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Dr. Bilal Pandow

Assistant Professor

All Academic Staff Profiles

Academic Qualifications Obtained

2020PhD. Finance, University of Kashmir, India
2015M.Phil. Finance, University of Kashmir, India
2007Master’s in Finance and Control, University of Kashmir, India
2005PG Diploma in Mass Communication, Indira Gandhi National Open University, India
2004PG Diploma in Cost Accounting, University of Kashmir, India

Professional Certifications

2024Associate Fellow, Advance Higher Education, UK
2024AI in Finance, The World Bank
2011Economic Thinking for Planners and Developers, PLANETIZEN, California
2009Certified Trainer: Microfinance, Asian Development Bank Institute & World Bank
2004Conflict Resolution Programme, Henry Martyn Institute: International Center for Research, India
2003PG Diploma in Computer Applications, DOEACC, India

Teaching Expertise

2022 – 2023Director Curriculum Development, Kids Campus Education, India
2020-2022 Faculty, University of Kashmir, India
2018-2020Research Fellow, Business School, University of Kashmir, India
2016-2018Senior Lecturer, Middle East College, Oman
2010-2016Lecturer/Placement Officer, Department of Business & Financial Studies, University of Kashmir, India

Relevant Industry Expertise

2009-2010Deputy Director, Infinity Access Technologies Pvt Ltd, India
2008-2009Assistant Manager, HDFC Bank ltd, India
2007Summer Trainee, Reserve Bank of India, India
2006 Researcher, Centre for Science and Environment, India
2004-2005Financial Researcher, iLocus, India

Research

Areas of Research Interest

Corporate Finance, Capital Market, Circular Economy, Event Studies, Fintech, Climate Finance
The Geography of News Project

Applied ICT and Organizational Development Project

Bilal’s regional research interests are centered on South Asia and the Middle East, where he explores financial dynamics and sustainability efforts within these economically and geopolitically significant regions.

Publications

BOOKS:

  1. Sep 2024: Navigating the Future of Finance in the Age of AI, IGI Global, edited volume, DOI: 10.4018/979-8-3693-4382-1, ISBN13: 9798369343821|ISBN13 Softcover: 9798369343869, https://www.igi-global.com/book/navigating-future-finance-age/339188
  2. Jul 2024: MoneyVilla: Learn to be Money Smart (Children story book to learn finance concepts); Publisher: Vitasta Publishing Private Limited, New Delhi; Language: English; ISBN-10: 8119670248; ISBN-13: 978-8119670246; https://amzn.in/d/0c0fhGou
  3. Jan 2023: A to Z of FINANCE for CHILDREN; Publisher: Wular Publications Language: English; ISBN-10: 9390666430; ISBN-13: 978-9390666430; https://amzn.eu/d/0LyXhlB
  4. Apr 2017: Public Debt Management; Paperback: 120 pages; Publisher: LAP LAMBERT Academic Publishing, Germany; Language: English; ISBN-10: 3330067047; ISBN-13: 978-3330067042; https://www.amazon.com/Public-Debt-Management-Bilal-Pandow/dp/3330067047
  5. July 2025: Applying Blockchain Technology: Concepts and Trends; CRC Press (Indexed in Scopus) edited volume (forthcoming)

 

RESEARCH PAPERS:

  1. Impact of COVID-19 on Banking and the Imperative for FinTech and Digital Transformation: A Case Study; (co-authored); Pacific Business Review International; [2024] [WoS indexed]
  2. The Effect of Stock Splits on Liquidity: Evidence from China; (co-authored); Business Perspectives and Research; DOI: https://doi.org/10.1177/22785337221148823 [2023] [ABDC and SCOPUS indexed]
  3. Impact of drop in crude oil prices on Oman’s stock market: An analysis of volatility; (co-authored); Journal of Emerging Markets; 22 (1-2), 8-25 [2022]
  4. Internet of Things: Financial Perspective and its associated security concerns; (co-authored); International Journal of Electronic Finance, 10 (3), 145-158; DOI: https://doi.org/10.1504/IJEF.2021.115644 [2021] [SCOPUS indexed]
  5. Economic benefits of implementing cloud in higher education institutions: a reflection; (co-authored); International Journal of Technology Transfer and Commercialisation, 18(4), 391-398; DOI: 10.1504/IJTTC.2021.120201 [2021]
  6. Stock Splits: A Review, Reconceptualization and Extension; (co-authored); Pacific Business Review International, 13(9), 68-76 [2021]
  7. Influence of fiscal policy on GDP: an empirical study of GCC countries; (co-authored); Investment Management and Financial Innovations 17 (3), 319-331; DOI: 10.21511/imfi.17(3).2020.24 [2020] [SCOPUS indexed]
  8. Evaluation of a Flipped Classroom Model: A Case Study from Oman; (co-authored); FIIB Business Review; 9(1), 15–22; DOI: 10.1177/2319714520909006 journals.sagepub.com/home/fib [2020] [SCOPUS indexed]
  9. Employability through networking: a way forward; (co-authored); International Journal of Technology Transfer and Commercialisation, 17(1), 56–67; DOI: 10.1504/IJTTC.2020.106572 [2020]
  10. Impact of Share Splits on Stock Returns: Evidences from India; (co-authored); Vision; 23(4),432–441; DOI: 10.1177/0972262919868130journals.sagepub.com/home/vis [2019] [SCOPUS indexed]
  11. An Event Study Analysis of Stock Splits in Indian Stock Market: Sectoral Response; (co-authored); Pacific Business Review International 11(2), 88-93 [2018]
  12. Gender, entrepreneurship and socioeconomic reparation in Jammu & Kashmir; (co-authored); The USV Annals of Economics and Public Administration 17(2), 171-180 [2018]
  13. Persistent Performance of Fund Managers: An analysis of selection and timing skills; International Journal of Commerce and Finance 3(2), 11-24 [2017]
  14. Growth and performance of Indian mutual funds industry; Journal of Economic & Financial Studies 5(2), 26-38 [2017]
  15. Risk and Return Analysis of Mutual Fund Industry in India; (co-authored); International Research Dynamics of Economics 1(1), 8-19 [2017]
  16. Performance of Mutual Funds in India; International Journal of Research in IT, Management and Engineering 7(1), 14-23 [2017]
  17. Selectivity skills of mutual fund managers in India: an analysis; International Journal of Commerce and Finance 2(2), 41 [2016]
  18. Market Timing Ability of Fund Managers in India: An Analysis; Journal of Accounting, Finance and Auditing Studies 2(4), 172-194 [2016]

An analysis into the stock selectivity skill of Indian Fund Managers; (co-authored); Business Review 17(2) [2013]

BOOK CHAPTERS:

  1. IoT-Enabled Financial Inclusion: Challenges, Opportunities, and Policy Implications; Internet of Things Applications and Technology; ISBN: 9781003458401; Publisher: Taylor & Francis Group; DOI: 10.1201/9781003458401 [Sep 2024]
  2. Revolutionizing Finance: The Impact of AI-Driven Innovations; Navigating the Future of Finance in the Age of AI; ISBN13: 9798369343821; Publisher: IGI Global; DOI: 10.4018/979-8-3693-4382-1.ch001 [Sep 2024]
  3. Understanding Financial Impact of Machine and Deep Learning in Healthcare: An Analysis Applications of Machine Learning and Deep Learning on Biological Data; (co-authored); ISBN: 978-1-032-35826-0; Publisher: CRC Press [Feb 2023]
  4. Development and Diversification: A case study of Sultanate of Oman; Oman in the 21st Century Issues and Challenges; (co-authored); ISBN: 9781536157543; Publisher: Nova Science Publisher Inc. New York [Sep 2019]
  5. Evaluating Inclination of Youth to Start Enterprise: A Study in Oman; Creative Business and Social Innovations for a Sustainable Future; (co-authored); ISBN: 978-3-030-01661-6; Publisher: Springer Nature [Jan 2019]
  6. International Practices and Situating Public Debt Management in Oman; Financial sector in Oman: Developments, Issues and Prospect; ISBN: 978-99969-824-0-8 A; Publisher: College of Banking and Financial Studies, Sultanate of Oman [Oct 2017]
  7. Developing an Interest-Free Financial System in India: Need for Evolving a Qualified Workforce; Interest Free Banking; (co-authored); ISBN-13: 978-3330067042; Publisher: University of Kashmir [Jun 2016]
  8. Role of Micro Finance in Conflict Zones: A case study of Kashmir; Embodiment of Empowerment Self Help Group; (co-authored); ISBN: 978-81-8209-277-8-1(1) Publisher: University of Pondicherry [Dec 2010]

Boards, Advisory committees, Professional organizations

  1. Associate Fellow, Advance Higher Education, UK, 2024
  2. Sectary, Chess and Board Games at the Polytechnic, 2024
  3. Member, Working Group for Collaborations in Research and Publications, 2024
  4. Member, Working Group for Renewing and Pursuing Accreditation Standards, 2024
  5. Member, Working Group for Establishment of MSc. in Sustainable Finance and Accounting, 2024
  6. Member, working group led by DARE for the development of postgraduate programmes by research, 2023
  7. Financial Management Association International, United States, 2017
  8. UN Solution Exchange, Microfinance (UNDP), 2008
  9. Registered Engineers for Disaster Relief (RedR), India, 2005
  10. Fellows, East-West Center, Honolulu, Hawaii, 2022
  11. Fellows, Joke Waller Hunter Amsterdam, The Netherlands, 2012
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