MEGHNAD SAHA INSTITUTE OF TECHNOLOGY

Finance, Digital Rupee, Digital Banking, CBDC, Innovation, Pivot, Entrepreneurship

Graduated MBA with highest grade in the batch Ranked 1 in the NPTEL course on Innovation, Business Models and Entrepreneurship, IIT Roorkee Ranked 1 in the NPTEL course on Entrepreneurship Essentials, IIT Kharagpur Ranked 2 in the NPTEL course on Enhancing Soft Skills and Personality, IIT Kanpur Ranked 2 in Joint Entrance Management Aptitude Test (JEMAT) Awarded NSE Certified Market Professional (NCMP)

Ray, N., Patra, N., Sharma, S., Ghosh, D., Bose, I. and Kler, R. (2025), \\\\\\\"Empowering Women: Challenges, Progress\\\\\\\", Ghosal, I., Gupta, S., Rana, S. and Saha, D. (Ed.) Indigenous Empowerment through Human-Machine Interactions, Emerald Publishing Limited, Leeds, pp. 19-33. https://doi.org/10.1108/978-1-83608-068-820251002 Ghosh, D., Banerjee, A., Ray, N. (2025). Resilient pivot strategy to continue business under pandemic and beyond. In Leveraging Human Capital in Entrepreneurial Strategies (pp. 217–240). IGI Global. doi:10.4018/979-8-3693-6006-4.ch008 Ray, N., Ghosh, D., Majumder, T. (2025). Sustainable business development models of rural handicraft: A study on pattachitra. In Contemporary Business Practices and Sustainable Strategic Growth (pp. 201–215). Bentham Science. doi:10.2174/9789815322071125010014 Ghosh, D., Banerjee, A. (2024). Embracing Digital Transformation: Business Strategies of MSMEs in India’s Payment and Settlement Systems. Business Strategies in India: Emerging Issues and Prospects, Chapter 5, pp. 95-112 Banerjee, A., Ghosh, D., Ray, N., Majumder, T., Roy, M., & Roy, N. C. (2024, March 22). Pivot in early stage startups: Key factors and it’s impact. 2024 International Conference on Trends in Quantum Computing and Emerging Business Technologies, 63, 1–9. Presented at the 2024 International Conference on Trends in Quantum Computing and Emerging Business Technologies (TQCEBT), Pune, India. doi:10.1109/tqcebt59414.2024.10545100 Ghosh, D., Ray, N. (2017). Evaluation of customer satisfaction by service dominant logic for banking sector: an indicative study based on HDFC bank. The IUP Journal of Management Research, Vol. XVI, No. 4, October 2017, pp. 34-47, Available at SSRN: https://ssrn.com/abstract=3218282 Ray, N., Ghosh, D. (2017). Online banking service: A boon or bane? Asian Journal of Research in Banking and Finance, 7(5), 179. doi:10.5958/2249-7323.2017.00039.6 Ghosh, D. (2017). Employability enhancement and the role of soft skills training. In Business Infrastructure for Sustainability in Developing Economies (pp. 264–271). IGI Global. doi:10.4018/978-1-5225-2041-2.ch014 Ray, N., Ghosh, D. (2014): “Internet Service Quality (I-SQ) Dimensions and their Impact on Consumer Satisfaction: Case from Banking Industry, Asian Journal of Research In Banking and Finance,4(8), 212-221 Ghosh, D. (2011, June). Management of non-performing assets in public sector banks: Evidence from India. In International Conference on Management (ICM 2011) Proceeding (No. 2011-057-173). Conference Master Resources. Banerjee, A., Ghosh, D. (2024). Influencer Marketing in India: A Study on the Current Trends, Strategies, and Future Scope. Business Strategies in India: Emerging Issues and Prospects, Chapter 3, pp. 51-79 PATENTS & COPYRIGHTS “Direct Selling Business Model Innovation in Women Entrepreneurship”. Registration No. L-152325/2024, Dated: 07/08/2024, Diary No. 20433/2024-CO/L, Date of Application: 23/06/2024 Office of the Registrar of Copyrights, India. “Rural Handicraft Business Models\\\\\\\" Registration No. L-152709/2024, Dated: 21/08/2024, Diary No. 19774/2024-CO/L, Date of Application: 16/06/2024 Office of the Registrar of Copyrights, India. “The Digital Dilemma: Is Online Banking a Boon or Bane?” Registration No. L-161788/2025, Dated: 28/02/2025, Diary No. 75667/2024-CO/L, Date of Application: 15/11/2024 Office of the Registrar of Copyrights, India.