Mr. Muhammed Jisham
Assistant Professor, Department of Commerce
Profile
Mr. Muhammed Jisham
Assistant Professor
Muhammed Jisham is an Assistant Professor in the Department of Commerce at Christ Academy Institute for Advanced Studies (CAIAS), Bengaluru. He recently submitted his PhD thesis in Commerce at Bharathidasan University and holds the UGC NET with Junior Research Fellowship (JRF). His research specialisation spans FinTech, digital financial behaviour, and Human-Computer Interaction, with a particular focus on artificial intelligence-driven financial services. He has published several research papers in reputed peer-reviewed journals, including SSCI and Scopus-indexed outlets, and has presented his work at numerous national and international conferences. His research contributes to understanding technology adoption, user experience in financial platforms, and behavioural aspects of digital finance.
His teaching interests include Finance, Financial Management and FinTech applications. He emphasises research-oriented, concept-driven learning supported by contemporary case studies and practical analytical tools. With a strong commitment to academic excellence and student development, he integrates interdisciplinary perspectives into classroom teaching to prepare learners for dynamic financial and technological environments. He is passionate about fostering impactful research, developing industry-aligned curriculum, and contributing actively to the academic community at CAIAS.
Area
Finance
Qualification
PhD (Thesis Submitted), M.Com Financial Management, UGC NET with JRF
Publications
- Jisham, M., Selvaraj, V. and John, A. (2025), “Decoding the factors of artificial intelligence mobile banking continuance usage: the nexus between AI characters and usage experience”, International Journal of Human-Computer Interaction, Vol. 41 No 17, pp. 1–14, doi: 10.1080/10447318.2024.2436605. (SSCI, Scopus-Q1, ABDC-B)
- Jisham, M., Selvaraj, V. and John, A. (2024), “Catalysts of successful WealthTech continuous usage: the role of fit factors, usage experience and digital nudging”, Journal of Science and Technology Policy Management, doi: 10.1108/jstpm-11-2023-0189. (ESCI, Scopus-Q2, ABDC-C)
- Jisham, M., Selvaraj, V. and John, A. (2024), “Navigating Behavioural Barriers to Fintech/ Chatbot adoption: An Extended Innovation Resistance Theory approach”, Colombo Business Journal International Journal of Theory and Practice, Vol. 15 No. 1, pp. 80–104, doi: 10.4038/cbj.v15i1.171. (Peer reviewed, UGC CARE)
- Jisham, M., Selvaraj, V. and John, A. (2024), “Understanding users’ behavioral intention to use artificial intelligence for personal financial management: an innovation diffusion theory approach”, Theoretical and Applied Economics, Vol XXXI (2024) No. 3(640), Autumn, pp. 53-60 (Peer reviewed, ABDC-C)
- Jisham, M., Vanitha, S. and John, A. (2024), “Analysing the Adoption of Wealthtech by Individual Investors for Investment Services”, MDIM Journal of Management Review and Practice, Vol. 2 No. 2, pp. 155–168, doi: 10.1177/241253393. (Peer reviewed)
- John, A., Selvaraj, V. and Jisham, M. (2024), “Catalysts of social change and innovation: Mediating role of social self-efficacy and social support on social entrepreneurial intentions”, African Journal of Science Technology Innovation and Development, Vol. 16 No. 6, pp. 1–14, doi: 10.1080/20421338.2024.2393734. (Scopus-Q3)
- John, A., Selvaraj, V. and Jisham, M. (2024), “Entrepreneurial Intentions of Female Students: Exploring Entrepreneurial Feasibility and Desirability through Personality Traits”, Colombo Business Journal International Journal of Theory and Practice, Vol. 15 No. 2, pp. 54–86, doi: 10.4038/cbj.v15i2.189. (Peer reviewed, UGC CARE)
- John, A., Selvaraj, V. and Jisham, M. (2024), “The fintech frontier: Investigating fintech entrepreneurial intentions in the light of fintech awareness.”, Theoretical and Applied Economics, Vol XXXI (2024) No. 2(639), Summer, pp. 315-324 (Peer reviewed, ABDC-C)
- Bhuvaneswari, C., Selvaraj, V., Jisham, M., and John, A. (2023), “Impact of Availability and Loss Aversion Bias on Investment Decision Making of Individual Investors in Tamil Nadu.”, Finance India, Vol. 37 No. 1, pp. 169 (Scopus-Q4)
Academic Conferences
- Presented a paper on “Analysing the Antecedents of User Adoption of AI Mobile Banking Applications: An Indian Perspective” in the International Seminar on Dynamics of Emerging Business Innovation and Trends – Academic-Industry Role (DEBIT AIR-2024), organized by Department of Commerce and Business Administration – Cauvery College for Women, Trichy, and SMART Journal of Business Management Studies, Tiruchirappalli from 06.01.2024 to 07.01.2024.
- Presented a paper on “Understanding Users Behavioural Intention to Use Artificial Intelligence for Personal Financial Management: An Innovation Diffusion Theory Approach” in the International Conference on Commerce and Management in the Digital Age, organized by School of Commerce, The American College, Madurai, from 05.01.2024 to 06.01.2024.
- Presented a paper on “Catalysts of Successful WealthTech Continuous Usage: The Role of Fit Factors, Usage Experience, and Digital Nudging” in the 2nd Two-Day International Conference on Artificial Intelligence Towards Fostering Sustainable Development in Business, organised by the Centre for Management Studies – Jain University, Bangalore, from 08.12.2023 to 09.12.2023.
- Presented a paper on “Artificial Intelligence in Wealth Management: Understanding the Determinants of Users’ WealthTech Continuance Intention” in the International Finance and Accounting Conference, organised by the Indian Institute of Management, Jammu, from 08.09.2023 to 09.09.2023.
- Presented a paper on “Catalysts of Social Change and Innovation: Mediating Role of Self-Efficacy and Social Support on Social Entrepreneurial Intentions” in the ICSSR-NIHSS-sponsored International Workshop-cum-Conference on Women, Social Innovation and Entrepreneurship: Possible Lessons from India and South Africa, organised by the Department of Commerce, Central University of Punjab, Bathinda, from 27.09.2023 to 28.09.2023.
- Presented a paper on “Analysing the Adoption of WealthTech by Individual Investors for Investment Services” in the ICSSR-sponsored International Conference on Fintech: Digital Transformation of Financial Services (ICF 2023), organised by the Department of Commerce, Bharathiar University, Coimbatore, from 14.09.2023 to 16.09.2023.
- Presented a paper on “Leveraging Technology for Suitable Finance: The Role of WealthTech in India” in the International Conference on Innovative Trends in Business Practices for Sustainable Development, organized by Department of Commerce and Management Studies – Dhanalakshmi Srinivasan College of Arts and Science for Women, Department of Commerce and Financial Studies – Bharathidasan University, and SMART Journal of Business Management Studies, Tiruchirappalli from 02.03.2023 to 03.03.2023.
- Presented a paper on “The Impact of WealthTech Investment Platform on Retail Investment in India” in the XLVI Indian Social Science Congress, jointly organized by Bharathidasan University and Indian Social Science Academy, Allahabad, from 27.01.2023 to 31.01.2023.
- Presented a paper on “Artificial Intelligence for Investment Services: Analysing Investors’ Adoption of WealthTech Platform” in the Eighteenth International Seminar on Dynamics of Emerging Business Innovation and Trends – Academic-Industry Role (DEBIT AIR-2023), organized by Department of Commerce and Financial Studies, Bharathidasan University, SMART Journal of Business Management Studies, Tiruchirappalli from 06.01.2023 to 07.01.2023.
- Presented a paper on “A Study of Influences of FinTech Investment Platforms on Retail Individual Investors in India” in the two-day International Conference on “Contemporary Trends and Challenges in FINTECH Services in VUCA WORLD”, organised by the Department of Corporate Secretaryship, School of Management, Alagappa University, Tamil Nadu, from 05.05.2022 to 06.05.2022.
- Presented a paper on “AI Digital Investment Solutions: The Case of Discount Brokerages in India” in the International Conference on Emerging Business Trends in the Present Pandemic Era, organised by the Department of Commerce and Financial Studies, Bharathidasan University in association with the Institute of Business Excellence, University Teknologi MARA, Malaysia, from 22.04.2022 to 23.04.2022.
- Presented research paper titled “Artificial Intelligence in Education: Opportunities and Challenges for Educators and Learners” in the Two-Day National Conference on Impact of Social Media on Teaching and Learning Process of Higher Education in Tamil Nadu, organised by P.G. and Research Department of Commerce, Government Arts and Science College, Lalgudi, Tamil Nadu, from 21.04.2022 to 22.04.2022.
- Presented a paper on “Artificial Intelligence in Capital Market – A Study of Influences of Digital Investment Platforms on Retail Individual Investors in India” in the Two-Day National Seminar on “Global Ecological Crisis, Covid Pandemic Issues and Rehabilitation Measures through Knowledge Management Approaches for Inclusive Sustainable Development”, organized by P.G. and Research Department of Commerce, St. Joseph’s College (Autonomous), Tiruchirappalli, Tamil Nadu from 14.02.2022 to 15.02.2022.
- Presented a paper on “A Study on Impact of Artificial Intelligence in Indian Capital Market” at the Seventeenth International Seminar on Dynamics of Emerging Business Innovation and Trends – Academic-Industry Role (DEBIT AIR-2022), organised by Department of Commerce and Financial Studies, Bharathidasan University, SMART Journal of Business Management Studies, Tiruchirappalli, from 06.01.2022 to 07.01.2022.
- Presented a paper on “Impact of Availability Bias and Loss Aversion Bias on Investment Decision Making of Individual Investors” at the IIF-International Research Conference Award Submit-2021 (IIF-IRCAS), hosted by the Indian Institute of Finance, from 01.12.2021 to 02.12.2021.
FDPs / Workshops / Seminars
- Participated in Three Days National Workshop on “Structural Equation Modelling using Smart PLS” organised by Research Forum, Department of Commerce and Management Studies, University of Calicut, Kerala from 21-02-2024 to 23-02-2024.
- Participated in Four-Day Workshop on “Effective Research Paper Writing” organised by VIT Business School, Vellore, from 15-02-2023 to 18-02-2023.
- Participated in Three Days National Workshop on “Structural Equation Modelling” organised by Research Forum, Department of Commerce and Management Studies, University of Calicut, Kerala from 25-07-2022 to 27-07-2022.
- Participated in Three Days National Workshop on “Basic Econometrics” organised by Research Forum, Department of Commerce and Management Studies, University of Calicut, Kerala from 30-03-2022 to 01-04-2022.
- Participated in Four Days National Workshop on “Multivariate Data Analysis” organised by Research Department of Commerce and Management Studies, Farook College (Autonomous), Kozhikode from 17-01-2022 to 20-01-2022.
- Participated in ICSSR-sponsored “Ten Days Online Research Methodology Course” organised by the Department of Commerce, Central University of Tamil Nadu, Thiruvarur from 20-12-2021 to 30-12-2021.
- Participated in the Online Elementary FDP on “Basic Applied Financial Econometrics and Business Analytics”, conducted by AICTE Training and Learning Academy held at the University of Kerala from 02-08-2021 to 06-08-2021.
- Participated in the One Week Faculty Development Programme on “Data Analysis and Deep Learning using SPSS, Amos, and Python” organized by Amity Business School, Amity University, Patna from 19-07-2021 to 23-07-2021.
Academic Achievements
- Best Paper and Presenter Award
For the paper “Analysing the Adoption of WealthTech by Individual Investors for Investment Services” presented in the ICSSR Sponsored International Conference on Fintech: Digital Transformation of Financial Services (ICF 2023), organised by Department of Commerce, Bharathiar University, Coimbatore, from 14.09.2023 to 16.09.2023.
