Research

WORKING PAPERS

1. Bhardwaj, D., Gokpinar, B., and Chhatre, A. (2024). 'New Technology Adoption and Peer Effects among Service Workers: Evidence from Aadhaar Enabled Payment System'. 

Major Revision at Management Science

• Finalist,  POMS PITM Best Student Paper Competition, 2025

2. Bhardwaj, D and Gokpinar, B 'Algorithm-driven Decision Making inTele-Triage: Role of Call Handlers' 

3. Bhardwaj, D and Cornelius, P 'Broken Promises : Investigating Delivery Failures in Crowdfunding Campaigns' 

PUBLICATIONS

Chhatre, A., Deuskar, P., Mohib, J., & Bhardwaj, D. (2023). Financial inclusion helps rural households address climate risk. Nature Scientific Reports, 13(1), 7929.

Media coverage: The Hindu , DownToEarth , The New Indian Express 

INFORMS Annual Meeting, Atlanta, Georgia (2025)

Session: Innovation in Services| Monday, October 27 (1:15 PM - 2:30 PM)

Location : Building  B Level 4 (B409)

Paper Title : New Technology Adoption and Peer Effects among Service Workers: Evidence from Aadhaar Enabled Payment System

MSOM Conference, London Business School (2025)

Session: TIE – Tech Adoption & Financial Inclusion in Emerging Markets | Sunday, June 29 (16:00– 17:30) 

Location : LT9 (Ratcliffe First Floor)

Paper Title : New Technology Adoption and Peer Effects among Service Workers: Evidence from Aadhaar Enabled Payment System

POMS Conference, Atlanta (2025)

Session : Consumers and Platforms: Driving Transformations in Marketplaces | 9th May (8 AM - 9.30 PM)

The impact of customer interactions on crowdfunding success

Session : 2025 PITM Student Paper Competition | 9th May (4.30 PM - 6 PM)

Paper Title : New Technology Adoption and Peer Effects among Service Workers: Evidence from Aadhaar Enabled Payment System

Session : Empirical Insights on Quality, Innovation and Networks | 11th May (11.30 AM - 1 PM)

Paper Title : Algorithm-driven Decision Making inTele-Triage: Role of Call Handlers