Leadership and Association Roles

• President, Harmony Association December 2024 till date

• Organized a Guest Talk on Health and Well-being (SDG Goal 3) for B.Com students.

• President, Commerce Association (2017–2021) – Led departmental student activities and academic initiatives.

• Convenor, Commercio 2021 – Coordinated intercollegiate commerce fest and related events.

• Coordinator, ACCA Programme (2017–2019) – Organized guest lectures for ACCA aspirants and initiated alumni interaction series.

• Coordinator, CA Course (2014–2016).

• President, CLC Association (2014–2016).

• President, Red Cross Association (2012–2013) – Organized a Fire and Safety Demonstration Session in collaboration with the District Red Cross Society.

Academic and Administrative Responsibilities

• Board of Examiners (BOE) Member, University Level.

• BOE Member, Yenepoya (Deemed to be University) (2017–2019).

• Committee Member, International Conference organized by the School of Commerce, Finance and Accountancy.

• Member, Discipline Committee for college and university-level events including Sports Day, College Day, Convocation, and Fests.

• Member, Time Table Committee.

• Member, Entrepreneurship and Consultancy Cell.

• Member, Placement Cell (Department Level).

• Member, Central Valuation and Tabulation Committee.

Teaching, Mentoring, and Evaluation

• Actively involved in Central Valuation, Internship Viva, Assignment Evaluation, Project Guidance, and Invigilation Duties.

• Guided students for Paper Presentations at the department level.

• Swayam Mentor and Sahaya Mentor – supporting students’ academic and personal growth.

• Class Guide and Student Mentor for undergraduate students.

• Project Guide for B.Com students.

• Organized AACA “Train the Trainer” Sessions for faculty (2017–2019).

• Resource Person for Spoorthi and Pragathi student reflection programmes.

Institutional Involvement

• • Executive Committee Member, SACAA (2020–2021).

  • Treasurer, SAC Staff Association (2014–2015).

  • Counsellor, Master in Entrepreneurship programme, IGNOU.

  • Compered and hosted numerous departmental and institutional programmes.

  • Served on Sports Day, Convocation Registration, and College Day Committees.

Teaching and Professional Experience

• Assistant Professor, St Aloysius (Autonomous) College, Mangalore — 2012 – Present
  Engaged in teaching undergraduate commerce students, mentoring learners, coordinating academic programmes, and contributing to institutional development through various committees and associations.

• Lecturer, St Aloysius Pre-University College, Mangalore — 2010 – 2012
  Taught commerce subjects at the pre-university level and actively participated in academic and co-curricular activities.

• Project Trainee, SCDCC Bank (Head Office), Mangalore — November 2009 – April 2010
  Completed a project on Self Help Groups (SHGs), analyzing their financial performance and role in rural empowerment.

• Intern, SCDCC Bank, Bantwal Branch — April – May 2009
  Underwent practical training on banking operations, customer service, and rural credit systems.

Completed Ph.D : title of the study- Financial Literacy and its impact on Savings and Investments of Rural Huoseholds in Dakshina Kannada District".

Research Areas:

• Finacial Literacy
• Financial Education
• Financial Inclusion
• Savings and Investments, 

• Pais, M. V. (2024). Entrepreneurship and Startups in Sustainable Development: Recent Trends and Challenges in India. Kristu Jayanti Journal of Management Science, 3(2), 109–123. e-ISSN: 2583-6080. (December 2024)

• Pais, M. V. (2024). Exploring the Effectiveness of Digital Financial Literacy Initiatives in Rural Areas in India: A Narrative Study. International Journal of Research and Review (IJRAR). (March 2024)

• Pais, M. V. (2024). Investigating Gender Differences in Financial Literacy Levels and Their Influence on Investment Decisions in Dakshina Kannada. International Journal of Multidisciplinary Education Review. (March 2024)

• Pais, M. V. (2018). Digital Financial Literacy Among Students of St Aloysius College (Autonomous), Mangalore. Al-Shodhana: A Multidisciplinary Refereed Research Journal, St Aloysius College (Autonomous), Mangalore, ISSN 2320-6292. (July 2018)

•  

1. • Member, Board of Studies (B.Com), St Aloysius College (Autonomous), Mangalore — 2017–Present

   • Invitee Member, Executive Committee, St Aloysius College Alumni Association (SACAA) — 2020–2021

   • Member, Board of Studies (B.Com Professional), Yenepoya Deemed to be University, Deralakatte, Mangalore — 2018–2021

• Faculty Development Programmes and Workshops Attended

  • Participated in an Online FDP titled “Publish with Purpose: Strategies for Publishing in Scopus and Web of Science Journals” organized by the IQAC, in association with the Research and Development Cell and the Department of Commerce, on 23rd May 2025.

  • Participated in an FDP on “From Idea to Instrument: Designing Research Tools” organized by the School of Business and Management and the School of Commerce, Finance and Accountancy, St Aloysius Deemed to be University, Mangaluru, on 10th May 2025.

  • Attended a Five-Day FDP on “Empowering Faculty for High Impact Research and Publication” organized by Manel Srinivas Nayak Institute of Management, in collaboration with Manipal School of Commerce and Economics, Manipal, from 5th to 9th May 2025.

  • Participated in an FDP on “Connecting the Dots: A Guide to Conceptual Framework” organized by the School of Business and Management and the School of Commerce, Finance and Accountancy, St Aloysius Deemed to be University, Mangaluru, on 12th April 2025.

  • Successfully completed the NEP 2020 Orientation & Sensitization Programme (MMC-005-2025-JAN-A-03393) organized by the School of Education, Babasaheb Bhimrao Ambedkar University, Lucknow, in collaboration with UGC-MMTTC, Assam University, Silchar, from 18th to 27th March 2025.

  • Participated in a One-Day Online International Workshop on “Research Methodology for Humanities and Social Sciences” organized by Government First Grade College, Siddakatte, Bantwal Taluk, on 21st March 2025.

  • Participated in a Workshop on “Tools and Techniques for Scientific Research” organized by the School of Business and Management and the School of Commerce, Finance and Accountancy, in collaboration with the Research and Development Cell, St Aloysius Deemed to be University, Mangaluru, on 22nd February 2025.

  • Attended a Three-Day National Level Virtual FDP on “Unlocking Insights: Advanced Research Methodology and Data Analysis” organized by the Consortium of Higher Educational Institutions for Research & Development (CHIRD) from 27th to 29th January 2025.

  • Completed a Two-Week FDP on “Advanced Concepts for Developing MOOCs” conducted by the Teaching Learning Centre, Ramanujan College, University of Delhi, from 2nd to 17th July 2020.

  • Completed a Four-Week Induction/Orientation Programme for Faculty in Universities/Colleges/Institutes of Higher Education conducted by the Teaching Learning Centre, Ramanujan College, University of Delhi, from 4th June to 1st July 2020.

  • Completed a Two-Week FDP on “Managing Online Classes and Co-Creating MOOCs: 2.0” conducted by the Teaching Learning Centre, Ramanujan College, University of Delhi, from 18th May to 3rd June 2020.

  • Participated in a Seven-Day International Online Workshop on Research Methodology organized by Wilson College and KES’ Shroff College of Arts and Commerce, in association with the University of Mumbai, from 19th to 25th May 2020.

  • Attended a Two-Day FDP on “Strategic Business Reporting” conducted by ISDC at St Aloysius College (Autonomous), Mangalore on 4th and 5th October 2019.

  • Participated in a One-Day Workshop on Research Methodology held at University College, Mangalore, on 28th July 2019.

  • Attended Two “Train the Trainer” Workshops on ACCA Paper conducted by ISDC at St Aloysius College (Autonomous), Mangalore, on 2nd–3rd April 2018 and 7th–8th May 2018.

  • Participated in a One-Day Workshop on “Data Analysis and Interpretation using SPSS” held at Mangalore University, Mangalagangotri, on 10th April 2018.

  • Participated in a Two-Day Workshop on “Personal Investment Management” organized by St Aloysius Evening College, Mangalore, on 10th and 11th March 2018.

  • Attended an FDP on “Publishing a Quality Research Paper” held at St Aloysius College (Autonomous), Mangalore, on 17th January 2018.

  • Participated in a Workshop on SPSS held at St Aloysius College, Mangalore, on 2nd and 3rd October 2013.

  • Attended an FDP on Research Methodology held at AIMIT, Beeri, Mangalore, from 29th to 31st August 2013

Research Paper Presentations at International/National Level

• Presented a paper titled “Analyzing the Influence of Demographic and Strategic Factors on Behavioral Intention to Use Green Technologies by Digital Entrepreneurs” at the International Conference on Sustainable Economic Growth through Digital Revolution (SEGDR), organized by the Department of Commerce, Kristu Jayanti (Deemed to be University), Bengaluru, on 25–26 September 2025.

• Presented a paper titled “Smart City Framework in Karnataka: Analyzing Urban Innovation and Infrastructure Development with Reference to Mangalore and Bangalore” at the International Conference on Industry and Innovations: Building Resilient Leadership for Inclusive & Sustainable Development, organized by the School of Commerce, Finance and Accountancy, in collaboration with ISDC, St Aloysius Deemed to be University, on 12 February 2025.

• Presented a paper titled “Level of Financial Literacy Among Salaried Women in the Digital Era: With Reference to Dakshina Kannada District” at an International Conference held at St Agnes College, Mangalore, on 20 January 2020.

• Presented a paper titled “Financial Literacy Among Micro-Entrepreneurs: A Study With Reference to Dakshina Kannada District” at the International Conference on Emerging Issues and Trends in Intellectual Capital and Innovative Management Practices in Global Economy, held at Govinda Dasa College, Surathkal, Mangalore, on 13–14 January 2020.

• Presented a paper titled “Empowerment of Rural People Through Digitalisation: Issues and Challenges” at the One-Day National Seminar on India in the Web of Digitalisation, held at St Aloysius College (Autonomous), Mangalore, on 16 January 2019.

• Presented a paper titled “Overview of Karnataka’s Export Performance: An Evaluative Study” at a Two-Day National Seminar at Mangalore University, Mangalagangothri, on 30–31 March 2017.

• Presented a paper titled “Forensic Accounting for Good Corporate Governance” at the UGC Sponsored Two-Day National Seminar, held at Sri Mahaveera College, Moodbidri, on 16–17 August 2013.

• Presented a paper titled “Environmental Sustainability in Banking Sector: A Case Study of Major Banks in Mangalore City” at an International Conference organized by Kristu Jayanti College of Management and Technology, Bangalore, on 26–27 April 2013.

• Presented a paper titled “Awareness and Utilisation of Internet Business Services: A Case Study with Reference to Staff of St Aloysius College, Mangalore” at a One-Day National Conference held at Srinivas Institute of Management Studies, Mangalore, on 10 April 2013.

International Seminars/Webinars/Workshops Attended

• Participated in an International Webinar on “Pedagogical Innovations and Application of ICT in Education” organized by the Institute of Professional Excellence and Management, Ghaziabad, on 23 January 2021.

• Attended the 11th International E-Conference on Global Information and Business Strategies, organized by Gitarattan International Business School, Delhi, on 9–10 January 2021.

• Participated in the 3rd International Conference on Recent Advances in Management and Technology (ICRAMT) organized by Invertis University, Bareilly, UP, in association with Livingstone College, Salisbury, NC, USA and Johnson C. Smith University, USA, on 8–9 January 2021.

• Attended the International Workshop on “Zotero: Your Personal Research Assistant” organized by Manuscriptpedia, Kanyakumari, on 16–17 November 2020.

• Participated in the International Webinar on “Leveraging Culture for Organisational Growth”, organized by the Department of Commerce, St Aloysius College (Autonomous), Mangalore, on 9 November 2020.

• Completed the One Week International Research Orientation Programme organized by M.M. Institute of Computer Technology and Business Management, Maharishi Markandeshwar University, Mullana, Haryana, in association with Elsevier India and RAx Labs Inc., USA, from 26–31 October 2020.

• Participated in the four-day International Webinar on “Contemporary Issues in Commerce and Management” organized by the Department of Commerce, St Philomena’s College (Autonomous), Mysore, from 7–10 October 2020.

• Participated in the One-Day International Faculty and Researcher Development Program “How to Become a Successful Researcher”, organized by Synbiogenica Labs, MSME Govt. of India, on 4 October 2020.

• Attended the International Two-Day Online Faculty Development Programme organized by the Department of Business Administration, Rajapalayam Rajus’ College, in association with IQAC, on 13–14 June 2020.

• Participated in the International Webinar and Online FDP on “Usage of ICT Tools for Effective Learning and Evaluation” organized by the Department of Computer Science from 1–5 June 2020.

• Attended the International Multi-Disciplinary Academic Web Conference 2020 organized by Surna College, Bangalore, on 29–30 May 2020.

• Participated in the International Webinar on “Impact of Covid-19 on Return Migration and Foreign Remittance in India with Special Reference to Kerala Economy” organized by the Department of Economics, Little Flower College, Guruvayoor, on 20 May 2020.

• Attended the International Level Webinar on “Recent Development and Future Trends in Banking Sector” organized by IQAC, Bunts Sangha’s Uma Krishna Shetty Institute of Management Studies and Research, on 16 May 2020.

• Participated in the International Webinar titled “An Outlook of Strategic Planning on Investment Avenues” organized by the Department of Commerce and Management, Surana College, Peenya, on 9 May 2020.

National Seminars/Webinars/Workshops Attended

• Participated in the National Level Webinar on “Financial Awareness and Financial Literacy” conducted by National Centre for Financial Education and National Institute of Management on 27 March 2021.

• Attended the National Webinar on “Research Paper Writing and Publication” organized by Trisha College of Commerce and Management, Mangaluru, on 6 February 2021.

• Participated in the National Webinar on “Retire Early, Retire Rich Through Personal Financial Planning” organized by the Department of MBA, Dr Ambedkar Institute of Technology, Bangalore, on 8 January 2021.

• Attended the National Webinar on “Digital Innovations in Banking” organized by the Department of PG Studies and Research in Commerce, St Aloysius College (Autonomous), Mangaluru, on 28 September 2020.

• Participated in the National Webinar on “Open Educational Resources and Effective Search Techniques” organized by the Department of Library, St Aloysius College (Autonomous), Mangaluru, on 6 August 2020.

• Attended the One-Week National Level FDP on “Research Methodology using SPSS and Art of Writing a Research Proposal” organized by St Claret College, Bangalore, from 15–20 June 2020.

• Participated in the National Webinar on “Connecting to the Youth in the New Normal” organized by the Department of Business Administration, St Aloysius College (Autonomous), Mangalore, on 16 June 2020.

• Attended the National Webinar on “Managing Finances & Investments During COVID-19” conducted by St Aloysius College (Autonomous) in association with Finmark Trainers India Pvt Ltd on 13 June 2020.

• Participated in the National Webinar on “Personal Investment Management: Post COVID” organized by the Department of Commerce, St Agnes College (Autonomous), Mangaluru, on 6 June 2020.

• Attended the National Webinar on “Insights into Research” organized by Yenepoya Institute of Arts, Science, Commerce & Management, Mangalore, on 4 June 2020.

• Participated in the National Webinar on “E-Content Development in Commerce and Accountancy” organized by B.K. Birla College (Autonomous), Kalyan, in association with the Department of Commerce, University of Mumbai, on 1 June 2020.

• Participated in the Faculty Development Programme on “Creation of Google Sites and OER” organized by the Department of Business Management on 26 May 2020.

• Attended the National Webinar on “The Impact of COVID-19 on Stock Market” organized by the Department of Commerce, St Mary’s College, Thrissur, on 25 May 2020.

• Participated in the National Webinar on “The New Normal in Education” organized by IQAC, St Albert’s College (Autonomous), on 23 May 2020.

• Attended the National Webinar on “Impact of COVID on Entrepreneurship” organized by CMS, Jain (Deemed-to-be University), on 21 May 2020.

• Attended one-day National Level Conference on “Innovative Practices in Banking, Management, IT, Education and Social Science” held at Srinivas College of Management and Commerce, Mangalore, on 30 November 2019.

• Participated in multiple National Seminars and Conferences from 2012–2017, including UGC sponsored seminars and events at Mangalore University, Besant Women’s College, St Aloysius College, and other regional institutions, presenting papers on topics such as Financial Reporting Standards, Tax Reforms, Public-Private Partnerships, and Infrastructure Development.

State/Regional Level Seminars/Webinars Attended

• Participated in a One-Day Paper Development Workshop organized by Manel Srinivas Nayak Institute of Management on 11 January 2021.

• Attended the webinar on “Startups at the New Normal: A Journey of an Entrepreneur” organized by the Entrepreneurship & Innovation Cell, St Aloysius College (Autonomous), Mangalore, on 17 November 2020.

• Participated in the webinar on “Learning in the Digital Age: Opportunities and Challenges” organized by Govinda Dasa College, Surathkal, on 20 June 2020.

Mangalore University Resesrch Scholar group