Dr Atika Kemal
Dr. Atika Kemal is a Lecturer in Management and Marketing at Essex Business School (EBS), UK. Prior to joining EBS, she was an Associate Lecturer at Anglia Ruskin University from where she gained her PhD in 2016. She holds a MSc in Management and Information Systems from the London School of Economics and Political Science, and BSc in Economics from the University of London. She is a Fellow of the Higher Education Academy (FHEA), UK. As an interdisciplinary research scholar, Atika’s research embraces the study of digital technology innovation across the intersecting domains of organisations and management, development economics and international business, with specific interest in emerging economies. Atika has expertise on digital payment innovation, especially mobile banking for financial and social inclusion in developing economies. Her research focusses on the socio-organisational, economic and political aspects of the ICT artefact; delineating into areas of institutional change, e-governance and the inclusive development of marginalised communities. Atika’s current research revolves around the emerging issues of data governance for social and economic inclusion. In particular, using critical perspectives to explore the socio-political and ethical implications of digital identities arising from the datafication of citizens for development initiatives. She is also interested in other research areas, relating to digital and data economies, mobile finance for entrepreneurship, and mobile health applications for social inclusion, especially in the global South. Her research has been instrumental to influence public policy and practice in the largest government social cash programme in Pakistan. Atika’s research has been published in international ranking peer-reviewed journals, including Information Technology for Development and Association of Information Systems electronic Library (AISeL). She is a reviewer for highly acclaimed international journals: Information Systems Journal, Information, Technology and People, Information Technology for Development Journal, and Gender, Technology and Development Journal, besides serving on the Editorial Board of several journals in Pakistan. She has presented her scholarly work at highly acclaimed national and international conferences; including European Conference of Information Systems (ECIS), UK Academy of Information Systems (UKAIS) and Development Studies Association (DSA). In addition, her work has received attention from the international media, including BBC World International, BBC Urdu and the New Humanitarian.
PhD - Digital Innovation & Management Anglia Ruskin University,
MSc - Management & Information Systems London School of Economics and Political Science,
BSc - Economics University of London,
Research and professional activities
Digital Innovation and Management; Mobile Banking for Financial Inclusion; ICTs and Socio-Organisational Change; Digital Technologies and Socio-economic Development; Digital Economies, Digital Payment Innovation in Social Cash Programmes; Digital Identities for Inclusion; Data Governance; e-Government; e-Health
Conferences and presentations
Digital Identity Platforms in Reconfiguration of State-Citizen Relationships in Social Cash Programmes
Development Studies Association Conference, In DSA: Researching the Post-Pandemic City Through Digital Ethnography, London, United Kingdom, 6/7/2022
Data Injustice and the Digital Welfare State – Visibility for Whom During the COVID-19 Pandemic?
Data Justice Conference 2021, Civic Partcipation in the Datafied Society, Cardiff, United Kingdom, 20/5/2021
Has the digital welfare state led to greater exclusion of poor citizens in accessing social cash during the COVID-19 pandemic? Insights from Pakistan through the social justice lens
TILTing Perspectives Conference 2021, Regulating In Times of Crisis, Tilburg, Netherlands, 19/5/2021
Who are the Real Leaders in the Data Driven Digital Welfare State?
Development Studies Association (DSA) Conference 2020: New Leadership for Global Challenges, 19/6/2020
Dataveillance and Technology Usage during the Covid-19 Crisis: The Case from Pakistan
Essex Business School Seminar, Colchester, United Kingdom, 22/4/2020
The Platform Economy: Is Digital Innovation Really Disruptive to Transform Business Models?
Invited presentation, Invited Speaker, London, United Kingdom, 27/6/2019
Is data justice really 'just'? Reconceptualising datafication for socio-economic development
Invited presentation, Opening Up Development- Development Studies Association Conference (DSA), Milton Keynes, United Kingdom, 20/6/2019
ICTs and Entrepreneurial Development: A Critical Review Through the Livelihoods Lens
UK Academy for Information Systems (UKAIS) International Conference, St. Catherines College, Oxford, United Kingdom, 9/4/2019
Building on Financial Inclusion Success from G2P Partnerships
DSA Business and Development Study Group, Bath, United Kingdom, 12/12/2018
Datafication and Political Power
Global Inequalities - Development Studies Association (DSA) Conference, Manchester, United Kingdom, 28/6/2018
The Impact of Digital Welfare Payments on Institutional Practices in the Public Sector
Invited presentation, Keynote presentation, Plenary Speaker at: 2nd International Conference on Buisness and Management Perspectives in the South Asian Context, Lahore, Pakistan, 21/10/2017
Political Power and Digital Payments in a Government Social Cash Programme
Power in Development. Development Studies Association (DSA) Conference:, Oxford, United Kingdom, 13/9/2016
Mobile Banking Adoption and Diffusion: Enabling and Constraining Social or Financial Inclusion among Poor Women in Pakistan
European Conference of Information Systems (ECIS), ECIS 2015 Completed Research Papers. Paper 96. ISBN 978-3-00-050284-2, Munster, Germany, 17/6/2015
A Methodological Perspective on Mobile Banking for G2P Payments in Pakistan
Sharing of Research Methods Across a Variety of Countries and Cultures International Conference on Research Methods, ISEOR, Lyon, France, 11/6/2015
Mobile Banking as Enabling and Constraining Financial Inclusion in Pakistan - A Theoretical Perspective.
Knowledge Practices in the Contemporary World, London, United Kingdom, 26/9/2014
Mobile Banking: A Revolution or Storm?
International Conference on Sustainable Human Development (ISHUD), Uxbridge, United Kingdom, 3/7/2013
Teaching and supervision
Current teaching responsibilities
Research Methods in Management and Marketing (BE425)
Independent Research Project: Management/Marketing (BE939)
Research Methods in Marketing (BE965)
Research Methods in Management (BE969)
Dissertation in Management (BE988)
Journal articles (6)
Kemal, A. and Shah, MH., Digital Innovation in Social Cash Organizations – the Effects of the Institutional Interactions for Transforming Organizational Practices. Under Review in 3* ABS Journal
Shah, SS., Memon, FA., Qureshi, F., Soomro, AB., Kemal, AA. and Shah, AA., (2022). Mental well-being during COVID-19 pandemic: the role of fear, social isolation and psychological resilience. Cogent Psychology. 9 (1)
Shah, SS., Shah, AA., Memon, F., Kemal, AA. and Soomro, A., (2021). Online learning during the COVID-19 pandemic: Applying the self-determination theory in the ‘new normal'. Revista de Psicodidáctica (English ed.). 26 (2), 168-177
Shah, SS., Shah, AA., Memon, F., Kemal, AA. and Soomro, A., (2021). Aprendizaje en línea durante la pandemia de COVID-19: aplicación de la teoría de la autodeterminación en la ‘nueva normalidad’. Revista de Psicodidáctica. 26 (2), 169-178
Biswas, M., Tania, MH., Kaiser, MS., Kabir, R., Mahmud, M. and Kemal, A., (2021). ACCU³RATE: A mobile health application rating scale based on user reviews. PLoS One. 16 (12), e0258050-e0258050
Kemal, AA., (2019). Mobile banking in the government-to-person payment sector for financial inclusion in Pakistan. Information Technology for Development. 25 (3), 475-502
Kemal, A. and Yan, L., Mobile Banking Adoption and Diffusion: Enabling and Constraining Social or Financial Inclusion among Poor Women in Pakistan?
Kemal, A., (2019). ICTs and Entrepreneurial Development: A Critical Review Through the Livelihood Lens
Kemal, AA., (2018). Mobile technologies and entrepreneurial development – Identifying the missing link
Kemal, AA. and Yan, L., (2015). Mobile banking adoption and diffusion: Enabling and constraining social or financial inclusion among poor women in Pakistan?