIM Jammu during September 8-9, 2023.
  8. Presented a research paper titled Young Users’ Continuance Intention to Use Smartphone-based Payment Services: Analysing the Mediating Effect of Satisfaction at the 5th International Conference on Financial Markets and Corporate Finance (ICFMCF) held at the Department of Management Studies, IIT Delhi during July 6-8, 2023.
  9. Presented a research paper titled Continuance Intention to Use Smartphone-based Payment Services: The Role of Pre-Adoption Expectancies, Usage Experience, and Conventional Inhibitions at the 2nd International Conference on Banking, Finance and Business –ICBFB2023 held at the College of Banking and Financial Studies, Muscat, Sultanate of Oman during March 15-16, 2023.
  10. Presented a research paper titled Determinants of Women’s Financial Literacy at the 11thIndia Finance Conference 2022 held at Indian Institute of Management, Calcutta during December 19-21, 2022.
  11. Presented a research paper titled Determinants of Continuance Intention to Use MBPS: A Meta-Analysis at the International Conference on Business, IT and Enterprise Architecture (ICBIT) held at Management Development Institute, Murshidabad during December 16-17, 2022.
  12. Presented a research paper titled Parental Influence on Students’ Financial Literacy at the International Conference on Contemporary Issues in Emerging Markets (CIEMC 2022) organized by IIM Bodh Gaya in collaboration with Waikato Management School, The University of Waikato, New Zealand during October 28-29, 2022.
  13. Presented a research paper titled Studies on Mobile Banking: A Systematic Analysis of Literature at the International Conference on Commerce, Management & Interdisciplinary Subjects (ICCMIS) organized by the Central University of Kerala in Association with IQAC, IEDC & CUKAA during October 28-29, 2021.
  14. Presented a research paper titled Financial Literacy of the Beneficiaries of PMJDY – The Case of Rural and Urban Areas in Madurai District of Tamilnadu at the International Seminar on Rural Development in Asia-Pacific Region, organized by NIRDPR (NERC), Guwahati in Collaboration with BARD, Bangladesh during August 24-28, 2020.
  15. Presented a research paper titled Impact of PMJDY on Financial Behaviour of Its Beneficiaries: An Empirical Study in Madurai District of Tamilnadu at the XVII International Conference on Public Policy and Management held at the Centre for Public policy, IIM Banglore during August 23-25, 2021.
  16. Presented a research paper tilted Being Cashless: A Boom or Curse to the Environment at the International Conference on Sustainable Development and Education held at Central University of Kerala during March 5-6, 2020.
  17. Presented a research paper titled Farmers’ Attitude towards KCC Scheme – The Case of Sivagangai Taluk in Tamilnadu at the Thirteenth International Accounting Conference organized by the Indian Accounting Association and Research Foundation jointly with Deloitte, Kolkata during January 07-08, 2017.
  18. Presented a research paper titled Smart Banking–A New Paradigm Due to Demonetization at the International Conference on Financial Sector Reforms – New Vistas and New Priorities held at the Institute of Cost Accountants of India and Guru Shree Shantivijai Jain College for Women, Chennai during December 15, 2016.
  19. Presented a research paper titled Causal Nexus between FDI and Economic Growth in SAARC Countries at the Annual International Studies Convention 2013 held at Jawaharlal Nehru University, New Delhi during December 10-12, 2013.
  20. Presented a research paper titled Micro Credit through SHG Bank Linkage in India at the International Conference on Micro Finance: A Tool to Eradicate Poverty held at the Department of Commerce, Pondicherry University, Puducherry during January 23-25, 2008.
  21. Presented a research paper titled The Reporting System of FDI – An International Approach with Special Reference to India at the International Conference on Global Business and Policy Modelling (GBPM2006) held at Akaikalamatha Institute of Management, Thanjavur during September 21-22, 2006.

 

Conference/ Workshops/Seminars Organised
University Level
  1. Coordinator for the Faculty Development Programme on Tally for GST organized by the Thiagarajar College, Madurai on March 25, 2017.
  1. Organized Entrepreneurship Awareness Camp in collaboration with Centre for Entrepreneurship Development at Thiagarajar College, Madurai during October 19-21, 2016.
  1. Organized State Level Intercollegiate Students’ Seminar on Problems and Challenges in Disinvestment of Public Sector Enterprises under UGC Autonomy Grant held at Thiagarajar College, Madurai on September 19, 2014.
National Level
  1. One of the Programme Directors of the National Workshop on Time Series and Panel Data Analysis held at the Department of Commerce, Central University of Tamil Nadu during January 22-26, 2024.
  2. Faculty Coordinator in Two Day Virtual National Conference on Transformation of Technology in Higher Education jointly organized by the Central University of Tamil Nadu, Central University of Jharkhand & SRM Institute of Science and Technology during April 27-28, 2021.
  3. Organized two day National Workshop on Research Writing and Publication in Business Studies at the Department of Commerce, Central University of Tamil Nadu during February 08-09, 2019.
International Level

 

Invited Talks/ Resource Person
1. Resource Person for the Debate on Union Budget 2023 conducted by the Department of Commerce, Rabiammal Ahamed Maideen College for Women, Tiruvarur on 15th February 2023.
2. Handled a session on Current Status of Research on Financial Literacy in India in the Refresher Course in Commerce organized by the UGC –Human Resource Development Centre, Madurai Kamaraj University on 10th November2021.
3. Resource Person for the National Webinar on Financial Literacy organized by the MES College Erumely, Kerala on 30th October2021.
4. Resource Person for the National Webinar on Investors Awareness & Career Opportunities in Financial Market Admist Pandemic organized by the pranabananda Women’s College, Dimapur, Nagaland on 7th August 2021.
5. Delivered a special lecture on Indian Banking Industry – The Changes and Challenges at Idhaya College for Women, Kumbakonam on 23rd April 2021.
6. Delivered a guest lecture on Financial Literacy at North East Society of Ramanujan College, University of Delhi on 23rd October 2020.
7. Delivered a special lecture on Financial Literacy and Its Importance during the Covid-19 Pandemic at Tagore College of Arts and Science, Chennai on 5th August 2020.
8. Resource Person for the National Webinar on COVID 19 and Indian Banking Industry organized by the Department of Commerce, AVC College, Mayiladuthurai on 17th July 2020.
9. Resource Person for the National Webinar on Indian Economy and Business –Post COVID 19 Scenario organized by Dr.S.Gopalaraju First Grade College, Bangalore on 8th June 2020.
10. Resource Person for the National Webinar on Consolidation of Banks in India organized by the Rabiammal Ahamed Maideen College for Women, Thiruvarur on 26th May 2020.
11. Resource Person for the National Webinar on Financial Literacy and Inclusive Growth in India organized by Sri Ramakrishna College for Women, Coimbatore on 14th May 2020.
12. Delivered an Expert Lecture on Developing Research Perspective in the Area of Financial Literacy at the Department of Financial Administration, Central University of Punjab on 27thApril 2020.
13. Delivered an Expert Lecture on Framing of Research Design at the Department of Financial Administration, Central University of Punjab on 27th April 2020.
14. Delivered Valedictory Address at the National Conference on India and China in the Global Economy organized by the Navarasam Arts and Science College for Women, Erode, Tamilnadu on 14th February 2020.
15. Resource Person for the National Conference on India and China in the Global Economy organized by the Navarasam Arts and Science College for Women, Erode, Tamilnadu on 14th February 2020.
16. Delivered Guest Lecture on the topic Internship Training and Skill Development at the Department of Commerce, AVC College, Mayiladuthurai on 9th January 2020.
17. Delivered Special Lecture on Innovation and Digital Business at Sir Issac Newton College, Nagappattinam on 13th March 2018.
18. Delivered a Special Lecture on the topic Internship Training and Skill Development at the Department of Commerce, ADM College for Women, Nagappattinam on 12th August 2019.
19. Resource Person for the Orientation Programme for the Freshers –Genesis 2019 organized by the Central University of Tamil Nadu on 23rd July 2018.
20. Resource Person for the ICSSR Sponsored Research Methodology Course conducted by the Department of Commerce, Central University of Tamil Nadu during December 13-22, 2018.
21. Resource Person for the Orientation Programme for the Freshers – Genesis 2018 conducted by the Central University of Tamil Nadu on 23rd July 2018.
22. Delivered a Special Lecture on the topic Ease of Doing Business in India at Kalasalingam Academy of Research and Education, Krishnankoil on 9th February 2018.
23. Resource Person for the Seminar on Ease of Doing Business and Foreign Direct Investment organized by the Department of Commerce, A.D.M College for Women, Nagapattinam on 6th February 2018.
24. Delivered Key Note Address in the Panel Discussion on GST conducted by the Department of Economics, Thiagarajar College, Madurai on 19th July 2017.
25. Acted as the Panel Member for the Debate on Impact of Demonetization on Indian Economy: Pros and Cons organized by the NSS Units of Thiagarajar College, Madurai on 3rd January 2017.
26. Delivered Key Note Address on the topic CSR in India at the Department of Commerce, The Standard Fireworks Rajaratnam College for Women, Sivakasi on 1st August 2015.
27. Delivered a Special Lecture on Entrepreneurship Management at NSS Unit, Thiagarajar College, Madurai on 25th December 2012.
28. Delivered Special Lectures on different topics in NET coaching classes conducted by the SBK College, Aruppukkottai, Tamilnadu.
Patent Filed/ Published
PATENT FILED
 
 
PATENT PUBLISHED
Curricular Development
Designed and developed the curriculum for M.Com (Finance), B.Com (Professional Accounting), and Certificate Course in Financial Literacy.