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GPA / 4.00
I'm a fun, bubbly person who runs on creativity — happiest cooking something new, planning the next trip with my friends, or just spending time with my family.
My dad is my role model, and I'm chasing something big: to make or break it, to be a respected name people remember. For me the sky isn't the ceiling — it's the starting line.
A multi-method, multilingual study of whether the digital-payment boom actually reaches the vendor at the bottom — and what it does to their income. Built vendor-level, market by market, across three cities and two countries that aggregate statistics would treat as one.
The anchor study: UPI & PM SVANidhi among street vendors. Complete — paper in writing.
Microfinance & UPI across food, textiles, services & dry-goods vendors, with a financial self-efficacy scale.
The cross-border extension: JazzCash / EasyPaisa adoption & the Kamyab Jawan loan scheme — the first vendor-level comparison across the border.
UPI-adopting Kolkata vendors earn ~22% higher daily revenue than comparable non-adopters — and the gap tracks psychological readiness, not infrastructure or income.
Trust is fragile: a single fraud or failed transaction can close the door permanently — a hard challenge for grievance-redressal policy.
Only 23% awareness of PM SVANidhi — and for women, the binding constraint on adoption wasn't literacy. It was who physically held the phone.
The cross-border aim: build the first vendor-level, multilingual dataset on digital-payment adoption and financial inclusion across South Asia's informal economies.
Researching emerging tech in the AI & Future of Work track through systems thinking.
NLP, vector search & RAG turning customer intent into live sales scripts; modeled the lift on conversion and engagement.
Relocation of U.S. lead smelters to Mexico and the public-health fallout, turned into publication-track summaries.
Excel models on funds, equities & strategy; portfolio-evaluation frameworks in wealth-management discussions.
Cooked and served meals; tutored underprivileged children, adapting materials to help them actually understand.
Fed and sheltered strays; drove adoptions through targeted social-media outreach.
Organized festive meals and celebrations; distributed stationery and gifts to support students' education.
Led reviews and office hours for a 150+ student course; made a huge class feel personal.
Hello — I'm Varima! Whether it's about a role, my research, or just to connect, reach out anytime. The fastest way is email, but LinkedIn and phone work great too.