About
Atika Kemal is Lecturer in Management and Marketing at Essex Business School, University of Essex. Her research examines digital innovation in development contexts, particularly digital payment systems for financial inclusion.
Key research themes:
- Data justice in social protection systems
- Mobile banking adoption in Global South
- Digital identity platforms
- e-Governance transformation
- ICT-enabled entrepreneurship
Current projects investigate algorithmic exclusion in Pakistan's social cash programs during climate emergencies.
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